CZNC vs. SCHD
CZNC (Citizens & Northern Corporation) is a stock, while SCHD (Schwab U.S. Dividend Equity ETF) is Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Over the past 10 years, CZNC returned 6.78%/yr vs 12.59%/yr for SCHD. At a 0.47 correlation, their price movements are largely independent.
Performance
CZNC vs. SCHD - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with CZNC having a 20.11% return and SCHD slightly lower at 20.03%. Over the past 10 years, CZNC has underperformed SCHD with an annualized return of 6.78%, while SCHD has yielded a comparatively higher 12.59% annualized return.
CZNC
- 1D
- -1.71%
- 1M
- 13.28%
- 6M
- 20.11%
- YTD
- 20.11%
- 1Y
- 26.39%
- 3Y*
- 12.91%
- 5Y*
- 4.37%
- 10Y*
- 6.78%
SCHD
- 1D
- 1.70%
- 1M
- 0.86%
- 6M
- 20.03%
- YTD
- 20.03%
- 1Y
- 22.96%
- 3Y*
- 14.10%
- 5Y*
- 8.83%
- 10Y*
- 12.59%
CZNC vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 20.11% | 14.89% | -12.21% | 3.67% | -8.40% | 37.98% | -25.78% | 11.43% | 14.92% | -4.38% |
SCHD Schwab U.S. Dividend Equity ETF | 20.03% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Correlation
The correlation between CZNC and SCHD is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.44 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.46 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.46 |
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011 | 0.47 |
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Return for Risk
CZNC vs. SCHD — Risk / Return Rank
CZNC
SCHD
CZNC vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens & Northern Corporation (CZNC) and Schwab U.S. Dividend Equity ETF (SCHD). 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 | SCHD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.00 | ||
| Sortino ratioReturn per unit of downside risk | -1.56 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.37 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | 1.86 | 5.00 | -3.14 |
| Martin ratioReturn relative to average drawdown | 4.67 | 11.91 | -7.25 |
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Drawdowns
CZNC vs. SCHD - Drawdown Comparison
The maximum CZNC drawdown since its inception was -72.50%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for CZNC and SCHD.
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Drawdown Indicators
| CZNC | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -72.50% | -33.37% | -39.13% |
Max Drawdown (1Y)Largest decline over 1 year | -14.24% | -4.61% | -9.63% |
Max Drawdown (3Y)Largest decline over 3 years | -26.07% | -16.13% | -9.94% |
Max Drawdown (5Y)Largest decline over 5 years | -34.22% | -16.85% | -17.37% |
Max Drawdown (10Y)Largest decline over 10 years | -44.85% | -33.37% | -11.48% |
Current DrawdownCurrent decline from peak | -1.71% | -0.56% | -1.15% |
Average DrawdownAverage peak-to-trough decline | -20.49% | -3.31% | -17.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.67% | 1.93% | +3.74% |
Volatility
CZNC vs. SCHD - Volatility Comparison
Citizens & Northern Corporation (CZNC) has a higher volatility of 8.58% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 3.49%. This indicates that CZNC's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CZNC | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.58% | 3.49% | +5.09% |
Volatility (6M)Calculated over the trailing 6-month period | 17.99% | 7.95% | +10.04% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.08% | 11.00% | +13.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.29% | 14.38% | +14.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.83% | 16.69% | +18.14% |
Dividends
CZNC vs. SCHD - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 4.74%, more than SCHD's 3.24% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 4.74% | 5.55% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 3.82% | 4.09% | 4.33% | 3.97% | 4.95% |
SCHD Schwab U.S. Dividend Equity ETF | 3.24% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Frequently Asked Questions
CZNC and SCHD have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CZNC has higher volatility (8.58%) compared to SCHD (3.49%). In terms of maximum drawdown, CZNC dropped -72.50% vs SCHD's -33.37%.
SCHD currently has the higher Sharpe Ratio (2.10 vs 1.10), 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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