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Citizens & Northern (CZNC) Competitors

Citizens & Northern logo
$25.99 +0.01 (+0.04%)
As of 04:00 PM Eastern

CZNC vs. CAC, FCBC, FMBH, GSBC, and HBCP

Should you buy Citizens & Northern stock or one of its competitors? Citizens & Northern's main competitors and comparable companies include Camden National (CAC), First Community Bancshares (FCBC), First Mid Bancshares (FMBH), Great Southern Bancorp (GSBC), and Home Bancorp (HBCP). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Citizens & Northern compare to Camden National?

Camden National (NASDAQ:CAC) 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 dividends, institutional ownership, valuation, analyst recommendations, media sentiment, risk, earnings and profitability.

77.4% of Camden National shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 2.1% of Camden National 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 is poised for long-term growth.

Camden National pays an annual dividend of $1.68 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 4.3%. Camden National pays out 32.2% of its earnings in the form of a dividend. Citizens & Northern pays out 75.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Camden National presently has a consensus target price of $55.25, suggesting a potential downside of 5.36%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential downside of 9.58%. Given Camden National's stronger consensus rating and higher probable upside, analysts clearly believe Camden National is more favorable than Citizens & Northern.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Camden National
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Camden National has a beta of 0.55, indicating that its stock price is 45% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, indicating that its stock price is 60% less volatile than the broader market.

In the previous week, Citizens & Northern had 2 more articles in the media than Camden National. MarketBeat recorded 3 mentions for Citizens & Northern and 1 mentions for Camden National. Camden National's average media sentiment score of 1.89 beat Citizens & Northern's score of 1.08 indicating that Camden National is being referred to more favorably in the media.

Company Overall Sentiment
Camden National Very Positive
Citizens & Northern Positive

Camden National has higher revenue and earnings than Citizens & Northern. Camden National 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
Camden National$373.18M2.64$65.16M$5.2211.18
Citizens & Northern$170.03M2.74$23.43M$1.4817.56

Camden National has a net margin of 23.64% compared to Citizens & Northern's net margin of 13.28%. Camden National's return on equity of 12.59% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Camden National23.64% 12.59% 1.27%
Citizens & Northern 13.28%9.54%1.04%

Summary

Camden National beats Citizens & Northern on 13 of the 18 factors compared between the two stocks.

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 compare the two businesses based on the strength of their profitability, earnings, analyst recommendations, valuation, institutional ownership, dividends, risk and media sentiment.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Community Bancshares$185.42M5.02$48.79M$3.1715.51
Citizens & Northern$170.03M2.74$23.43M$1.4817.56

First Community Bancshares has a net margin of 28.84% compared to Citizens & Northern's net margin of 13.28%. First Community Bancshares' return on equity of 10.67% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
First Community Bancshares28.84% 10.67% 1.61%
Citizens & Northern 13.28%9.54%1.04%

Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 9.58%. Given Citizens & Northern's higher possible upside, analysts clearly 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)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

35.0% of First Community Bancshares shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 3.7% of First Community Bancshares 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 hedge funds, endowments and large money managers believe a company is poised for long-term growth.

First Community Bancshares pays an annual dividend of $1.32 per share and has a dividend yield of 2.7%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. First Community Bancshares pays out 41.6% of its earnings in the form of a dividend. Citizens & Northern pays out 75.7% 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 raised its dividend for 13 consecutive years.

First Community Bancshares has a beta of 0.48, indicating that its stock price is 52% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, indicating that its stock price is 60% less volatile than the broader market.

In the previous week, First Community Bancshares and First Community Bancshares both had 3 articles in the media. First Community Bancshares' average media sentiment score of 1.21 beat Citizens & Northern's score of 1.08 indicating that First Community Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Community Bancshares
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)
2 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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?

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

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. First Mid Bancshares pays an annual dividend of $1.00 per share and has a dividend yield of 1.9%. Citizens & Northern pays out 75.7% 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 pays out 24.8% of its earnings in the form of a dividend. First Mid Bancshares has raised its dividend for 3 consecutive years.

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by insiders. Comparatively, 6.0% of First Mid Bancshares 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.

First Mid Bancshares has a net margin of 19.76% compared to Citizens & Northern's net margin of 13.28%. First Mid Bancshares' return on equity of 10.86% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern13.28% 9.54% 1.04%
First Mid Bancshares 19.76%10.86%1.29%

Citizens & Northern presently has a consensus price target of $23.50, suggesting a potential downside of 9.58%. First Mid Bancshares has a consensus price target of $54.63, suggesting a potential upside of 5.15%. Given First Mid Bancshares' stronger consensus rating and higher possible upside, analysts clearly believe First Mid Bancshares is more favorable than Citizens & Northern.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
First Mid Bancshares
0 Sell rating(s)
3 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

Citizens & Northern has a beta of 0.4, suggesting that its share price is 60% less volatile than the broader market. Comparatively, First Mid Bancshares has a beta of 0.78, suggesting that its share price is 22% less volatile than the broader market.

