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Citizens & Northern (CZNC) Competitors

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$28.06 -0.10 (-0.34%)
As of 10:03 AM Eastern
This is a fair market value price provided by Massive. Learn more.

CZNC vs. CAC, FCBC, FMBH, MBWM, and MCBS

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), Mercantile Bank (MBWM), and MetroCity Bankshares (MCBS). 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 superior stock? We will compare the two businesses based on the strength of their institutional ownership, media sentiment, analyst recommendations, dividends, profitability, valuation, risk and earnings.

Camden National has a net margin of 24.16% compared to Citizens & Northern's net margin of 17.41%. Camden National's return on equity of 12.66% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Camden National24.16% 12.66% 1.29%
Citizens & Northern 17.41%11.86%1.29%

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$373.18M2.68$65.16M$5.3111.15
Citizens & Northern$150.20M3.36$23.43M$1.4819.02

Camden National currently has a consensus price target of $57.50, suggesting a potential downside of 2.89%. Citizens & Northern has a consensus price target of $23.50, suggesting a potential downside of 16.52%. Given Camden National's higher possible upside, equities research 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
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17
Citizens & Northern
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

77.4% of Camden National shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 2.1% of Camden National 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 will outperform the market over the long term.

Camden National pays an annual dividend of $1.68 per share and has a dividend yield of 2.8%. Citizens & Northern pays an annual dividend of $1.20 per share and has a dividend yield of 4.3%. Camden National pays out 31.6% of its earnings in the form of a dividend. Citizens & Northern pays out 81.1% 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, Camden National had 7 more articles in the media than Citizens & Northern. MarketBeat recorded 10 mentions for Camden National and 3 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.27 beat Camden National's score of 0.97 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company Overall Sentiment
Camden National Positive
Citizens & Northern Positive

Camden National has a beta of 0.58, meaning that its stock price is 42% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.39, meaning that its stock price is 61% less volatile than the broader market.

Summary

Camden National beats Citizens & Northern on 11 of the 17 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 superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, risk, media sentiment, earnings and valuation.

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$185.42M4.62$48.79M$3.3113.68
Citizens & Northern$150.20M3.36$23.43M$1.4819.02

First Community Bancshares has a net margin of 29.48% compared to Citizens & Northern's net margin of 17.41%. Citizens & Northern's return on equity of 11.86% beat First Community Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
First Community Bancshares29.48% 10.85% 1.61%
Citizens & Northern 17.41%11.86%1.29%

First Community Bancshares pays an annual dividend of $1.32 per share and has a dividend yield of 2.9%. Citizens & Northern pays an annual dividend of $1.20 per share and has a dividend yield of 4.3%. First Community Bancshares pays out 39.9% of its earnings in the form of a dividend. Citizens & Northern pays out 81.1% 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 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 is poised for long-term growth.

Citizens & Northern has a consensus target price of $23.50, indicating a potential downside of 16.52%. Given Citizens & Northern's higher possible upside, analysts plainly 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)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00
Citizens & Northern
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

In the previous week, Citizens & Northern had 1 more articles in the media than First Community Bancshares. MarketBeat recorded 3 mentions for Citizens & Northern and 2 mentions for First Community Bancshares. First Community Bancshares' average media sentiment score of 1.41 beat Citizens & Northern's score of 1.27 indicating that First Community Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
First Community Bancshares Positive
Citizens & Northern Positive

First Community Bancshares has a beta of 0.5, meaning that its stock price is 50% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.39, meaning that its stock price is 61% less volatile than the broader market.

Summary

First Community Bancshares beats Citizens & Northern on 13 of the 19 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 superior investment? We will compare the two businesses based on the strength of their profitability, dividends, valuation, earnings, analyst recommendations, media sentiment, risk and institutional ownership.

Citizens & Northern has a beta of 0.39, indicating that its share price is 61% less volatile than the broader market. Comparatively, First Mid Bancshares has a beta of 0.8, indicating that its share price is 20% less volatile than the broader market.

In the previous week, First Mid Bancshares had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 4 mentions for First Mid Bancshares and 3 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.27 beat First Mid Bancshares' score of 0.90 indicating that Citizens & Northern is being referred to more favorably in the media.

Company Overall Sentiment
Citizens & Northern Positive
First Mid Bancshares Positive

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 47.6% of First Mid Bancshares shares are owned by institutional investors. 4.7% of Citizens & Northern shares are owned by company insiders. Comparatively, 6.0% of First Mid Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Citizens & Northern pays an annual dividend of $1.20 per share and has a dividend yield of 4.3%. First Mid Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.0%. Citizens & Northern pays out 81.1% 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 24.0% of its earnings in the form of a dividend. First Mid Bancshares has increased its dividend for 3 consecutive years.

First Mid Bancshares has a net margin of 20.87% compared to Citizens & Northern's net margin of 17.41%. Citizens & Northern's return on equity of 11.86% beat First Mid Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern17.41% 11.86% 1.29%
First Mid Bancshares 20.87%11.41%1.35%

Citizens & Northern presently has a consensus price target of $23.50, indicating a potential downside of 16.52%. First Mid Bancshares has a consensus price target of $55.50, indicating a potential upside of 8.21%. Given First Mid Bancshares' stronger consensus rating and higher probable upside, analysts plainly 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)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
First Mid Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
2.83

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$150.20M3.36$23.43M$1.4819.02
First Mid Bancshares$466.04M2.93$91.75M$4.3411.82

Summary

First Mid Bancshares beats Citizens & Northern on 15 of the 20 factors compared between the two stocks.

How does Citizens & Northern compare to Mercantile Bank?

