QQQ   359.75 (+1.36%)
AAPL   173.66 (+0.73%)
MSFT   318.96 (+1.77%)
META   305.58 (+1.54%)
GOOGL   135.24 (+2.12%)
AMZN   127.00 (+1.83%)
TSLA   261.16 (+5.93%)
NVDA   440.41 (+1.20%)
NIO   8.83 (+2.56%)
BABA   84.05 (-0.58%)
AMD   104.07 (+3.99%)
T   14.65 (-0.88%)
F   11.98 (-0.75%)
MU   68.11 (+0.41%)
CGC   0.75 (+10.25%)
GE   108.85 (+1.01%)
DIS   79.30 (-0.30%)
AMC   8.34 (+6.24%)
PFE   33.29 (-1.80%)
PYPL   58.57 (+2.22%)
NFLX   376.90 (+0.04%)
QQQ   359.75 (+1.36%)
AAPL   173.66 (+0.73%)
MSFT   318.96 (+1.77%)
META   305.58 (+1.54%)
GOOGL   135.24 (+2.12%)
AMZN   127.00 (+1.83%)
TSLA   261.16 (+5.93%)
NVDA   440.41 (+1.20%)
NIO   8.83 (+2.56%)
BABA   84.05 (-0.58%)
AMD   104.07 (+3.99%)
T   14.65 (-0.88%)
F   11.98 (-0.75%)
MU   68.11 (+0.41%)
CGC   0.75 (+10.25%)
GE   108.85 (+1.01%)
DIS   79.30 (-0.30%)
AMC   8.34 (+6.24%)
PFE   33.29 (-1.80%)
PYPL   58.57 (+2.22%)
NFLX   376.90 (+0.04%)
QQQ   359.75 (+1.36%)
AAPL   173.66 (+0.73%)
MSFT   318.96 (+1.77%)
META   305.58 (+1.54%)
GOOGL   135.24 (+2.12%)
AMZN   127.00 (+1.83%)
TSLA   261.16 (+5.93%)
NVDA   440.41 (+1.20%)
NIO   8.83 (+2.56%)
BABA   84.05 (-0.58%)
AMD   104.07 (+3.99%)
T   14.65 (-0.88%)
F   11.98 (-0.75%)
MU   68.11 (+0.41%)
CGC   0.75 (+10.25%)
GE   108.85 (+1.01%)
DIS   79.30 (-0.30%)
AMC   8.34 (+6.24%)
PFE   33.29 (-1.80%)
PYPL   58.57 (+2.22%)
NFLX   376.90 (+0.04%)
QQQ   359.75 (+1.36%)
AAPL   173.66 (+0.73%)
MSFT   318.96 (+1.77%)
META   305.58 (+1.54%)
GOOGL   135.24 (+2.12%)
AMZN   127.00 (+1.83%)
TSLA   261.16 (+5.93%)
NVDA   440.41 (+1.20%)
NIO   8.83 (+2.56%)
BABA   84.05 (-0.58%)
AMD   104.07 (+3.99%)
T   14.65 (-0.88%)
F   11.98 (-0.75%)
MU   68.11 (+0.41%)
CGC   0.75 (+10.25%)
GE   108.85 (+1.01%)
DIS   79.30 (-0.30%)
AMC   8.34 (+6.24%)
PFE   33.29 (-1.80%)
PYPL   58.57 (+2.22%)
NFLX   376.90 (+0.04%)
NASDAQ:CZNC

Citizens & Northern (CZNC) Competitors

$17.84
+0.32 (+1.83%)
(As of 10/4/2023 ET)
Compare
Today's Range
$17.45
$17.98
50-Day Range
$17.10
$21.59
52-Week Range
$16.71
$25.20
Volume
14,810 shs
Average Volume
24,163 shs
Market Capitalization
$272.24 million
P/E Ratio
11.29
Dividend Yield
6.28%
Price Target
$23.50

CZNC vs. WTBA, BSRR, BMRC, MOFG, EBTC, CFFI, CCNE, PWOD, THFF, and CPF

Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include West Bancorporation (WTBA), Sierra Bancorp (BSRR), Bank of Marin Bancorp (BMRC), MidWestOne Financial Group (MOFG), Enterprise Bancorp (EBTC), C&F Financial (CFFI), CNB Financial (CCNE), Penns Woods Bancorp (PWOD), First Financial (THFF), and Central Pacific Financial (CPF). These companies are all part of the "regional banks" industry.

Citizens & Northern vs.

West Bancorporation (NASDAQ:WTBA) 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 analyst recommendations, community ranking, institutional ownership, media sentiment, earnings, dividends, profitability, valuation and risk.

