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Citizens & Northern (CZNC) Competitors

Citizens & Northern logo
$21.87 +0.38 (+1.77%)
Closing price 06/16/2026 04:00 PM Eastern
Extended Trading
$21.85 -0.02 (-0.09%)
As of 04:06 AM Eastern
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CZNC vs. FCBC, GSBC, 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), Great Southern Bancorp (GSBC), 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?

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

First Community Bancshares has higher earnings, but lower revenue 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Community Bancshares$161.08M5.03$48.79M$2.6516.21
Citizens & Northern$170.03M2.30$23.43M$1.0920.06

In the previous week, Citizens & Northern had 1 more articles in the media than First Community Bancshares. MarketBeat recorded 1 mentions for Citizens & Northern and 0 mentions for First Community Bancshares. First Community Bancshares' average media sentiment score of 1.27 beat Citizens & Northern's score of 0.94 indicating that First Community Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
First Community Bancshares Positive
Citizens & Northern Positive

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, 4.7% of Citizens & Northern shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company 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
First Community Bancshares25.89% 10.44% 1.60%
Citizens & Northern 9.67%7.47%0.81%

Citizens & Northern has a consensus price target of $23.50, indicating a potential upside of 7.45%. Given Citizens & Northern's higher probable upside, analysts plainly believe Citizens & Northern is more favorable than First Community Bancshares.

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

First Community Bancshares pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.1%. First Community Bancshares pays out 46.8% 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 Community Bancshares has increased its dividend for 13 consecutive years.

First Community Bancshares has a beta of 0.48, suggesting that its share price is 52% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.42, suggesting that its share price is 58% less volatile than the broader market.

Summary

First Community Bancshares beats Citizens & Northern on 13 of the 19 factors compared between the two stocks.

How does Citizens & Northern compare to Great Southern Bancorp?

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

Great Southern Bancorp has a net margin of 21.33% compared to Citizens & Northern's net margin of 9.67%. Great Southern Bancorp's return on equity of 11.29% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern9.67% 7.47% 0.81%
Great Southern Bancorp 21.33%11.29%1.25%

Citizens & Northern presently has a consensus price target of $23.50, suggesting a potential upside of 7.45%. Great Southern Bancorp has a consensus price target of $65.00, suggesting a potential downside of 13.07%. Given Citizens & Northern's higher probable upside, analysts clearly believe Citizens & Northern is more favorable than Great Southern 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
Great Southern Bancorp
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 41.7% of Great Southern Bancorp shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by company insiders. Comparatively, 29.8% of Great Southern Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Citizens & Northern has a beta of 0.42, indicating that its stock price is 58% less volatile than the broader market. Comparatively, Great Southern Bancorp has a beta of 0.5, indicating that its stock price is 50% less volatile than the broader market.

In the previous week, Citizens & Northern and Citizens & Northern both had 1 articles in the media. Great Southern Bancorp's average media sentiment score of 1.65 beat Citizens & Northern's score of 0.94 indicating that Great Southern Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens & Northern
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Great Southern Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Great Southern Bancorp has higher revenue and earnings than Citizens & Northern. Great Southern 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
Citizens & Northern$170.03M2.30$23.43M$1.0920.06
Great Southern Bancorp$342.78M2.38$70.97M$6.3111.85

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.1%. Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.3%. 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. Great Southern Bancorp pays out 27.3% of its earnings in the form of a dividend.

Summary

Great Southern Bancorp beats Citizens & Northern on 15 of the 18 factors compared between the two stocks.

How does Citizens & Northern compare to Home Bancorp?

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

Home Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 1.9%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.1%. Home Bancorp pays out 20.8% 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. Home Bancorp has raised its dividend for 10 consecutive years.

49.4% of Home Bancorp shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 6.2% of Home Bancorp shares are owned by insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Home Bancorp$209.23M2.49$46.06M$5.9511.19
Citizens & Northern$170.03M2.30$23.43M$1.0920.06

Home Bancorp has a beta of 0.5, meaning that its share price is 50% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.42, meaning that its share price is 58% 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
Home Bancorp22.18% 10.86% 1.32%
Citizens & Northern 9.67%7.47%0.81%

Home Bancorp presently has a consensus target price of $65.50, suggesting a potential downside of 1.61%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential upside of 7.45%. Given Citizens & Northern's higher probable upside, analysts plainly believe Citizens & Northern is more favorable than Home Bancorp.

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

In the previous week, Home Bancorp had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 2 mentions for Home Bancorp and 1 mentions for Citizens & Northern. Home Bancorp's average media sentiment score of 1.19 beat Citizens & Northern's score of 0.94 indicating that Home Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Home Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens & Northern
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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?

