Citizens & Northern (CZNC) Competitors

$21.15 +0.03 (+0.14%)

Closing price 04:00 PM Eastern

Extended Trading

$20.37 -0.78 (-3.69%)

As of 05:33 PM Eastern

CZNC vs. FCBC, FMBH, HBCP, MBWM, and MCBS

Should you buy Citizens & Northern stock or one of its competitors? MarketBeat compares Citizens & Northern with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Citizens & Northern include First Community Bancshares (FCBC), First Mid Bancshares (FMBH), Home Bancorp (HBCP), Mercantile Bank (MBWM), and MetroCity Bankshares (MCBS). These companies are all part of the "finance" sector.

How does Citizens & Northern compare to First Community Bancshares?

Citizens & Northern (NASDAQ:CZNC) and First Community Bancshares (NASDAQ:FCBC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, risk, earnings, media sentiment, valuation and institutional ownership.

Citizens & Northern has a beta of 0.44, meaning that its share price is 56% less volatile than the broader market. Comparatively, First Community Bancshares has a beta of 0.48, meaning that its share price is 52% less volatile than the broader market.

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.3%. First Community Bancshares pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. First Community Bancshares pays out 46.8% of its earnings in the form of a dividend. First Community Bancshares has increased its dividend for 13 consecutive years.

First Community Bancshares has higher revenue and earnings than Citizens & Northern. First Community Bancshares is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03M	2.23	$23.43M	$1.09	19.40
First Community Bancshares	$185.42M	4.33	$48.79M	$2.65	16.04

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 35.0% of First Community Bancshares shares are owned by institutional investors. 4.7% of Citizens & Northern shares are owned by insiders. Comparatively, 3.7% of First Community Bancshares 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.

First Community Bancshares has a net margin of 25.89% compared to Citizens & Northern's net margin of 9.67%. First Community Bancshares' return on equity of 10.44% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	9.67%	7.47%	0.81%
First Community Bancshares	25.89%	10.44%	1.60%

Citizens & Northern currently has a consensus price target of $23.50, suggesting a potential upside of 11.11%. Given Citizens & Northern's higher probable upside, equities analysts clearly believe Citizens & Northern is more favorable than First Community Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	1 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.75
First Community Bancshares	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

In the previous week, Citizens & Northern's average media sentiment score of 0.00 equaled First Community Bancshares'average media sentiment score.

Company	Overall Sentiment
Citizens & Northern	Neutral
First Community Bancshares	Neutral

Summary

First Community Bancshares beats Citizens & Northern on 13 of the 17 factors compared between the two stocks.

How does Citizens & Northern compare to First Mid Bancshares?

First Mid Bancshares (NASDAQ:FMBH) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, institutional ownership, risk, earnings, analyst recommendations, dividends, media sentiment and profitability.

First Mid Bancshares has higher revenue and earnings than Citizens & Northern. First Mid Bancshares is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Mid Bancshares	$466.04M	2.51	$91.75M	$3.97	11.05
Citizens & Northern	$170.03M	2.23	$23.43M	$1.09	19.40

First Mid Bancshares currently has a consensus price target of $49.50, suggesting a potential upside of 12.86%. Citizens & Northern has a consensus price target of $23.50, suggesting a potential upside of 11.11%. Given First Mid Bancshares' stronger consensus rating and higher probable upside, equities analysts plainly believe First Mid Bancshares is more favorable than Citizens & Northern.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Mid Bancshares	0 Sell rating(s)	3 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.50
Citizens & Northern	1 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.75

47.6% of First Mid Bancshares shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 6.0% of First Mid Bancshares shares are owned by insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

First Mid Bancshares has a net margin of 19.95% compared to Citizens & Northern's net margin of 9.67%. First Mid Bancshares' return on equity of 10.44% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Mid Bancshares	19.95%	10.44%	1.23%
Citizens & Northern	9.67%	7.47%	0.81%

First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 2.3%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.3%. First Mid Bancshares pays out 25.2% of its earnings in the form of a dividend. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. First Mid Bancshares has raised its dividend for 3 consecutive years.

