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 5.03%/yr vs 25.17%/yr for CZBS. At a 0.05 correlation, their price movements are largely independent.
Performance
CZNC vs. CZBS - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, CZNC achieves a 3.54% return, which is significantly lower than CZBS's 20.51% return. Over the past 10 years, CZNC has underperformed CZBS with an annualized return of 5.03%, while CZBS has yielded a comparatively higher 25.17% annualized return.
CZNC
- 1D
- -2.35%
- 1M
- -5.39%
- YTD
- 3.54%
- 6M
- 1.87%
- 1Y
- 16.44%
- 3Y*
- 6.95%
- 5Y*
- 1.33%
- 10Y*
- 5.03%
CZBS
- 1D
- 0.61%
- 1M
- 5.52%
- YTD
- 20.51%
- 6M
- 31.49%
- 1Y
- 8.19%
- 3Y*
- 15.70%
- 5Y*
- 33.50%
- 10Y*
- 25.17%
CZNC vs. CZBS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 3.54% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
CZBS Citizens Bancshares Corp | 20.51% | -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 0.19, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.19 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.05 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.04 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.06 |
Correlation (All Time) Calculated using the full available price history since Aug 2, 2012 | 0.05 |
The correlation between CZNC and CZBS shifts across timeframes, from 0.04 (5 years) to 0.19 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
CZNC:
$116.64M
CZBS:
$13.07M
CZNC:
$75.17M
CZBS:
$4.20M
CZNC:
$22.06M
CZBS:
-$7.36M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
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 | +0.28 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.13 | 1.10 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 1.16 | 0.38 | +0.78 |
| Martin ratioReturn relative to average drawdown | 3.09 | 0.83 | +2.26 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| CZNC | CZBS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.70 | 0.42 | +0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.05 | 0.97 | -0.92 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.15 | 0.68 | -0.53 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.62 | -0.46 |
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.
Loading charts...
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% | -21.48% | +7.24% |
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 | -13.73% | -7.43% | -6.30% |
Average DrawdownAverage peak-to-trough decline | -20.53% | -13.78% | -6.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.34% | 9.89% | -4.55% |
Volatility
CZNC vs. CZBS - Volatility Comparison
Citizens & Northern Corporation (CZNC) has a higher volatility of 6.04% compared to Citizens Bancshares Corp (CZBS) at 3.21%. This indicates that CZNC's price experiences larger fluctuations and is considered to be riskier than CZBS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| CZNC | CZBS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.04% | 3.21% | +2.83% |
Volatility (6M)Calculated over the trailing 6-month period | 17.18% | 12.81% | +4.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 23.66% | 20.01% | +3.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.14% | 34.82% | -5.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.74% | 37.50% | -2.76% |
Dividends
CZNC vs. CZBS - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 5.50%, more than CZBS's 2.27% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZBS Citizens Bancshares Corp | 2.27% | 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 | 5.50% | 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 0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CZNC has higher volatility (6.04%) compared to CZBS (3.21%). In terms of maximum drawdown, CZNC dropped -72.50% vs CZBS's -36.52%.
CZNC currently has the higher Sharpe Ratio (0.70 vs 0.42), 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.
Find the right allocation for CZNC and CZBS
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer