CZNC vs. PEBO, CTBI, SBSI, UVSP, HFWA, CPF, MBWM, HAFC, FCBC, 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), Central Pacific Financial (CPF), Mercantile Bank (MBWM), Hanmi Financial (HAFC), First Community Bankshares (FCBC), and Camden National (CAC). These companies are all part of the "regional banks" industry.
Citizens & Northern vs. Its Competitors
Peoples Bancorp (NASDAQ:PEBO) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, community ranking, profitability, earnings, dividends, media sentiment, valuation, risk and institutional ownership.
Peoples Bancorp has a net margin of 18.10% compared to Citizens & Northern's net margin of 16.92%. Peoples Bancorp's return on equity of 10.36% beat Citizens & Northern's return on equity.
Peoples Bancorp presently has a consensus target price of $36.00, indicating a potential upside of 23.63%. Given Peoples Bancorp's stronger consensus rating and higher possible upside, equities analysts plainly believe Peoples Bancorp is more favorable than Citizens & Northern.
Peoples Bancorp has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.5, indicating that its share price is 50% less volatile than the S&P 500.
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 hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
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.
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 increased its dividend for 10 consecutive years.
In the previous week, Peoples Bancorp had 2 more articles in the media than Citizens & Northern. MarketBeat recorded 2 mentions for Peoples Bancorp and 0 mentions for Citizens & Northern. Peoples Bancorp's average media sentiment score of 0.36 beat Citizens & Northern's score of 0.00 indicating that Peoples Bancorp is being referred to more favorably in the media.
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.
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 CZNC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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.
Citizens & Northern Competitors List
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This page (NASDAQ:CZNC) was last updated on 6/19/2025 by MarketBeat.com Staff
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