In the previous week, West Bancorporation and West Bancorporation both had 1 articles in the media. Citizens & Northern's average media sentiment score of 1.28 beat West Bancorporation's score of 0.50 indicating that West Bancorporation is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
West Bancorporation
0 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

West Bancorporation has a beta of 0.91, meaning that its share price is 9% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.

West Bancorporation currently has a consensus price target of $21.50, indicating a potential upside of 35.22%. Citizens & Northern has a consensus price target of $23.50, indicating a potential upside of 32.47%. Given Citizens & Northern's higher probable upside, equities research analysts clearly believe West Bancorporation is more favorable than Citizens & Northern.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
West Bancorporation
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
N/A
Citizens & Northern
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

West Bancorporation has higher revenue and earnings than Citizens & Northern. West Bancorporation 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
West Bancorporation$133.56M2.00$46.40M$2.047.84
Citizens & Northern$117.06M2.31$26.62M$1.5811.23

West Bancorporation pays an annual dividend of $1.00 per share and has a dividend yield of 6.3%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 6.3%. West Bancorporation pays out 49.0% of its earnings in the form of a dividend. Citizens & Northern pays out 70.9% 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. West Bancorporation has raised its dividend for 2 consecutive years.

Citizens & Northern received 51 more outperform votes than West Bancorporation when rated by MarketBeat users. Likewise, 54.64% of users gave Citizens & Northern an outperform vote while only 47.37% of users gave West Bancorporation an outperform vote.

CompanyUnderperformOutperform
West BancorporationOutperform Votes
108
47.37%
Underperform Votes
120
52.63%
Citizens & NorthernOutperform Votes
159
54.64%
Underperform Votes
132
45.36%

43.8% of West Bancorporation shares are held by institutional investors. Comparatively, 29.1% of Citizens & Northern shares are held by institutional investors. 4.1% of West Bancorporation shares are held by insiders. Comparatively, 3.7% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

West Bancorporation has a net margin of 22.13% compared to West Bancorporation's net margin of 19.15%. Citizens & Northern's return on equity of 16.23% beat West Bancorporation's return on equity.

Company Net Margins Return on Equity Return on Assets
West Bancorporation22.13% 16.23% 0.95%
Citizens & Northern 19.15%9.87%1.00%

Summary

West Bancorporation beats Citizens & Northern on 12 of the 18 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.

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.
Skip Chart

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.
Skip Chart

CZNC vs. The Competition

MetricCitizens & NorthernState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$270.71M$2.01B$6.62B$6.27B
Dividend Yield6.43%31.98%14.45%7.86%
P/E Ratio11.237.4462.7211.44
Price / Sales2.312.123,558.7152.13
Price / Cash8.906.4334.03105.65
Price / Book1.100.971.984.53
Net Income$26.62M$400.36M$726.29M$181.51M
7 Day Performance0.62%-1.38%-1.49%-2.25%
1 Month Performance-3.11%-7.69%-2.00%-9.33%
1 Year Performance-26.36%-19.51%0.67%-1.01%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
WTBA
West Bancorporation
1.6111 of 5 stars
$15.81
-2.2%
$21.50
+36.0%
-24.9%$264.50M$133.56M7.75173News Coverage
BSRR
Sierra Bancorp
2.9622 of 5 stars
$18.57
-1.3%
$22.33
+20.3%
-7.0%$275.02M$152.59M7.80501Short Interest ↓
Analyst Revision
BMRC
Bank of Marin Bancorp
2.6204 of 5 stars
$17.90
-1.6%
$25.25
+41.1%
-41.6%$288.55M$140.95M7.34317Positive News
MOFG
MidWestOne Financial Group
2.7737 of 5 stars
$20.15
-0.7%
$30.00
+48.9%
-28.5%$316.15M$244.28M7.30784
EBTC
Enterprise Bancorp
2.0763 of 5 stars
$27.25
-0.7%
N/A-11.6%$333.54M$179.38M7.45554News Coverage
CFFI
C&F Financial
1.6376 of 5 stars
$51.88
-1.6%
N/A-3.9%$175.87M$129.84M6.09613
CCNE
CNB Financial
3.0448 of 5 stars
$17.71
-1.4%
$24.00
+35.5%
-25.6%$371.91M$248.50M6.02722Positive News
PWOD
Penns Woods Bancorp
2.4989 of 5 stars
$20.94
-1.6%
N/A-9.5%$148.05M$73.64M8.02302
THFF
First Financial
2.8186 of 5 stars
$33.40
-1.5%
N/A-26.9%$400.13M$230.02M6.04900Positive News
CPF
Central Pacific Financial
2.4963 of 5 stars
$15.73
-2.1%
$22.00
+39.9%
-24.5%$425.34M$280.58M6.34735

Related Companies and Tools

This page (NASDAQ:CZNC) was last updated on 10/4/2023 by MarketBeat.com Staff

My Account -