CZNC vs. MUFG
CZNC (Citizens & Northern Corporation) and MUFG (Mitsubishi UFJ Financial Group, Inc.) are both stocks. Both are in the Financial Services sector — CZNC in Banks - Regional, MUFG in Banks - Diversified. Over the past 10 years, CZNC returned 6.70%/yr vs 19.25%/yr for MUFG. Their 0.22 correlation means their historical movements had little consistent relationship.
Performance
CZNC vs. MUFG - 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 MUFG's 44.33% return. Over the past 10 years, CZNC has underperformed MUFG with an annualized return of 6.70%, while MUFG has yielded a comparatively higher 19.25% 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%
MUFG
- 1D
- -0.22%
- 1M
- 8.93%
- 6M
- 26.82%
- YTD
- 44.33%
- 1Y
- 66.80%
- 3Y*
- 46.10%
- 5Y*
- 38.23%
- 10Y*
- 19.25%
- ALL TIME*
- 6.71%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.81M | $1.58M | $1.42M | |
| $77.45M | $78.72M | $67.45M |
CZNC vs. MUFG - 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% |
MUFG Mitsubishi UFJ Financial Group, Inc. | 44.33% | 39.96% | 40.10% | 33.50% | 27.37% | 25.70% | -15.99% | 11.50% | -33.01% | 20.99% |
Correlation
The correlation between CZNC and MUFG is 0.18, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.18 |
Correlation (3Y) Balances recent behavior with more history. | 0.19 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.24 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.27 |
Correlation (All Time) Calculated using the full available price history since Apr 2, 2001 | 0.22 |
Fundamentals
CZNC:
$454.90M
MUFG:
$253.41B
CZNC:
$2.00
MUFG:
¥214.92
CZNC:
12.70
MUFG:
16.77
CZNC:
2.03
MUFG:
3.10
CZNC:
$158.60M
MUFG:
¥13.21T
CZNC:
$48.64M
MUFG:
¥7.24T
CZNC:
$44.36M
MUFG:
¥3.34T
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Return for Risk
CZNC vs. MUFG — Risk / Return Rank
CZNC
MUFG
CZNC vs. MUFG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens & Northern Corporation (CZNC) and Mitsubishi UFJ Financial Group, Inc. (MUFG). 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 | MUFG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.86 | ||
| Sortino ratioReturn per unit of downside risk | -0.81 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.40 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.89 | 3.90 | -1.01 |
| Martin ratioReturn relative to average drawdown | 7.45 | 11.62 | -4.17 |
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Drawdowns
CZNC vs. MUFG - Drawdown Comparison
The maximum CZNC drawdown since its inception was -72.50%, smaller than the maximum MUFG drawdown of -76.75%. Use the drawdown chart below to compare losses from any high point for CZNC and MUFG.
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Drawdown Indicators
| CZNC | MUFG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.50% | -76.75% | +4.25% |
Max Drawdown (1Y)Largest decline over 1 year | -14.24% | -17.28% | +3.04% |
Max Drawdown (3Y)Largest decline over 3 years | -26.07% | -26.56% | +0.49% |
Max Drawdown (5Y)Largest decline over 5 years | -34.22% | -32.81% | -1.41% |
Max Drawdown (10Y)Largest decline over 10 years | -44.85% | -57.62% | +12.77% |
Current DrawdownCurrent decline from peak | -0.16% | -2.81% | +2.65% |
Average DrawdownAverage peak-to-trough decline | -20.44% | -43.30% | +22.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.53% | 5.79% | -0.26% |
Volatility
CZNC vs. MUFG - Volatility Comparison
The current volatility for Citizens & Northern Corporation (CZNC) is 7.59%, while Mitsubishi UFJ Financial Group, Inc. (MUFG) has a volatility of 9.02%. This indicates that CZNC experiences smaller price fluctuations and is considered to be less risky than MUFG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CZNC | MUFG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.59% | 9.02% | -1.43% |
Volatility (6M)Calculated over the trailing 6-month period | 17.48% | 20.02% | -2.54% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.24% | 26.37% | -2.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.39% | 29.28% | +0.11% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.87% | 27.62% | +7.25% |
Dividends
CZNC vs. MUFG - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 4.41%, more than MUFG's 2.40% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
MUFG Mitsubishi UFJ Financial Group, Inc. | 2.40% | 3.12% | 2.50% | 2.90% | 3.36% | 2.18% | 2.62% | 0.00% | 0.00% | 2.20% | 2.70% | 2.34% |
Financials
CZNC vs. MUFG - Financials Comparison
This section allows you to compare key financial metrics between Citizens & Northern Corporation and Mitsubishi UFJ Financial Group, Inc.. 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
CZNC vs. MUFG - Profitability Comparison
CZNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Citizens & Northern Corporation reported a gross profit of -23.05M and revenue of 33.37M. Therefore, the gross margin over that period was -69.1%.
MUFG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Mitsubishi UFJ Financial Group, Inc. reported a gross profit of 2.09T and revenue of 3.59T. Therefore, the gross margin over that period was 58.3%.
CZNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Citizens & Northern Corporation reported an operating income of -335.00K and revenue of 33.37M, resulting in an operating margin of -1.0%.
MUFG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Mitsubishi UFJ Financial Group, Inc. reported an operating income of 841.39B and revenue of 3.59T, resulting in an operating margin of 23.4%.
CZNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Citizens & Northern Corporation reported a net income of 14.06M and revenue of 33.37M, resulting in a net margin of 42.1%.
MUFG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Mitsubishi UFJ Financial Group, Inc. reported a net income of 624.99B and revenue of 3.59T, resulting in a net margin of 17.4%.
Frequently Asked Questions
CZNC and MUFG have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
MUFG has higher volatility (9.02%) compared to CZNC (7.59%). In terms of maximum drawdown, CZNC dropped -72.50% vs MUFG's -76.75%.
MUFG currently has the higher Sharpe Ratio (2.56 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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