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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens & Northern$170.03M2.74$23.43M$1.4817.56
First Mid Bancshares$466.04M2.97$91.75M$4.0312.89

In the previous week, Citizens & Northern had 2 more articles in the media than First Mid Bancshares. MarketBeat recorded 3 mentions for Citizens & Northern and 1 mentions for First Mid Bancshares. First Mid Bancshares' average media sentiment score of 1.89 beat Citizens & Northern's score of 1.08 indicating that First Mid Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
Citizens & Northern Positive
First Mid Bancshares Very Positive

Summary

First Mid Bancshares beats Citizens & Northern on 16 of the 19 factors compared between the two stocks.

How does Citizens & Northern compare to Great Southern Bancorp?

Great Southern Bancorp (NASDAQ:GSBC) 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, risk, dividends, analyst recommendations, earnings, media sentiment, institutional ownership and profitability.

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

In the previous week, Great Southern Bancorp and Great Southern Bancorp both had 3 articles in the media. Great Southern Bancorp's average media sentiment score of 1.15 beat Citizens & Northern's score of 1.08 indicating that Great Southern Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Great Southern 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)
2 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.1%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Great Southern Bancorp pays out 28.6% of its earnings in the form of a dividend. Citizens & Northern pays out 75.7% 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 has a net margin of 20.72% compared to Citizens & Northern's net margin of 13.28%. Great Southern Bancorp's return on equity of 10.83% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Great Southern Bancorp20.72% 10.83% 1.22%
Citizens & Northern 13.28%9.54%1.04%

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
Great Southern Bancorp$342.78M2.56$70.97M$6.0213.35
Citizens & Northern$170.03M2.74$23.43M$1.4817.56

Great Southern Bancorp currently has a consensus price target of $74.00, indicating a potential downside of 7.95%. Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 9.58%. Given Great Southern Bancorp's stronger consensus rating and higher possible upside, equities analysts plainly believe Great Southern Bancorp is more favorable than Citizens & Northern.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Great Southern Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, indicating that its stock price is 60% less volatile than the broader market.

Summary

Great Southern Bancorp beats Citizens & Northern on 13 of the 16 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 better investment? We will contrast the two businesses based on the strength of their earnings, profitability, dividends, risk, valuation, analyst recommendations, media sentiment and institutional ownership.

Home Bancorp has a net margin of 22.23% compared to Citizens & Northern's net margin of 13.28%. Home Bancorp's return on equity of 10.65% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Home Bancorp22.23% 10.65% 1.32%
Citizens & Northern 13.28%9.54%1.04%

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 0.4, meaning that its share price is 60% less volatile than the broader market.

Home Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 1.8%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Home Bancorp pays out 21.4% of its earnings in the form of a dividend. Citizens & Northern pays out 75.7% 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.

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$209.23M2.69$46.06M$5.9812.02
Citizens & Northern$170.03M2.74$23.43M$1.4817.56

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

Home Bancorp presently has a consensus target price of $69.50, indicating a potential downside of 3.27%. Citizens & Northern has a consensus target price of $23.50, indicating a potential downside of 9.58%. Given Home Bancorp's stronger consensus rating and higher possible upside, equities analysts clearly believe Home Bancorp is more favorable than Citizens & Northern.

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
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

In the previous week, Citizens & Northern had 1 more articles in the media than Home Bancorp. MarketBeat recorded 3 mentions for Citizens & Northern and 2 mentions for Home Bancorp. Citizens & Northern's average media sentiment score of 1.08 beat Home Bancorp's score of 0.94 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Home Bancorp
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)
2 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Home Bancorp beats Citizens & Northern on 14 of the 19 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$465.95M$23.93B$14.11B$13.06B
Dividend Yield4.31%3.14%5.87%10.62%
P/E Ratio17.5627.7127.8721.75
Price / Sales2.749.49519.3094.07
Price / Cash13.8516.3530.4238.47
Price / Book1.351.402.846.51
Net Income$23.43M$2.58B$1.31B$347.22M
7 Day Performance2.65%1.02%0.64%1.51%
1 Month Performance11.35%2.88%1.58%2.74%
1 Year Performance36.00%27.65%11.85%21.07%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
3.7057 of 5 stars
$25.99
+0.0%
$23.50
-9.6%
+35.9%$465.95M$170.03M17.56410
CAC
Camden National
3.5577 of 5 stars
$58.09
+1.2%
$55.25
-4.9%
+51.8%$969.55M$373.18M11.13620
FCBC
First Community Bancshares
3.0709 of 5 stars
$48.56
+1.7%
N/A+37.4%$902.78M$185.42M15.32630
FMBH
First Mid Bancshares
3.4675 of 5 stars
$51.64
+1.0%
$54.63
+5.8%
+38.4%$1.36B$466.04M12.811,170
GSBC
Great Southern Bancorp
1.9088 of 5 stars
$80.32
+0.1%
$74.00
-7.9%
+37.9%$874.31M$342.78M13.341,075

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This page (NASDAQ:CZNC) was last updated on 8/17/2026 by MarketBeat.com Staff.
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