Citizens & Northern (CZNC) Competitors $19.05 -0.19 (-0.97%) As of 10:35 AM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrends CZNC vs. PEBO, CTBI, SBSI, UVSP, HFWA, CPF, FCBC, EGBN, MBWM, and GSBCShould you be buying Citizens & Northern stock or one of its competitors? The main competitors of Citizens & Northern include Peoples Bancorp (PEBO), Community Trust Bancorp (CTBI), Southside Bancshares (SBSI), Univest Financial (UVSP), Heritage Financial (HFWA), Central Pacific Financial (CPF), First Community Bankshares (FCBC), Eagle Bancorp (EGBN), Mercantile Bank (MBWM), and Great Southern Bancorp (GSBC). These companies are all part of the "regional banks" industry. Citizens & Northern vs. Peoples Bancorp Community Trust Bancorp Southside Bancshares Univest Financial Heritage Financial Central Pacific Financial First Community Bankshares Eagle Bancorp Mercantile Bank Great Southern Bancorp Peoples Bancorp (NASDAQ:PEBO) and Citizens & Northern (NASDAQ:CZNC) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, dividends, analyst recommendations, institutional ownership, media sentiment, valuation, earnings, community ranking and profitability. Does the media prefer PEBO or CZNC? In the previous week, Peoples Bancorp had 14 more articles in the media than Citizens & Northern. MarketBeat recorded 15 mentions for Peoples Bancorp and 1 mentions for Citizens & Northern. Citizens & Northern's average media sentiment score of 0.85 beat Peoples Bancorp's score of 0.49 indicating that Citizens & Northern is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Peoples Bancorp 1 Very Positive mention(s) 3 Positive mention(s) 6 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Neutral Citizens & Northern 1 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do insiders & institutionals hold more shares of PEBO or CZNC? 60.7% of Peoples Bancorp shares are owned by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are owned by institutional investors. 3.5% of Peoples Bancorp shares are owned by company insiders. Comparatively, 4.0% of Citizens & Northern shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth. Is PEBO or CZNC more profitable? Peoples Bancorp has a net margin of 20.16% compared to Citizens & Northern's net margin of 14.47%. Peoples Bancorp's return on equity of 11.84% beat Citizens & Northern's return on equity.Company Net Margins Return on Equity Return on Assets Peoples Bancorp20.16% 11.84% 1.39% Citizens & Northern 14.47%8.28%0.86% Which has more volatility and risk, PEBO or CZNC? Peoples Bancorp has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500. Comparatively, Citizens & Northern has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500. Is PEBO or CZNC a better dividend stock? Peoples Bancorp pays an annual dividend of $1.60 per share and has a dividend yield of 5.1%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 5.9%. Peoples Bancorp pays out 45.6% of its earnings in the form of a dividend. Citizens & Northern pays out 77.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Which has stronger valuation and earnings, PEBO or CZNC? Peoples Bancorp has higher revenue and earnings than Citizens & Northern. Peoples 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 RatioPeoples Bancorp$526.82M2.13$113.36M$3.519.01Citizens & Northern$103.80M2.83$24.15M$1.4413.23 Does the MarketBeat Community prefer PEBO or CZNC? Peoples Bancorp received 113 more outperform votes than Citizens & Northern when rated by MarketBeat users. Likewise, 56.08% of users gave Peoples Bancorp an outperform vote while only 52.13% of users gave Citizens & Northern an outperform vote. CompanyUnderperformOutperformPeoples BancorpOutperform Votes27256.08% Underperform Votes21343.92% Citizens & NorthernOutperform Votes15952.13% Underperform Votes14647.87% Do analysts recommend PEBO or CZNC? Peoples Bancorp currently has a consensus price target of $34.25, indicating a potential upside of 8.32%. Given Peoples Bancorp's stronger consensus rating and higher probable upside, research analysts plainly believe Peoples Bancorp is more favorable than Citizens & Northern.