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Citizens & Northern (CZNC) Competitors

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$25.09 +0.49 (+2.00%)
As of 03:17 PM Eastern
This is a fair market value price provided by Massive. Learn more.

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

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 Camden National (CAC), First Community Bancshares (FCBC), Great Southern Bancorp (GSBC), Home Bancorp (HBCP), and Mercantile Bank (MBWM). These companies are all part of the "finance" sector.

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

Camden National has a beta of 0.55, indicating that its share price is 45% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.41, indicating that its share price is 59% less volatile than the broader market.

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

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$373.18M2.65$65.16M$4.7012.44
Citizens & Northern$140.31M3.20$23.43M$1.0923.02

Camden National has a net margin of 21.32% compared to Citizens & Northern's net margin of 9.67%. Camden National's return on equity of 11.78% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Camden National21.32% 11.78% 1.16%
Citizens & Northern 9.67%7.47%0.81%

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 4.5%. Camden National pays out 35.7% 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.

Camden National currently has a consensus price target of $52.75, indicating a potential downside of 9.74%. Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 6.34%. Given Citizens & Northern's higher probable upside, analysts plainly believe Citizens & Northern is more favorable than Camden National.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Camden National
0 Sell rating(s)
4 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.33
Citizens & Northern
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, Camden National had 3 more articles in the media than Citizens & Northern. MarketBeat recorded 9 mentions for Camden National and 6 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 0.76 beat Camden National's score of 0.76 indicating that Citizens & Northern is being referred to more favorably in the news media.

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

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 stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, media sentiment, earnings, dividends, profitability, valuation and risk.

First Community Bancshares pays an annual dividend of $1.24 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 4.5%. First Community Bancshares pays out 39.1% 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 raised its dividend for 13 consecutive years.

First Community Bancshares has a net margin of 28.84% compared to Citizens & Northern's net margin of 9.67%. First Community Bancshares' return on equity of 10.82% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
First Community Bancshares28.84% 10.82% 1.64%
Citizens & Northern 9.67%7.47%0.81%

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$185.42M4.96$48.79M$3.1715.39
Citizens & Northern$140.31M3.20$23.43M$1.0923.02

First Community Bancshares has a beta of 0.48, indicating that its share price is 52% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.41, indicating that its share price is 59% less volatile than the broader market.

Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 6.34%. 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)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, First Community Bancshares had 4 more articles in the media than Citizens & Northern. MarketBeat recorded 10 mentions for First Community Bancshares and 6 mentions for Citizens & Northern. First Community Bancshares' average media sentiment score of 0.99 beat Citizens & Northern's score of 0.76 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
2 Very Positive mention(s)
3 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens & Northern
1 Very Positive mention(s)
2 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

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 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 stock is poised for long-term growth.

Summary

First Community Bancshares beats Citizens & Northern on 15 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 compare the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, media sentiment, risk and dividends.

In the previous week, Citizens & Northern had 3 more articles in the media than Great Southern Bancorp. MarketBeat recorded 6 mentions for Citizens & Northern and 3 mentions for Great Southern Bancorp. Great Southern Bancorp's average media sentiment score of 1.90 beat Citizens & Northern's score of 0.76 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
1 Very Positive mention(s)
2 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
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

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

Great Southern Bancorp has a net margin of 20.72% compared to Citizens & Northern's net margin of 9.67%. Great Southern Bancorp's return on equity of 10.86% 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 20.72%10.86%1.21%

Citizens & Northern currently has a consensus price target of $23.50, suggesting a potential downside of 6.34%. Great Southern Bancorp has a consensus price target of $74.00, suggesting a potential downside of 8.25%. Given Citizens & Northern's higher possible upside, research 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
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Great Southern Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

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$140.31M3.20$23.43M$1.0923.02
Great Southern Bancorp$342.78M2.56$70.97M$6.0213.40

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.5%. Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.1%. 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 28.6% of its earnings in the form of a dividend.

Citizens & Northern has a beta of 0.41, indicating that its share price is 59% less volatile than the broader market. Comparatively, Great Southern Bancorp has a beta of 0.49, indicating that its share price is 51% less volatile than the broader market.

Summary

Great Southern Bancorp beats Citizens & Northern on 13 of the 18 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 investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, risk, analyst recommendations, media sentiment, profitability, valuation and dividends.

In the previous week, Citizens & Northern had 1 more articles in the media than Home Bancorp. MarketBeat recorded 6 mentions for Citizens & Northern and 5 mentions for Home Bancorp. Home Bancorp's average media sentiment score of 0.92 beat Citizens & Northern's score of 0.76 indicating that Home Bancorp is being referred to more favorably in the news media.

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

Citizens & Northern has a beta of 0.41, indicating that its stock price is 59% less volatile than the broader market. Comparatively, Home Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the broader market.

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$140.31M3.20$23.43M$1.0923.02
Home Bancorp$209.23M2.68$46.06M$5.9811.98

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

Citizens & Northern currently has a consensus target price of $23.50, indicating a potential downside of 6.34%. Home Bancorp has a consensus target price of $69.50, indicating a potential downside of 2.98%. Given Home Bancorp's stronger consensus rating and higher probable upside, analysts plainly 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)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Home Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

Home Bancorp has a net margin of 22.23% compared to Citizens & Northern's net margin of 9.67%. Home Bancorp's return on equity of 10.77% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern9.67% 7.47% 0.81%
Home Bancorp 22.23%10.77%1.33%

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.5%. Home Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 1.7%. 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 pays out 20.7% of its earnings in the form of a dividend. Home Bancorp has increased its dividend for 10 consecutive years.

Summary

Home Bancorp beats Citizens & Northern on 16 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 companies based on the strength of their dividends, media sentiment, valuation, institutional ownership, earnings, profitability, risk and analyst recommendations.

Mercantile Bank pays an annual dividend of $1.60 per share and has a dividend yield of 2.6%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.5%. Mercantile Bank pays out 28.2% 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.

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

Mercantile Bank currently has a consensus target price of $60.40, indicating a potential upside of 0.00%. Citizens & Northern has a consensus target price of $23.50, indicating a potential downside of 6.34%. 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)
4 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.43
Citizens & Northern
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

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$260.81M4.00$88.75M$5.6810.63
Citizens & Northern$140.31M3.20$23.43M$1.0923.02

Mercantile Bank has a beta of 0.8, meaning that its stock price is 20% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.41, meaning that its stock price is 59% less volatile than the broader market.

Mercantile Bank has a net margin of 24.75% compared to Citizens & Northern's net margin of 9.67%. Mercantile Bank's return on equity of 13.90% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Mercantile Bank24.75% 13.90% 1.47%
Citizens & Northern 9.67%7.47%0.81%

In the previous week, Mercantile Bank had 10 more articles in the media than Citizens & Northern. MarketBeat recorded 16 mentions for Mercantile Bank and 6 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 0.76 beat Mercantile Bank's score of 0.75 indicating that Citizens & Northern is being referred to more favorably in the news media.

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

Summary

Mercantile Bank beats Citizens & Northern on 15 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$451.42M$1.23B$14.62B$12.15B
Dividend Yield4.82%2.47%5.72%9.43%
P/E Ratio23.1123.0820.8523.76
Price / Sales3.202.8644.8774.59
Price / Cash12.9924.9419.2546.67
Price / Book1.311.342.276.09
Net Income$23.43M$75.93M$1.14B$331.80M
7 Day Performance7.32%2.39%0.64%-2.18%
1 Month Performance6.82%3.39%1.21%-3.34%
1 Year Performance29.01%31.01%13.67%13.40%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
3.6669 of 5 stars
$25.09
+2.0%
$23.50
-6.3%
+28.0%$451.42M$140.31M23.11410
CAC
Camden National
3.0742 of 5 stars
$54.23
-0.1%
$52.75
-2.7%
+33.1%$918.13M$373.18M11.54620
FCBC
First Community Bancshares
3.1787 of 5 stars
$44.63
0.0%
N/A+22.9%$842.49M$185.42M16.84630
GSBC
Great Southern Bancorp
2.3955 of 5 stars
$78.71
+0.7%
$74.00
-6.0%
+33.6%$851.20M$342.78M13.071,075
HBCP
Home Bancorp
4.1384 of 5 stars
$68.80
+0.6%
$65.50
-4.8%
+29.0%$536.20M$209.23M11.51440

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This page (NASDAQ:CZNC) was last updated on 7/28/2026 by MarketBeat.com Staff.
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