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

30.8% of Citizens & Northern shares are held by institutional investors. Comparatively, 58.6% of Mercantile Bank shares are held by institutional investors. 4.7% of Citizens & Northern shares are held by company insiders. Comparatively, 2.5% of Mercantile Bank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Mercantile Bank has a net margin of 24.42% compared to Citizens & Northern's net margin of 17.41%. Mercantile Bank's return on equity of 13.37% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern17.41% 11.86% 1.29%
Mercantile Bank 24.42%13.37%1.43%

Citizens & Northern has a beta of 0.39, indicating that its share price is 61% less volatile than the broader market. Comparatively, Mercantile Bank has a beta of 0.82, indicating that its share price is 18% less volatile than the broader market.

Citizens & Northern pays an annual dividend of $1.20 per share and has a dividend yield of 4.3%. Mercantile Bank pays an annual dividend of $1.60 per share and has a dividend yield of 2.6%. Citizens & Northern pays out 81.1% 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 pays out 28.5% of its earnings in the form of a dividend. Mercantile Bank has raised its dividend for 14 consecutive years.

Citizens & Northern currently has a consensus target price of $23.50, indicating a potential downside of 16.52%. Mercantile Bank has a consensus target price of $62.20, indicating a potential upside of 1.60%. Given Mercantile Bank's stronger consensus rating and higher possible upside, analysts clearly believe Mercantile Bank is more favorable than Citizens & Northern.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
Mercantile Bank
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.67

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
Citizens & Northern$150.20M3.36$23.43M$1.4819.02
Mercantile Bank$371.80M2.85$88.75M$5.6110.91

In the previous week, Mercantile Bank had 1 more articles in the media than Citizens & Northern. MarketBeat recorded 4 mentions for Mercantile Bank and 3 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 1.27 beat Mercantile Bank's score of 1.17 indicating that Citizens & Northern is being referred to more favorably in the media.

Company Overall Sentiment
Citizens & Northern Positive
Mercantile Bank Positive

Summary

Mercantile Bank beats Citizens & Northern on 15 of the 20 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 business? We will contrast the two companies based on the strength of their profitability, earnings, analyst recommendations, media sentiment, institutional ownership, dividends, valuation and risk.

MetroCity Bankshares has a net margin of 29.44% compared to Citizens & Northern's net margin of 17.41%. MetroCity Bankshares' return on equity of 15.48% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
MetroCity Bankshares29.44% 15.48% 1.87%
Citizens & Northern 17.41%11.86%1.29%

MetroCity Bankshares pays an annual dividend of $1.24 per share and has a dividend yield of 3.4%. Citizens & Northern pays an annual dividend of $1.20 per share and has a dividend yield of 4.3%. MetroCity Bankshares pays out 40.7% of its earnings in the form of a dividend. Citizens & Northern pays out 81.1% 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 presently has a consensus target price of $33.00, suggesting a potential downside of 8.94%. Citizens & Northern has a consensus target price of $23.50, suggesting a potential downside of 16.52%. Given MetroCity Bankshares' stronger consensus rating and higher probable upside, analysts plainly believe MetroCity Bankshares is more favorable than Citizens & Northern.

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)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

MetroCity Bankshares has a beta of 0.66, meaning that its stock price is 34% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.39, meaning that its stock price is 61% less volatile than the broader market.

In the previous week, Citizens & Northern had 1 more articles in the media than MetroCity Bankshares. MarketBeat recorded 3 mentions for Citizens & Northern and 2 mentions for MetroCity Bankshares. Citizens & Northern's average media sentiment score of 1.27 beat MetroCity Bankshares' score of 1.07 indicating that Citizens & Northern is being referred to more favorably in the news media.

Company Overall Sentiment
MetroCity Bankshares Positive
Citizens & Northern Positive

25.3% of MetroCity Bankshares shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 20.2% of MetroCity Bankshares 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, endowments and hedge funds believe a stock is poised for long-term growth.

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$190.11M5.49$68.53M$3.0511.88
Citizens & Northern$150.20M3.36$23.43M$1.4819.02

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$502.63M$23.03B$14.17B$12.19B
Dividend Yield4.22%3.07%4.88%4.52%
P/E Ratio18.9217.6921.0031.15
Price / Sales3.352.835.025.46
Price / Cash15.1614.5220.3122.51
Price / Book1.471.331.823.80
Net Income$23.43M$2.61B$1.32B$390.56M
7 Day Performance-0.69%0.57%0.28%2.34%
1 Month Performance11.02%1.60%-0.38%-6.23%
1 Year Performance44.54%19.97%4.63%-6.79%

Citizens & Northern Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CZNC
Citizens & Northern
4.3467 of 5 stars
$28.06
-0.3%
$23.50
-16.2%
+45.5%$502.63M$150.20M18.92460
CAC
Camden National
3.1337 of 5 stars
$58.08
-1.4%
$56.00
-3.6%
+51.0%$995.74M$373.18M11.10683
FCBC
First Community Bancshares
4.3336 of 5 stars
$46.68
-2.2%
N/A+36.1%$902.59M$185.42M14.10614
FMBH
First Mid Bancshares
4.0487 of 5 stars
$50.84
-1.2%
$55.50
+9.2%
+37.8%$1.37B$466.04M11.711,170
MBWM
Mercantile Bank
3.7346 of 5 stars
$60.36
-1.4%
$62.20
+3.0%
+34.1%$1.06B$371.80M10.76786

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This page (NASDAQ:CZNC) was last updated on 11/12/2026 by MarketBeat.com Staff.
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