Correlation
The correlation between CZNC and SCHD is 0.43, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
CZNC vs. SCHD
Compare and contrast key facts about Citizens & Northern Corporation (CZNC) and Schwab US Dividend Equity ETF (SCHD).
SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: CZNC or SCHD.
Performance
CZNC vs. SCHD - Performance Comparison
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Key characteristics
CZNC:
0.54
SCHD:
0.42
CZNC:
0.77
SCHD:
0.49
CZNC:
1.09
SCHD:
1.07
CZNC:
0.39
SCHD:
0.28
CZNC:
1.31
SCHD:
0.84
CZNC:
9.46%
SCHD:
5.32%
CZNC:
34.07%
SCHD:
16.46%
CZNC:
-72.49%
SCHD:
-33.37%
CZNC:
-18.43%
SCHD:
-9.68%
Returns By Period
In the year-to-date period, CZNC achieves a 3.99% return, which is significantly higher than SCHD's -3.27% return. Over the past 10 years, CZNC has underperformed SCHD with an annualized return of 4.77%, while SCHD has yielded a comparatively higher 10.57% annualized return.
CZNC
3.99%
0.25%
-4.01%
18.03%
-3.17%
4.97%
4.77%
SCHD
-3.27%
1.16%
-9.40%
6.77%
3.50%
12.24%
10.57%
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Risk-Adjusted Performance
CZNC vs. SCHD — Risk-Adjusted Performance Rank
CZNC
SCHD
CZNC vs. SCHD - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens & Northern Corporation (CZNC) and Schwab US 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.
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Dividends
CZNC vs. SCHD - Dividend Comparison
CZNC's dividend yield for the trailing twelve months is around 5.95%, more than SCHD's 3.97% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CZNC Citizens & Northern Corporation | 5.95% | 6.02% | 4.99% | 4.90% | 4.25% | 5.44% | 4.18% | 4.09% | 4.33% | 3.97% | 4.95% | 5.03% |
SCHD Schwab US Dividend Equity ETF | 3.97% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
Drawdowns
CZNC vs. SCHD - Drawdown Comparison
The maximum CZNC drawdown since its inception was -72.49%, 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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Volatility
CZNC vs. SCHD - Volatility Comparison
Citizens & Northern Corporation (CZNC) has a higher volatility of 6.02% compared to Schwab US Dividend Equity ETF (SCHD) at 4.91%. 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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