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Citizens & Northern (CZNC) Competitors

Citizens & Northern logo
$21.74 +0.21 (+0.98%)
Closing price 04:00 PM Eastern
Extended Trading
$21.72 -0.01 (-0.07%)
As of 04:10 PM Eastern
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CZNC vs. FCBC, GSBC, HBCP, MBWM, and MCBS

Should you be buying Citizens & Northern stock or one of its competitors? The main competitors of 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 superior stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, dividends, institutional ownership, risk, profitability, valuation and media sentiment.

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 5.2%. First Community Bancshares pays out 46.8% 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 increased its dividend for 13 consecutive years.

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 large money managers, endowments and hedge funds 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 13.75%. First Community Bancshares' return on equity of 10.53% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
First Community Bancshares25.89% 10.53% 1.66%
Citizens & Northern 13.75%9.79%1.07%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Community Bancshares$185.42M4.42$48.79M$2.6516.20
Citizens & Northern$170.03M2.29$23.43M$1.4814.69

In the previous week, First Community Bancshares had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 4 mentions for First Community Bancshares and 3 mentions for Citizens & Northern. First Community Bancshares' average media sentiment score of 0.67 beat Citizens & Northern's score of -0.18 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
0 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens & Northern
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Citizens & Northern has a consensus price target of $23.50, suggesting a potential upside of 8.10%. Given Citizens & Northern's higher probable 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)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

First Community Bancshares has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.

Summary

First Community Bancshares beats Citizens & Northern on 15 of the 18 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 earnings, institutional ownership, valuation, risk, dividends, profitability, media sentiment and analyst recommendations.

Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.5%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.2%. Great Southern Bancorp pays out 27.3% 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.

41.7% of Great Southern Bancorp shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 29.8% of Great Southern Bancorp 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 will outperform the market over the long term.

Great Southern Bancorp has a net margin of 21.33% compared to Citizens & Northern's net margin of 13.75%. Great Southern Bancorp's return on equity of 11.31% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Great Southern Bancorp21.33% 11.31% 1.24%
Citizens & Northern 13.75%9.79%1.07%

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$342.78M2.23$70.97M$6.3111.04
Citizens & Northern$170.03M2.29$23.43M$1.4814.69

In the previous week, Great Southern Bancorp had 8 more articles in the media than Citizens & Northern. MarketBeat recorded 11 mentions for Great Southern Bancorp and 3 mentions for Citizens & Northern. Great Southern Bancorp's average media sentiment score of 0.97 beat Citizens & Northern's score of -0.18 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
8 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens & Northern
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Great Southern Bancorp presently has a consensus price target of $65.00, suggesting a potential downside of 6.66%. Citizens & Northern has a consensus price target of $23.50, suggesting a potential upside of 8.10%. Given Citizens & Northern's higher possible upside, analysts plainly believe Citizens & Northern is more favorable than Great Southern Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00
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 0.5, meaning that its stock price is 50% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.

Summary

Great Southern Bancorp beats Citizens & Northern on 14 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 better stock? We will contrast the two companies based on the strength of their earnings, institutional ownership, valuation, risk, dividends, profitability, media sentiment and analyst recommendations.

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 5.2%. Home Bancorp pays out 20.8% 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 increased 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 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 will outperform the market over the long term.

Home Bancorp has a net margin of 22.18% compared to Citizens & Northern's net margin of 13.75%. Home Bancorp's return on equity of 11.00% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Home Bancorp22.18% 11.00% 1.33%
Citizens & Northern 13.75%9.79%1.07%

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$209.23M2.39$46.06M$5.9510.74
Citizens & Northern$170.03M2.29$23.43M$1.4814.69

In the previous week, Home Bancorp and Home Bancorp both had 3 articles in the media. Home Bancorp's average media sentiment score of 0.43 beat Citizens & Northern's score of -0.18 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
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Citizens & Northern
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Home Bancorp presently has a consensus price target of $65.50, suggesting a potential upside of 2.49%. Citizens & Northern has a consensus price target of $23.50, suggesting a potential upside of 8.10%. Given Citizens & Northern's higher possible 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
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Home Bancorp has a beta of 0.5, meaning that its stock price is 50% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.

Summary

Home Bancorp beats Citizens & Northern on 15 of the 18 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 superior investment? We will compare the two businesses based on the strength of their earnings, risk, institutional ownership, dividends, profitability, valuation, media sentiment and analyst recommendations.

Mercantile Bank has a net margin of 24.19% compared to Citizens & Northern's net margin of 13.75%. Mercantile Bank's return on equity of 14.06% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Mercantile Bank24.19% 14.06% 1.47%
Citizens & Northern 13.75%9.79%1.07%

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$371.80M2.41$88.75M$5.579.33
Citizens & Northern$170.03M2.29$23.43M$1.4814.69

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 insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers 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 3 mentions for Citizens & Northern and 2 mentions for Mercantile Bank. Mercantile Bank's average media sentiment score of 1.66 beat Citizens & Northern's score of -0.18 indicating that Mercantile Bank is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Mercantile Bank
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Citizens & Northern
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Mercantile Bank pays an annual dividend of $1.56 per share and has a dividend yield of 3.0%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.2%. Mercantile Bank pays out 28.0% 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. Mercantile Bank has increased its dividend for 14 consecutive years.

Mercantile Bank presently has a consensus target price of $56.20, suggesting a potential upside of 8.10%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential upside of 8.10%. Given Mercantile Bank's stronger consensus rating and higher possible upside, equities research analysts plainly believe Mercantile Bank is more favorable than Citizens & Northern.

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

Mercantile Bank has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.

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

MetroCity Bankshares has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.44, indicating that its stock price is 56% less volatile than the S&P 500.

25.3% of MetroCity Bankshares shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 27.5% of MetroCity Bankshares shares are owned by insiders. Comparatively, 4.7% of Citizens & Northern shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

In the previous week, Citizens & Northern had 3 more articles in the media than MetroCity Bankshares. MarketBeat recorded 3 mentions for Citizens & Northern and 0 mentions for MetroCity Bankshares. MetroCity Bankshares' average media sentiment score of 0.24 beat Citizens & Northern's score of -0.18 indicating that MetroCity Bankshares is being referred to more favorably in the media.

Company Overall Sentiment
MetroCity Bankshares Neutral
Citizens & Northern Neutral

MetroCity Bankshares presently has a consensus target price of $33.00, suggesting a potential upside of 2.68%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential upside of 8.10%. 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
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

MetroCity Bankshares has a net margin of 28.16% compared to Citizens & Northern's net margin of 13.75%. MetroCity Bankshares' return on equity of 15.72% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
MetroCity Bankshares28.16% 15.72% 1.87%
Citizens & Northern 13.75%9.79%1.07%

MetroCity Bankshares pays an annual dividend of $1.16 per share and has a dividend yield of 3.6%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.2%. MetroCity Bankshares pays out 41.9% 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.

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$246.01M3.74$68.53M$2.7711.60
Citizens & Northern$170.03M2.29$23.43M$1.4814.69

Summary

MetroCity Bankshares beats Citizens & Northern on 12 of the 17 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$385.61M$1.09B$13.34B$11.77B
Dividend Yield5.20%2.73%5.80%5.26%
P/E Ratio14.6916.8923.2727.07
Price / Sales2.292.29181.7473.47
Price / Cash11.4823.5620.2453.90
Price / Book1.131.173.436.69
Net Income$23.43M$75.56M$1.11B$332.64M
7 Day Performance-8.08%-0.33%0.03%2.01%
1 Month Performance-3.03%4.15%4.66%9.19%
1 Year Performance14.00%24.60%13.62%39.59%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
3.8229 of 5 stars
$21.74
+1.0%
$23.50
+8.1%
N/A$385.61M$170.03M14.69410
FCBC
First Community Bancshares
2.0003 of 5 stars
$43.74
+0.9%
N/AN/A$834.56M$185.42M16.44630
GSBC
Great Southern Bancorp
3.1912 of 5 stars
$68.64
+1.1%
$65.00
-5.3%
N/A$752.50M$228.72M10.881,075
HBCP
Home Bancorp
3.7194 of 5 stars
$63.39
+0.9%
$65.50
+3.3%
N/A$496.85M$151.18M10.65440
MBWM
Mercantile Bank
3.9131 of 5 stars
$51.97
+1.4%
$56.20
+8.1%
N/A$897.52M$371.80M9.33670

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