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

Mercantile Bank pays an annual dividend of $1.56 per share and has a dividend yield of 2.9%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.1%. Mercantile Bank pays out 28.0% 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. Mercantile Bank has raised its dividend for 14 consecutive years.

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
Mercantile Bank24.19% 13.73% 1.44%
Citizens & Northern 9.67%7.47%0.81%

58.6% of Mercantile Bank shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 2.5% of Mercantile Bank shares are owned by company insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

In the previous week, Citizens & Northern had 1 more articles in the media than Mercantile Bank. MarketBeat recorded 1 mentions for Citizens & Northern and 0 mentions for Mercantile Bank. Citizens & Northern's average media sentiment score of 0.94 beat Mercantile Bank's score of 0.93 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company Overall Sentiment
Mercantile Bank Positive
Citizens & Northern Positive

Mercantile Bank has a beta of 0.81, suggesting that its share price is 19% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.42, suggesting that its share price is 58% less volatile than the broader market.

Mercantile Bank currently has a consensus price target of $56.20, indicating a potential upside of 3.38%. Citizens & Northern has a consensus price target of $23.50, indicating a potential upside of 7.45%. Given Citizens & Northern's higher possible upside, analysts clearly believe Citizens & Northern is more favorable than Mercantile Bank.

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

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Mercantile Bank$371.80M2.53$88.75M$5.579.76
Citizens & Northern$170.03M2.30$23.43M$1.0920.06

Summary

Mercantile Bank beats Citizens & Northern on 13 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 superior stock? We will compare the two companies based on the strength of their valuation, media sentiment, profitability, dividends, analyst recommendations, institutional ownership, earnings and risk.

MetroCity Bankshares pays an annual dividend of $1.16 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 5.1%. 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.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
MetroCity Bankshares$246.01M3.98$68.53M$2.7712.33
Citizens & Northern$170.03M2.30$23.43M$1.0920.06

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

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 Bankshares28.16% 15.09% 1.79%
Citizens & Northern 9.67%7.47%0.81%

In the previous week, Citizens & Northern had 1 more articles in the media than MetroCity Bankshares. MarketBeat recorded 1 mentions for Citizens & Northern and 0 mentions for MetroCity Bankshares. MetroCity Bankshares' average media sentiment score of 1.89 beat Citizens & Northern's score of 0.94 indicating that MetroCity Bankshares is being referred to more favorably in the media.

Company Overall Sentiment
MetroCity Bankshares Very Positive
Citizens & Northern Positive

MetroCity Bankshares currently has a consensus price target of $33.00, suggesting a potential downside of 3.37%. Citizens & Northern has a consensus price target of $23.50, suggesting a potential upside of 7.45%. Given Citizens & Northern's higher probable upside, analysts clearly 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

MetroCity Bankshares has a beta of 0.71, suggesting that its share price is 29% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.42, suggesting that its share price is 58% less volatile than the broader market.

Summary

MetroCity Bankshares beats Citizens & Northern on 13 of the 18 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.
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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 & NorthernBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$385.03M$1.15B$13.94B$12.35B
Dividend Yield5.21%2.58%5.75%5.66%
P/E Ratio20.0619.0220.1624.26
Price / Sales2.302.62146.07104.28
Price / Cash11.4624.9919.6656.68
Price / Book1.141.232.276.69
Net Income$23.43M$75.93M$1.14B$337.12M
7 Day Performance-0.23%-0.50%1.83%2.13%
1 Month Performance8.00%5.58%3.31%3.61%
1 Year Performance19.70%32.54%13.85%29.76%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
4.0433 of 5 stars
$21.87
+1.8%
$23.50
+7.5%
+18.6%$385.03M$170.03M20.06410
FCBC
First Community Bancshares
2.1 of 5 stars
$43.67
+0.8%
N/A+15.5%$824.05M$185.42M16.48630
GSBC
Great Southern Bancorp
2.5688 of 5 stars
$74.48
+1.3%
$65.00
-12.7%
+34.1%$811.31M$228.72M11.801,075
HBCP
Home Bancorp
3.6681 of 5 stars
$66.13
+0.8%
$65.50
-1.0%
+35.9%$518.66M$151.18M11.11440
MBWM
Mercantile Bank
3.2825 of 5 stars
$53.89
+1.6%
$56.20
+4.3%
+25.5%$930.68M$371.80M9.68670

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This page (NASDAQ:CZNC) was last updated on 6/17/2026 by MarketBeat.com Staff.
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