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Peoples Bancorp 0 Sell rating(s) 3 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.25Citizens & Northern 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00 SummaryPeoples Bancorp beats Citizens & Northern on 15 of the 20 factors compared between the two stocks. Get Citizens & Northern News Delivered to You Automatically Sign up to receive the latest news and ratings for CZNC and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart CZNC vs. The Competition Export to ExcelMetricCitizens & NorthernState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$293.70M$3.22B$11.72B$9.25BDividend Yield5.89%3.61%5.96%3.99%P/E Ratio13.2316.9824.7817.58Price / Sales2.832.4527.9778.99Price / Cash10.3410.5118.0136.96Price / Book1.111.282.654.70Net Income$24.15M$418.69M$1.07B$224.57M7 Day Performance0.23%0.95%1.07%1.76%1 Month Performance2.83%0.22%1.25%5.37%1 Year Performance-5.39%15.21%15.71%21.59% Citizens & Northern Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CZNCCitizens & Northern3.4765 of 5 stars$19.05-1.0%N/A-5.8%$293.70M$103.80M13.23410PEBOPeoples Bancorp2.6344 of 5 stars$30.16+0.1%$34.25+13.6%-0.9%$1.07B$442.41M8.591,270Earnings ReportDividend AnnouncementNews CoverageCTBICommunity Trust Bancorp3.4406 of 5 stars$50.80+2.2%$57.67+13.5%+33.0%$917.35M$239.57M11.55980Earnings ReportPositive NewsSBSISouthside Bancshares3.2742 of 5 stars$30.10+0.4%$37.00+22.9%+5.2%$912.27M$248.79M10.87810Upcoming EarningsUVSPUnivest Financial2.0467 of 5 stars$28.11+1.6%$28.00-0.4%+48.7%$816.40M$293.80M11.29970News CoverageHFWAHeritage Financial3.0968 of 5 stars$23.24+0.7%$25.00+7.6%+20.5%$793.74M$210.51M21.52830Upcoming EarningsCPFCentral Pacific Financial4.3429 of 5 stars$26.60+0.4%$24.00-9.8%+50.4%$719.93M$248.92M12.67780Upcoming EarningsNews CoveragePositive NewsFCBCFirst Community Bankshares3.7374 of 5 stars$38.86+0.4%$38.00-2.2%+18.8%$710.79M$157.12M13.93630Upcoming EarningsPositive NewsEGBNEagle Bancorp3.3242 of 5 stars$23.32-0.4%$29.50+26.5%-8.0%$704.31M$309.65M-16.66500MBWMMercantile Bank3.2211 of 5 stars$42.15+1.1%$54.50+29.3%+19.7%$680.39M$229.89M8.46670Earnings ReportAnalyst ForecastNews CoverageGSBCGreat Southern Bancorp2.6145 of 5 stars$57.84+1.3%$52.00-10.1%+9.9%$675.28M$214.95M11.341,100Earnings ReportNews CoveragePositive News Related Companies and Tools Related Companies Peoples Bancorp Competitors Community Trust Bancorp Competitors Southside Bancshares Competitors Univest Financial Competitors Heritage Financial Competitors Central Pacific Financial Competitors First Community Bankshares Competitors Eagle Bancorp Competitors Mercantile Bank Competitors Great Southern Bancorp Competitors Top 10 Stock Comparisons Bank Stocks Artificial Intelligence Stocks Toy Stocks Growth Stocks Airline Stocks Chinese Stocks EV Charging Stocks Defense Stocks Lithium Stocks Pharmaceutical Stocks This page (NASDAQ:CZNC) was last updated on 1/22/2025 by MarketBeat.com Staff From Our PartnersBill Gates’ is about to mint millionaires (again) with Stargate.This little-known project that Bill Gates has been quietly working on that’s about to unleash an AI breakthrou...Brownstone Research | SponsoredTrump currency shock imminentTrump's Quiet $1.9 Trillion Move Against the Fed A small army of Americans, with Trump's support, has launc...Stansberry Research | SponsoredJanuary 29th - the next big trading catalyst to watch Mark your calendar for January 29th. 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