In the previous week, First Mid Bancshares' average media sentiment score of 0.00 equaled Citizens & Northern'saverage media sentiment score.

Company	Overall Sentiment
First Mid Bancshares	Neutral
Citizens & Northern	Neutral

First Mid Bancshares has a beta of 0.79, suggesting that its share price is 21% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.44, suggesting that its share price is 56% less volatile than the broader market.

Summary

First Mid Bancshares beats Citizens & Northern on 15 of the 17 factors compared between the two stocks.

How does Citizens & Northern compare to Home Bancorp?

Citizens & Northern (NASDAQ:CZNC) and Home Bancorp (NASDAQ:HBCP) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, profitability, media sentiment, earnings, analyst recommendations and dividends.

Home Bancorp has higher revenue and earnings than Citizens & Northern. Home 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03M	2.23	$23.43M	$1.09	19.40
Home Bancorp	$209.23M	2.43	$46.06M	$5.95	10.90

Citizens & Northern has a beta of 0.44, meaning that its share price is 56% less volatile than the broader market. Comparatively, Home Bancorp has a beta of 0.5, meaning that its share price is 50% less volatile than the broader market.

Home Bancorp has a net margin of 22.18% compared to Citizens & Northern's net margin of 9.67%. Home Bancorp's return on equity of 10.86% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	9.67%	7.47%	0.81%
Home Bancorp	22.18%	10.86%	1.32%

In the previous week, Home Bancorp had 4 more articles in the media than Citizens & Northern. MarketBeat recorded 4 mentions for Home Bancorp and 0 mentions for Citizens & Northern. Home Bancorp's average media sentiment score of 0.09 beat Citizens & Northern's score of 0.00 indicating that Home Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Citizens & Northern	Neutral
Home Bancorp	Neutral

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.3%. Home Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 1.9%. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Home Bancorp pays out 20.8% of its earnings in the form of a dividend. Home Bancorp has raised its dividend for 10 consecutive years.

Citizens & Northern currently has a consensus target price of $23.50, suggesting a potential upside of 11.11%. Home Bancorp has a consensus target price of $65.50, suggesting a potential upside of 1.02%. Given Citizens & Northern's higher probable upside, research analysts clearly believe Citizens & Northern is more favorable than Home Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	1 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.75
Home Bancorp	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.60

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 49.4% of Home Bancorp shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by insiders. Comparatively, 6.2% of Home Bancorp shares are held 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.

Summary

Home Bancorp beats Citizens & Northern on 17 of the 20 factors compared between the two stocks.

How does Citizens & Northern compare to Mercantile Bank?

Citizens & Northern (NASDAQ:CZNC) and Mercantile Bank (NASDAQ:MBWM) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their institutional ownership, media sentiment, risk, dividends, profitability, analyst recommendations, earnings and valuation.

Citizens & Northern has a beta of 0.44, meaning that its share price is 56% less volatile than the broader market. Comparatively, Mercantile Bank has a beta of 0.81, meaning that its share price is 19% less volatile than the broader market.

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.3%. Mercantile Bank pays an annual dividend of $1.56 per share and has a dividend yield of 3.0%. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Mercantile Bank pays out 28.0% of its earnings in the form of a dividend. Mercantile Bank has increased its dividend for 14 consecutive years.

