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Citizens & Northern (CZNC) Competitors

Citizens & Northern logo
$18.72 -0.39 (-2.04%)
Closing price 04:00 PM Eastern
Extended Trading
$18.74 +0.02 (+0.08%)
As of 04:04 PM Eastern
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CZNC vs. PEBO, CTBI, SBSI, UVSP, HFWA, MBWM, CPF, FCBC, HAFC, and CAC

Should 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 (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.

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 Ratio
Peoples Bancorp$443.50M2.36$117.21M$3.159.31
Citizens & Northern$107.87M2.69$25.96M$1.7510.70

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.

CompanyUnderperformOutperform
Peoples BancorpOutperform Votes
274
55.92%
Underperform Votes
216
44.08%
Citizens & NorthernOutperform Votes
161
52.10%
Underperform Votes
148
47.90%

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.

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.

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)
2.50
Citizens & Northern
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

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.

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%

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

Summary

Peoples Bancorp beats Citizens & Northern on 17 of the 21 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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.
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CZNC vs. The Competition

MetricCitizens & NorthernState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$290.07M$3.26B$11.53B$8.46B
Dividend Yield5.90%3.78%5.54%4.18%
P/E Ratio11.0823.7922.5719.78
Price / Sales2.693.0826.57138.44
Price / Cash11.5610.6317.6234.64
Price / Book1.091.192.794.54
Net Income$25.96M$372.21M$1.03B$247.85M
7 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

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
2.2612 of 5 stars
$18.72
-2.0%
N/A+8.0%$290.07M$107.87M11.08410Short Interest ↑
PEBO
Peoples Bancorp
3.9541 of 5 stars
$30.72
-0.3%
$36.00
+17.2%
+1.7%$1.10B$443.50M9.281,270Positive News
CTBI
Community Trust Bancorp
3.8006 of 5 stars
$52.68
+0.1%
$57.00
+8.2%
+21.3%$954.09M$256.00M11.43980News Coverage
Positive News
SBSI
Southside Bancshares
4.1326 of 5 stars
$29.47
-0.4%
$37.00
+25.6%
+7.9%$890.41M$258.81M10.13810News Coverage
UVSP
Univest Financial
3.4548 of 5 stars
$30.77
+0.6%
$29.00
-5.8%
+34.3%$888.64M$301.36M11.88970Positive News
HFWA
Heritage Financial
4.2051 of 5 stars
$23.88
-0.2%
$27.67
+15.9%
+29.1%$814.45M$225.80M19.26830Positive News
MBWM
Mercantile Bank
3.5243 of 5 stars
$45.90
+0.2%
$52.83
+15.1%
+17.7%$745.19M$230.50M9.27670Positive News
CPF
Central Pacific Financial
4.157 of 5 stars
$27.39
-0.3%
N/A+31.1%$738.87M$253.46M13.90780Positive News
FCBC
First Community Bankshares
2.6523 of 5 stars
$39.55
+0.5%
$38.00
-3.9%
+9.9%$722.93M$155.82M13.93630Positive News
HAFC
Hanmi Financial
4.6533 of 5 stars
$23.75
-0.5%
$25.75
+8.4%
+49.4%$717.54M$237.93M11.59630Positive News
CAC
Camden National
3.3077 of 5 stars
$41.23
+0.0%
$47.33
+14.8%
+24.8%$696.21M$189.74M11.39620

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This page (NASDAQ:CZNC) was last updated on 5/28/2025 by MarketBeat.com Staff
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