CZNC vs. CZBS
CZNC (Citizens & Northern Corporation) and CZBS (Citizens Bancshares Corp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, CZNC returned 6.70%/yr vs 27.62%/yr for CZBS. Their 0.05 correlation means their historical movements had little consistent relationship.
Performance
CZNC vs. CZBS - Performance Comparison
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Returns By Period
In the year-to-date period, CZNC achieves a 29.06% return, which is significantly lower than CZBS's 49.24% return. Over the past 10 years, CZNC has underperformed CZBS with an annualized return of 6.70%, while CZBS has yielded a comparatively higher 27.62% annualized return.
CZNC
- 1D
- -0.16%
- 1M
- 7.45%
- 6M
- 14.37%
- YTD
- 29.06%
- 1Y
- 45.68%
- 3Y*
- 11.97%
- 5Y*
- 5.73%
- 10Y*
- 6.70%
- ALL TIME*
- 6.40%
CZBS
- 1D
- -0.18%
- 1M
- 20.88%
- 6M
- 50.21%
- YTD
- 49.24%
- 1Y
- 47.92%
- 3Y*
- 17.76%
- 5Y*
- 45.59%
- 10Y*
- 27.62%
- ALL TIME*
- 25.00%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $116.98K | $72.72K | $138.40K | |
| $1.81M | $1.58M | $1.42M |
CZNC vs. CZBS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 29.06% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
CZBS Citizens Bancshares Corp | 49.24% | -10.41% | 33.89% | 44.75% | 181.60% | 4.74% | -7.74% | 14.01% | -23.18% | 54.64% |
Correlation
The correlation between CZNC and CZBS is 0.17, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.17 |
Correlation (3Y) Balances recent behavior with more history. | 0.07 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.05 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.06 |
Correlation (All Time) Calculated using the full available price history since Aug 1, 2012 | 0.05 |
The correlation between CZNC and CZBS shifts across timeframes, from 0.05 (5 years) to 0.17 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
CZNC:
$454.90M
CZBS:
$117.66M
CZNC:
$158.60M
CZBS:
$13.07M
CZNC:
$48.64M
CZBS:
$4.20M
CZNC:
$44.36M
CZBS:
-$7.36M
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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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CZNC | CZBS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.51 | ||
| Sortino ratioReturn per unit of downside risk | -0.67 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.47 | -0.18 |
| Calmar ratioReturn relative to maximum drawdown | 2.89 | 2.77 | +0.12 |
| Martin ratioReturn relative to average drawdown | 7.45 | 7.84 | -0.39 |
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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 | -14.24% | -16.47% | +2.23% |
Max Drawdown (3Y)Largest decline over 3 years | -26.07% | -32.81% | +6.74% |
Max Drawdown (5Y)Largest decline over 5 years | -34.22% | -32.81% | -1.41% |
Max Drawdown (10Y)Largest decline over 10 years | -44.85% | -36.52% | -8.33% |
Current DrawdownCurrent decline from peak | -0.16% | -0.25% | +0.09% |
Average DrawdownAverage peak-to-trough decline | -20.44% | -13.67% | -6.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.53% | 5.82% | -0.29% |
Volatility
CZNC vs. CZBS - Volatility Comparison
The current volatility for Citizens & Northern Corporation (CZNC) is 7.59%, while Citizens Bancshares Corp (CZBS) has a volatility of 8.22%. 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 | 7.59% | 8.22% | -0.63% |
Volatility (6M)Calculated over the trailing 6-month period | 17.48% | 14.23% | +3.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.24% | 20.66% | +3.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.39% | 34.75% | -5.36% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.87% | 37.26% | -2.39% |
Dividends
CZNC vs. CZBS - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 4.41%, more than CZBS's 1.84% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 1.84% | 2.45% | 1.96% | 1.92% | 1.82% | 3.91% | 3.48% | 4.42% | 2.40% | 0.58% | 0.89% | 1.00% |
CZNC Citizens & Northern Corporation | 4.41% | 5.55% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 3.82% | 4.09% | 4.33% | 3.97% | 4.95% |
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
Frequently Asked Questions
CZNC and CZBS have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CZBS has higher volatility (8.22%) compared to CZNC (7.59%). In terms of maximum drawdown, CZNC dropped -72.50% vs CZBS's -36.52%.
CZBS currently has the higher Sharpe Ratio (2.21 vs 1.70), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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