Citizens & Northern presently has a consensus price target of $23.50, suggesting a potential upside of 11.11%. Mercantile Bank has a consensus price target of $56.20, suggesting a potential upside of 7.15%. Given Citizens & Northern's higher possible upside, analysts plainly believe Citizens & Northern is more favorable than Mercantile Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens & Northern	1 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.75
Mercantile Bank	0 Sell rating(s)	3 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	2.57

Mercantile Bank has higher revenue and earnings than Citizens & Northern. Mercantile Bank is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens & Northern	$170.03M	2.23	$23.43M	$1.09	19.40
Mercantile Bank	$371.80M	2.44	$88.75M	$5.57	9.42

Mercantile Bank has a net margin of 24.19% compared to Citizens & Northern's net margin of 9.67%. Mercantile Bank's return on equity of 13.73% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens & Northern	9.67%	7.47%	0.81%
Mercantile Bank	24.19%	13.73%	1.44%

In the previous week, Mercantile Bank had 2 more articles in the media than Citizens & Northern. MarketBeat recorded 2 mentions for Mercantile Bank and 0 mentions for Citizens & Northern. Mercantile Bank's average media sentiment score of 0.42 beat Citizens & Northern's score of 0.00 indicating that Mercantile Bank is being referred to more favorably in the news media.

Company	Overall Sentiment
Citizens & Northern	Neutral
Mercantile Bank	Neutral

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 58.6% of Mercantile Bank shares are owned by institutional investors. 4.7% of Citizens & Northern shares are owned by insiders. Comparatively, 2.5% of Mercantile Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Mercantile Bank beats Citizens & Northern on 15 of the 19 factors compared between the two stocks.

How does Citizens & Northern compare to MetroCity Bankshares?

MetroCity Bankshares (NASDAQ:MCBS) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, media sentiment, institutional ownership and valuation.

MetroCity Bankshares pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.3%. MetroCity Bankshares pays out 41.9% of its earnings in the form of a dividend. Citizens & Northern pays out 102.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

In the previous week, MetroCity Bankshares' average media sentiment score of 0.00 equaled Citizens & Northern'saverage media sentiment score.

Company	Overall Sentiment
MetroCity Bankshares	Neutral
Citizens & Northern	Neutral

MetroCity Bankshares has a net margin of 28.16% compared to Citizens & Northern's net margin of 9.67%. MetroCity Bankshares' return on equity of 15.09% beat Citizens & Northern's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
MetroCity Bankshares	28.16%	15.09%	1.79%
Citizens & Northern	9.67%	7.47%	0.81%

MetroCity Bankshares has higher revenue and earnings than Citizens & Northern. MetroCity Bankshares is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MetroCity Bankshares	$246.01M	3.82	$68.53M	$2.77	11.83
Citizens & Northern	$170.03M	2.23	$23.43M	$1.09	19.40

MetroCity Bankshares has a beta of 0.72, indicating that its share price is 28% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its share price is 56% less volatile than the broader market.

MetroCity Bankshares currently has a consensus target price of $33.00, indicating a potential upside of 0.67%. Citizens & Northern has a consensus target price of $23.50, indicating a potential upside of 11.11%. Given Citizens & Northern's higher possible upside, analysts plainly believe Citizens & Northern is more favorable than MetroCity Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MetroCity Bankshares	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Citizens & Northern	1 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.75

25.3% of MetroCity Bankshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 27.5% of MetroCity Bankshares shares are held by insiders. Comparatively, 4.7% of Citizens & Northern shares are held 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.

Summary

MetroCity Bankshares beats Citizens & Northern on 12 of the 16 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.

CZNC vs. The Competition

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Metric	Citizens & Northern	BANKS Industry	Finance Sector	NASDAQ Exchange
Market Cap	$378.40M	$1.11B	$13.65B	$12.49B
Dividend Yield	5.30%	2.67%	5.77%	5.25%
P/E Ratio	19.40	18.46	24.00	25.93
Price / Sales	2.23	2.28	148.72	89.67
Price / Cash	11.26	23.95	19.96	56.80
Price / Book	1.13	1.16	2.16	7.14
Net Income	$23.43M	$75.93M	$1.13B	$337.13M
7 Day Performance	0.71%	0.79%	0.74%	3.36%
1 Month Performance	-8.99%	1.12%	0.37%	3.52%
1 Year Performance	10.68%	24.45%	11.88%	36.41%

Citizens & Northern Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CZNC Citizens & Northern	4.1074 of 5 stars	$21.15 +0.1%	$23.50 +11.1%	+11.2%	$378.40M	$170.03M	19.40	410	Analyst Downgrade
FCBC First Community Bancshares	2.1754 of 5 stars	$42.73 +0.8%	N/A	+13.3%	$806.32M	$185.42M	16.12	630
FMBH First Mid Bancshares	4.153 of 5 stars	$44.29 +1.6%	$49.50 +11.8%	+26.7%	$1.16B	$355.25M	11.16	1,170
HBCP Home Bancorp	3.5525 of 5 stars	$65.36 +0.6%	$65.50 +0.2%	+33.1%	$512.42M	$209.23M	10.98	440
MBWM Mercantile Bank	3.6677 of 5 stars	$52.89 +1.3%	$56.20 +6.3%	+21.1%	$913.41M	$371.80M	9.50	670

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This page (NASDAQ:CZNC) was last updated on 5/27/2026 by MarketBeat.com Staff.

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Citizens & Northern (CZNC) Competitors

CZNC vs. FCBC, FMBH, HBCP, MBWM, and MCBS

How does Citizens & Northern compare to First Community Bancshares?

Summary

How does Citizens & Northern compare to First Mid Bancshares?

Summary

How does Citizens & Northern compare to Home Bancorp?

Summary

How does Citizens & Northern compare to Mercantile Bank?

Summary

How does Citizens & Northern compare to MetroCity Bankshares?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CZNC vs. The Competition

Citizens & Northern Competitors List

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Citizens & Northern (CZNC) Competitors

CZNC vs. FCBC, FMBH, HBCP, MBWM, and MCBS

How does Citizens & Northern compare to First Community Bancshares?

Which has more volatility & risk, CZNC or FCBC?

Is CZNC or FCBC a better dividend stock?

Which has stronger valuation & earnings, CZNC or FCBC?

Do institutionals & insiders have more ownership in CZNC or FCBC?

Is CZNC or FCBC more profitable?

Do analysts prefer CZNC or FCBC?

Does the media refer more to CZNC or FCBC?

Summary

How does Citizens & Northern compare to First Mid Bancshares?

Which has preferable valuation and earnings, FMBH or CZNC?

Do analysts prefer FMBH or CZNC?

Do institutionals and insiders hold more shares of FMBH or CZNC?

Is FMBH or CZNC more profitable?

Is FMBH or CZNC a better dividend stock?

Does the media prefer FMBH or CZNC?

Which has more risk and volatility, FMBH or CZNC?

Summary

How does Citizens & Northern compare to Home Bancorp?

Which has stronger valuation & earnings, CZNC or HBCP?

Which has more risk & volatility, CZNC or HBCP?

Is CZNC or HBCP more profitable?

Does the media refer more to CZNC or HBCP?

Is CZNC or HBCP a better dividend stock?

Do analysts rate CZNC or HBCP?

Do insiders and institutionals hold more shares of CZNC or HBCP?

Summary

How does Citizens & Northern compare to Mercantile Bank?

Which has more volatility & risk, CZNC or MBWM?

Is CZNC or MBWM a better dividend stock?

Do analysts rate CZNC or MBWM?

Which has preferable earnings & valuation, CZNC or MBWM?

Is CZNC or MBWM more profitable?

Does the media refer more to CZNC or MBWM?

Do institutionals & insiders have more ownership in CZNC or MBWM?

Summary

How does Citizens & Northern compare to MetroCity Bankshares?

Is MCBS or CZNC a better dividend stock?

Does the media favor MCBS or CZNC?

Is MCBS or CZNC more profitable?

Which has preferable earnings & valuation, MCBS or CZNC?

Which has more risk & volatility, MCBS or CZNC?

Do analysts rate MCBS or CZNC?

Do insiders and institutionals hold more shares of MCBS or CZNC?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CZNC vs. The Competition

Citizens & Northern Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools