Citizens & Northern (CZNC) Competitors $20.07 -0.48 (-2.34%) Closing price 09/19/2025 04:00 PM EasternExtended Trading$20.08 +0.01 (+0.05%) As of 09/19/2025 04:21 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock CZNC vs. FCBC, FMBH, HBCP, MCBS, MOFG, THFF, TOWN, WTBA, PRK, and TMPShould you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include First Community Bancshares (FCBC), First Mid Bancshares (FMBH), Home Bancorp (HBCP), MetroCity Bankshares (MCBS), MidWestOne Financial Group (MOFG), First Financial Corporation Indiana (THFF), Towne Bank (TOWN), West Bancorporation (WTBA), Park National (PRK), and Tompkins Financial (TMP). These companies are all part of the "finance" sector. Citizens & Northern vs. Its Competitors First Community Bancshares First Mid Bancshares Home Bancorp MetroCity Bankshares MidWestOne Financial Group First Financial Corporation Indiana Towne Bank West Bancorporation Park National Tompkins Financial First Community Bancshares (NASDAQ:FCBC) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, profitability, media sentiment, valuation, risk and earnings. Do institutionals & insiders hold more shares of FCBC or CZNC? 35.0% of First Community Bancshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 3.7% of First Community Bancshares shares are held by company insiders. Comparatively, 4.5% of Citizens & Northern shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term. Is FCBC or CZNC a better dividend stock? First Community Bancshares pays an annual dividend of $1.24 per share and has a dividend yield of 3.4%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.6%. First Community Bancshares pays out 45.4% of its earnings in the form of a dividend. Citizens & Northern pays out 64.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Community Bancshares has raised its dividend for 13 consecutive years. Does the media prefer FCBC or CZNC? In the previous week, Citizens & Northern had 2 more articles in the media than First Community Bancshares. MarketBeat recorded 2 mentions for Citizens & Northern and 0 mentions for First Community Bancshares. Citizens & Northern's average media sentiment score of 0.78 beat First Community Bancshares' score of 0.00 indicating that Citizens & Northern is being referred to more favorably in the news media. Company Overall Sentiment First Community Bancshares Neutral Citizens & Northern Positive Which has more risk and volatility, FCBC or CZNC? First Community Bancshares has a beta of 0.68, suggesting that its share price is 32% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.58, suggesting that its share price is 42% less volatile than the S&P 500. Is FCBC or CZNC more profitable? First Community Bancshares has a net margin of 27.07% compared to Citizens & Northern's net margin of 16.77%. First Community Bancshares' return on equity of 9.68% beat Citizens & Northern's return on equity.Company Net Margins Return on Equity Return on Assets First Community Bancshares27.07% 9.68% 1.54% Citizens & Northern 16.77%9.60%1.02% Which has higher earnings & valuation, FCBC or CZNC? First Community Bancshares has higher revenue and earnings than Citizens & Northern. Citizens & Northern is trading at a lower price-to-earnings ratio than First Community Bancshares, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioFirst Community Bancshares$185.53M3.59$51.60M$2.7313.33Citizens & Northern$157.29M1.98$25.96M$1.7511.47 Do analysts recommend FCBC or CZNC? Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score First Community Bancshares 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Citizens & Northern 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 SummaryFirst Community Bancshares beats Citizens & Northern on 12 of the 17 factors compared between the two stocks. Get Citizens & Northern News Delivered to You Automatically Sign up to receive the latest news and ratings for CZNC and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding CZNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart CZNC vs. The Competition Export to ExcelMetricCitizens & NorthernBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$318.83M$972.08M$12.74B$10.40BDividend Yield5.45%2.95%5.40%4.60%P/E Ratio11.4717.24243.5726.75Price / Sales1.982.1730.93124.23Price / Cash10.7349.7122.4261.55Price / Book1.121.162.336.40Net Income$25.96M$54.35M$1.01B$271.62M7 Day Performance0.25%0.69%0.38%3.46%1 Month Performance2.82%4.09%3.78%9.87%1 Year Performance2.92%12.49%537.69%28.45% Citizens & Northern Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZNCCitizens & Northern3.3394 of 5 stars$20.07-2.3%N/A-0.6%$318.83M$157.29M11.47410News CoverageHigh Trading VolumeFCBCFirst Community Bancshares2.6399 of 5 stars$37.07-0.2%N/A-20.4%$680.03M$185.53M13.58630FMBHFirst Mid Bancshares3.5713 of 5 stars$39.38-0.1%$43.33+10.0%-3.5%$945.50M$453.67M11.191,198News CoveragePositive NewsShort Interest ↓HBCPHome Bancorp3.4781 of 5 stars$55.20-0.3%$59.50+7.8%+24.7%$433.33M$199.39M10.60440MCBSMetroCity Bankshares3.5535 of 5 stars$29.06+0.2%$34.00+17.0%-8.8%$740.85M$235.98M11.35220Positive NewsMOFGMidWestOne Financial Group3.1806 of 5 stars$29.00-0.7%$34.17+17.8%-1.6%$604.42M$206.03M-7.14730Positive NewsTHFFFirst Financial Corporation Indiana2.7181 of 5 stars$57.94-0.7%$57.67-0.5%+25.8%$691.48M$307.51M11.08880Dividend AnnouncementTOWNTowne Bank3.65 of 5 stars$35.54-1.0%$40.67+14.4%+2.9%$2.69B$749.92M15.452,720Positive NewsWTBAWest Bancorporation2.457 of 5 stars$20.28flat$20.50+1.1%+2.1%$343.56M$198.50M11.93180News CoveragePositive NewsPRKPark National2.1323 of 5 stars$166.27-1.6%$177.75+6.9%-6.4%$2.67B$543.45M17.861,790Trending NewsTMPTompkins Financial3.2298 of 5 stars$68.72-1.0%$69.00+0.4%N/A$1.00B$435.70M12.401,011Positive News Related Companies and Tools Related Companies First Community Bancshares Competitors First Mid Bancshares Competitors Home Bancorp Competitors MetroCity Bankshares Competitors MidWestOne Financial Group Competitors First Financial Corporation Indiana Competitors Towne Bank Competitors West Bancorporation Competitors Park National Competitors Tompkins Financial Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CZNC) was last updated on 9/20/2025 by MarketBeat.com Staff From Our PartnersPrepare for the “Mar-a-Lago Accord” Money ShockWhy Are Wall Street Insiders Moving Their Money to This ONE Asset? 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