CZNC vs. CZBS
Compare and contrast key facts about Citizens & Northern Corporation (CZNC) and Citizens Bancshares Corp (CZBS).
Performance
CZNC vs. CZBS - Performance Comparison
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CZNC vs. CZBS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 12.34% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
CZBS Citizens Bancshares Corp | 8.27% | -10.41% | 33.89% | 44.75% | 181.60% | 4.74% | -7.74% | 14.01% | -23.18% | 54.64% |
Fundamentals
CZNC:
$154.97M
CZBS:
$13.07M
CZNC:
$101.53M
CZBS:
$4.20M
CZNC:
$30.32M
CZBS:
-$7.36M
Returns By Period
In the year-to-date period, CZNC achieves a 12.34% return, which is significantly higher than CZBS's 8.27% return. Over the past 10 years, CZNC has underperformed CZBS with an annualized return of 6.32%, while CZBS has yielded a comparatively higher 25.57% annualized return.
CZNC
- 1D
- 0.18%
- 1M
- -2.40%
- YTD
- 12.34%
- 6M
- 16.83%
- 1Y
- 18.69%
- 3Y*
- 7.46%
- 5Y*
- 4.02%
- 10Y*
- 6.32%
CZBS
- 1D
- 0.64%
- 1M
- 2.32%
- YTD
- 8.27%
- 6M
- 5.63%
- 1Y
- -5.81%
- 3Y*
- 9.52%
- 5Y*
- 36.52%
- 10Y*
- 25.57%
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Return for Risk
CZNC vs. CZBS — Risk / Return Rank
CZNC
CZBS
CZNC vs. CZBS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens & Northern Corporation (CZNC) and Citizens Bancshares Corp (CZBS). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| CZNC | CZBS | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.77 | -0.18 | +0.95 |
Sortino ratioReturn per unit of downside risk | 1.18 | -0.07 | +1.25 |
Omega ratioGain probability vs. loss probability | 1.15 | 0.99 | +0.16 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | -0.18 | +1.90 |
Martin ratioReturn relative to average drawdown | 3.72 | -0.30 | +4.03 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| CZNC | CZBS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.77 | -0.18 | +0.95 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.14 | 0.97 | -0.83 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.18 | 0.67 | -0.49 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.17 | 0.60 | -0.43 |
Correlation
The correlation between CZNC and CZBS is 0.04, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
CZNC vs. CZBS - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 5.00%, more than CZBS's 2.53% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 5.00% | 5.55% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 3.82% | 4.09% | 4.33% | 3.97% | 4.95% |
CZBS Citizens Bancshares Corp | 2.53% | 2.45% | 1.96% | 1.92% | 1.82% | 3.91% | 3.48% | 4.42% | 2.40% | 0.58% | 0.89% | 1.00% |
Drawdowns
CZNC vs. CZBS - Drawdown Comparison
The maximum CZNC drawdown since its inception was -72.50%, which is greater than CZBS's maximum drawdown of -36.52%. Use the drawdown chart below to compare losses from any high point for CZNC and CZBS.
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Drawdown Indicators
| CZNC | CZBS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.50% | -36.52% | -35.98% |
Max Drawdown (1Y)Largest decline over 1 year | -10.30% | -26.74% | +16.44% |
Max Drawdown (5Y)Largest decline over 5 years | -34.22% | -35.94% | +1.72% |
Max Drawdown (10Y)Largest decline over 10 years | -44.85% | -36.52% | -8.33% |
Current DrawdownCurrent decline from peak | -6.28% | -16.83% | +10.55% |
Average DrawdownAverage peak-to-trough decline | -20.61% | -13.80% | -6.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.77% | 15.48% | -10.71% |
Volatility
CZNC vs. CZBS - Volatility Comparison
The current volatility for Citizens & Northern Corporation (CZNC) is 5.21%, while Citizens Bancshares Corp (CZBS) has a volatility of 7.33%. This indicates that CZNC experiences smaller price fluctuations and is considered to be less risky than CZBS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CZNC | CZBS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.21% | 7.33% | -2.12% |
Volatility (6M)Calculated over the trailing 6-month period | 15.84% | 15.95% | -0.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.50% | 31.64% | -7.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.22% | 37.95% | -8.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.63% | 38.16% | -3.53% |
Financials
CZNC vs. CZBS - Financials Comparison
This section allows you to compare key financial metrics between Citizens & Northern Corporation and Citizens Bancshares Corp. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities