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Citizens & Northern (CZNC) Competitors

Citizens & Northern logo
$26.11 0.00 (0.00%)
As of 09/4/2026 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?

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

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
Citizens & Northern13.28% 9.54% 1.04%
Camden National 23.64%12.59%1.27%

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
Citizens & Northern$170.03M2.75$23.43M$1.4817.64
Camden National$373.18M2.63$65.16M$5.2211.14

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 77.4% of Camden National shares are owned by institutional investors. 4.7% of Citizens & Northern shares are owned by insiders. Comparatively, 2.1% of Camden National shares are owned by 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.

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Camden National pays an annual dividend of $1.68 per share and has a dividend yield of 2.9%. 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. Camden National pays out 32.2% of its earnings in the form of a dividend.

Citizens & Northern presently has a consensus price target of $23.50, indicating a potential downside of 10.00%. Camden National has a consensus price target of $55.25, indicating a potential downside of 5.02%. 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
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
Camden National
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

In the previous week, Citizens & Northern had 1 more articles in the media than Camden National. MarketBeat recorded 4 mentions for Citizens & Northern and 3 mentions for Camden National. Citizens & Northern's average media sentiment score of 1.12 beat Camden National's score of 1.11 indicating that Citizens & Northern is being referred to more favorably in the media.

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

Citizens & Northern has a beta of 0.4, meaning that its share price is 60% less volatile than the broader market. Comparatively, Camden National has a beta of 0.54, meaning that its share price is 46% less volatile than the broader market.

Summary

Camden National beats Citizens & Northern on 12 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 contrast the two companies based on the strength of their earnings, dividends, media sentiment, risk, valuation, profitability, analyst recommendations and institutional ownership.

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$185.42M5.01$48.79M$3.1715.49
Citizens & Northern$170.03M2.75$23.43M$1.4817.64

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.

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 endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

First Community Bancshares has a beta of 0.47, suggesting that its stock price is 53% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, suggesting that its stock price is 60% less volatile than the broader market.

Citizens & Northern has a consensus price target of $23.50, suggesting a potential downside of 10.00%. 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

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%

In the previous week, Citizens & Northern had 4 more articles in the media than First Community Bancshares. MarketBeat recorded 4 mentions for Citizens & Northern and 0 mentions for First Community Bancshares. First Community Bancshares' average media sentiment score of 1.38 beat Citizens & Northern's score of 1.12 indicating that First Community Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
First Community Bancshares Positive
Citizens & Northern Positive

Summary

First Community Bancshares beats Citizens & Northern on 13 of the 18 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 superior business? We will compare the two companies based on the strength of their earnings, profitability, media sentiment, analyst recommendations, institutional ownership, risk, valuation and dividends.

In the previous week, First Mid Bancshares and First Mid Bancshares both had 4 articles in the media. First Mid Bancshares' average media sentiment score of 1.70 beat Citizens & Northern's score of 1.12 indicating that First Mid Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Mid Bancshares
4 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
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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
First Mid Bancshares$466.04M2.93$91.75M$4.0312.74
Citizens & Northern$170.03M2.75$23.43M$1.4817.64

First Mid Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.0%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. First Mid Bancshares pays out 25.8% 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 Mid Bancshares has raised its dividend for 3 consecutive years.

First Mid Bancshares currently has a consensus price target of $54.63, indicating a potential upside of 6.42%. Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 10.00%. 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
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

47.6% of First Mid Bancshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 6.0% of First Mid 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, hedge funds and endowments believe a stock is poised for long-term growth.

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

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
First Mid Bancshares19.76% 10.86% 1.29%
Citizens & Northern 13.28%9.54%1.04%

Summary

First Mid Bancshares beats Citizens & Northern on 16 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 businesses based on the strength of their profitability, dividends, earnings, media sentiment, valuation, risk, analyst recommendations and institutional ownership.

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 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 stock will outperform the market over the long term.

Great Southern Bancorp currently has a consensus price target of $74.00, indicating a potential downside of 7.78%. Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 10.00%. Given Great Southern Bancorp's stronger consensus rating and higher possible upside, research 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 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$342.78M2.55$70.97M$6.0213.33
Citizens & Northern$170.03M2.75$23.43M$1.4817.64

Great Southern Bancorp has a beta of 0.48, suggesting that its stock price is 52% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, suggesting that its stock price is 60% less volatile than the broader market.

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.

In the previous week, Citizens & Northern had 2 more articles in the media than Great Southern Bancorp. MarketBeat recorded 4 mentions for Citizens & Northern and 2 mentions for Great Southern Bancorp. Great Southern Bancorp's average media sentiment score of 1.90 beat Citizens & Northern's score of 1.12 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
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
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Great Southern Bancorp beats Citizens & Northern on 13 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 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 pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Home Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 1.8%. 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 pays out 21.4% of its earnings in the form of a dividend. Home Bancorp has increased its dividend for 10 consecutive years.

Citizens & Northern has a beta of 0.4, meaning that its share price is 60% less volatile than the broader market. Comparatively, Home Bancorp has a beta of 0.49, meaning that its share price is 51% less volatile than the broader market.

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
Citizens & Northern13.28% 9.54% 1.04%
Home Bancorp 22.23%10.65%1.32%

Citizens & Northern currently has a consensus price target of $23.50, suggesting a potential downside of 10.00%. Home Bancorp has a consensus price target of $69.50, suggesting a potential downside of 1.22%. Given Home Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Home Bancorp 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
Home Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

In the previous week, Citizens & Northern had 1 more articles in the media than Home Bancorp. MarketBeat recorded 4 mentions for Citizens & Northern and 3 mentions for Home Bancorp. Citizens & Northern's average media sentiment score of 1.12 beat Home Bancorp's score of 0.88 indicating that Citizens & Northern is being referred to more favorably in the media.

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

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
Citizens & Northern$170.03M2.75$23.43M$1.4817.64
Home Bancorp$209.23M2.64$46.06M$5.9811.77

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

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$468.28M$24.22B$14.24B$12.91B
Dividend Yield4.29%3.14%5.89%9.13%
P/E Ratio17.6427.3326.2425.43
Price / Sales2.759.49515.1195.06
Price / Cash13.9316.3730.8435.62
Price / Book1.361.402.806.39
Net Income$23.43M$2.58B$1.32B$358.69M
7 Day Performance3.04%1.56%4.03%0.22%
1 Month Performance2.96%1.16%1.55%-0.10%
1 Year Performance29.45%24.38%11.15%14.04%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
4.2521 of 5 stars
$26.11
flat
$23.50
-10.0%
+29.4%$468.28M$170.03M17.64410
CAC
Camden National
2.5858 of 5 stars
$56.17
-0.5%
$55.25
-1.6%
+43.4%$954.34M$373.18M10.76620
FCBC
First Community Bancshares
2.8565 of 5 stars
$48.12
-0.8%
N/A+30.7%$916.95M$166.54M15.18630
FMBH
First Mid Bancshares
3.1798 of 5 stars
$49.79
+0.1%
$54.63
+9.7%
+27.9%$1.32B$466.04M12.351,170
GSBC
Great Southern Bancorp
2.0026 of 5 stars
$77.98
-0.4%
$74.00
-5.1%
+26.4%$852.95M$342.78M12.951,075

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This page (NASDAQ:CZNC) was last updated on 9/7/2026 by MarketBeat.com Staff.
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