Citizens & Northern (CZNC) Competitors $18.72 -0.39 (-2.04%) Closing price 04:00 PM EasternExtended Trading$18.74 +0.02 (+0.08%) As of 04:04 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. PEBO, CTBI, SBSI, UVSP, HFWA, MBWM, CPF, FCBC, HAFC, and CACShould you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include Peoples Bancorp (PEBO), Community Trust Bancorp (CTBI), Southside Bancshares (SBSI), Univest Financial (UVSP), Heritage Financial (HFWA), Mercantile Bank (MBWM), Central Pacific Financial (CPF), First Community Bankshares (FCBC), Hanmi Financial (HAFC), and Camden National (CAC). These companies are all part of the "regional banks" industry. Citizens & Northern vs. Peoples Bancorp Community Trust Bancorp Southside Bancshares Univest Financial Heritage Financial Mercantile Bank Central Pacific Financial First Community Bankshares Hanmi Financial Camden National Peoples Bancorp (NASDAQ:PEBO) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their media sentiment, community ranking, risk, analyst recommendations, profitability, valuation, dividends, institutional ownership and earnings. Which has higher earnings & valuation, PEBO or CZNC? Peoples Bancorp has higher revenue and earnings than Citizens & Northern. Peoples Bancorp is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioPeoples Bancorp$443.50M2.36$117.21M$3.159.31Citizens & Northern$107.87M2.69$25.96M$1.7510.70 Does the MarketBeat Community prefer PEBO or CZNC? Peoples Bancorp received 113 more outperform votes than Citizens & Northern when rated by MarketBeat users. Likewise, 55.92% of users gave Peoples Bancorp an outperform vote while only 52.10% of users gave Citizens & Northern an outperform vote. CompanyUnderperformOutperformPeoples BancorpOutperform Votes27455.92% Underperform Votes21644.08% Citizens & NorthernOutperform Votes16152.10% Underperform Votes14847.90% Which has more risk & volatility, PEBO or CZNC? Peoples Bancorp has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.53, indicating that its share price is 47% less volatile than the S&P 500. Is PEBO or CZNC a better dividend stock? Peoples Bancorp pays an annual dividend of $1.64 per share and has a dividend yield of 5.6%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.0%. Peoples Bancorp pays out 52.1% 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. Peoples Bancorp has raised its dividend for 10 consecutive years. Do analysts recommend PEBO or CZNC? Peoples Bancorp presently has a consensus price target of $36.00, indicating a potential upside of 22.70%. Given Peoples Bancorp's stronger consensus rating and higher possible upside, equities research analysts plainly believe Peoples Bancorp is more favorable than Citizens & Northern.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Peoples Bancorp 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50Citizens & Northern 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 Do institutionals & insiders hold more shares of PEBO or CZNC? 60.7% of Peoples Bancorp shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 3.4% of Peoples Bancorp shares are owned by insiders. Comparatively, 4.5% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth. Is PEBO or CZNC more profitable? Peoples Bancorp has a net margin of 18.90% compared to Citizens & Northern's net margin of 16.50%. Peoples Bancorp's return on equity of 11.07% beat Citizens & Northern's return on equity.Company Net Margins Return on Equity Return on Assets Peoples Bancorp18.90% 11.07% 1.31% Citizens & Northern 16.50%9.71%1.00% Does the media prefer PEBO or CZNC? In the previous week, Peoples Bancorp had 2 more articles in the media than Citizens & Northern. MarketBeat recorded 4 mentions for Peoples Bancorp and 2 mentions for Citizens & Northern. Peoples Bancorp's average media sentiment score of 1.44 beat Citizens & Northern's score of 0.43 indicating that Peoples Bancorp is being referred to more favorably in the media. Company Overall Sentiment Peoples Bancorp Positive Citizens & Northern Neutral SummaryPeoples Bancorp beats Citizens & Northern on 17 of the 21 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. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} 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 & NorthernState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$290.07M$3.26B$11.53B$8.46BDividend Yield5.90%3.78%5.54%4.18%P/E Ratio11.0823.7922.5719.78Price / Sales2.693.0826.57138.44Price / Cash11.5610.6317.6234.64Price / Book1.091.192.794.54Net Income$25.96M$372.21M$1.03B$247.85M7 Day Performance-0.11%-0.15%0.50%1.68%1 Month Performance-0.16%3.01%3.77%8.76%1 Year Performance7.09%18.03%538.77%9.69% Citizens & Northern Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZNCCitizens & Northern2.2612 of 5 stars$18.72-2.0%N/A+8.0%$290.07M$107.87M11.08410Short Interest ↑PEBOPeoples Bancorp3.9541 of 5 stars$30.72-0.3%$36.00+17.2%+1.7%$1.10B$443.50M9.281,270Positive NewsCTBICommunity Trust Bancorp3.8006 of 5 stars$52.68+0.1%$57.00+8.2%+21.3%$954.09M$256.00M11.43980News CoveragePositive NewsSBSISouthside Bancshares4.1326 of 5 stars$29.47-0.4%$37.00+25.6%+7.9%$890.41M$258.81M10.13810News CoverageUVSPUnivest Financial3.4548 of 5 stars$30.77+0.6%$29.00-5.8%+34.3%$888.64M$301.36M11.88970Positive NewsHFWAHeritage Financial4.2051 of 5 stars$23.88-0.2%$27.67+15.9%+29.1%$814.45M$225.80M19.26830Positive NewsMBWMMercantile Bank3.5243 of 5 stars$45.90+0.2%$52.83+15.1%+17.7%$745.19M$230.50M9.27670Positive NewsCPFCentral Pacific Financial4.157 of 5 stars$27.39-0.3%N/A+31.1%$738.87M$253.46M13.90780Positive NewsFCBCFirst Community Bankshares2.6523 of 5 stars$39.55+0.5%$38.00-3.9%+9.9%$722.93M$155.82M13.93630Positive NewsHAFCHanmi Financial4.6533 of 5 stars$23.75-0.5%$25.75+8.4%+49.4%$717.54M$237.93M11.59630Positive NewsCACCamden National3.3077 of 5 stars$41.23+0.0%$47.33+14.8%+24.8%$696.21M$189.74M11.39620 Related Companies and Tools Related Companies Peoples Bancorp Competitors Community Trust Bancorp Competitors Southside Bancshares Competitors Univest Financial Competitors Heritage Financial Competitors Mercantile Bank Competitors Central Pacific Financial Competitors First Community Bankshares Competitors Hanmi Financial Competitors Camden National 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 5/28/2025 by MarketBeat.com Staff From Our PartnersJuly 2025 Rule Change to Impact Retirement InvestorsThere's a massive change from a new rule going into effect this July. 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