AVBC vs CZNC

Comparison between Avidia Bancorp Inc (AVBC, Company) and Citizens & Northern Corp (CZNC, Company).

Both AVBC and CZNC are from the Financial Services sector.

AVBC vs CZNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	AVBC(COMPANY)	CZNC(COMPANY)
Market Cap	$403M	$389M
Max Drawdown	12.14%	77.47%
Sharpe Ratio	1.66	0.86
5Y Beta	0.53	0.60
Industry	Banks - Regional	Banks - Regional
P/E Ratio	-122.51	20.37
Forward P/E	15.62	11.19
PEG Ratio	N/A	1.21
Dividend Yield	0.25%	5.12%
5Y Dividends CAGR	N/A	0.54%
5Y EPS CAGR	N/A	-7.02%
Debt to Equity	0.00%	4.05%
Free Cash Flow Yield	8.86%	9.65%
P/S Ratio	3.58	3.43
P/B Ratio	0.97	1.14

Market Cap

Winner

AVBC

$403M

CZNC

$389M

Max Drawdown

Winner

AVBC

12.14%

CZNC

77.47%

Sharpe Ratio

Winner

AVBC

1.66

CZNC

0.86

5Y Beta

Winner

AVBC

0.53

CZNC

0.60

Industry

AVBC

Banks - Regional

CZNC

Banks - Regional

P/E Ratio

Winner

AVBC

-122.51

CZNC

20.37

Forward P/E

AVBC

15.62

Winner

CZNC

11.19

PEG Ratio

AVBC

N/A

CZNC

1.21

Dividend Yield

AVBC

0.25%

Winner

CZNC

5.12%

5Y Dividends CAGR

AVBC

N/A

CZNC

0.54%

5Y EPS CAGR

AVBC

N/A

CZNC

-7.02%

Debt to Equity

Winner

AVBC

0.00%

CZNC

4.05%

Free Cash Flow Yield

AVBC

8.86%

Winner

CZNC

9.65%

P/S Ratio

AVBC

3.58

Winner

CZNC

3.43

P/B Ratio

Winner

AVBC

0.97

CZNC

1.14

AVBC vs CZNC - Historical Returns

Returns include dividend reinvestment.

Period	AVBC	CZNC
1 month	+6.05%	+6.12%
3 months	+4.07%	-0.64%
6 months	+18.02%	+0.22%
1 year	+37.12%	+23.10%
5 years(CAGR)	N/A	+2.33%
10 years(CAGR)	N/A	+5.64%
Max(CAGR)	+43.71%	+5.31%

AVBC

+6.05%

Winner

CZNC

+6.12%

Winner

AVBC

+4.07%

CZNC

-0.64%

Winner

AVBC

+18.02%

CZNC

+0.22%

Winner

AVBC

+37.12%

CZNC

+23.10%

5Y(CAGR)

AVBC

N/A

CZNC

+2.33%

10Y(CAGR)

AVBC

N/A

CZNC

+5.64%

Max(CAGR)

Winner

AVBC

+43.71%

CZNC

+5.31%

AVBC vs CZNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	AVBC	CZNC
2026	+21.52%	+10.36%
2025	+14.82%	+16.98%
2024	N/A	-13.54%
2023	N/A	+3.80%
2022	N/A	-8.18%
2021	N/A	+35.53%
2020	N/A	-25.64%
2019	N/A	+11.86%
2018	N/A	+14.65%
2017	N/A	-4.00%
2016	N/A	+35.90%
2015	N/A	+6.44%
2014	N/A	+6.82%
2013	N/A	+13.78%
2012	N/A	+4.51%
2011	N/A	+25.65%
2010	N/A	+58.99%
2009	N/A	-49.99%
2008	N/A	+17.35%
2007	N/A	-14.91%
2006	N/A	-10.49%
2005	N/A	-0.87%
2004	N/A	+6.18%
2003	N/A	+35.71%
2002	N/A	+27.68%
2001	N/A	+36.99%
2000	N/A	-22.66%
1999	N/A	-6.13%

AVBC vs CZNC Drawdown Comparison

The maximum drawdown for AVBC was -11.90%, occurring on May 28, 2026. This drawdown has not yet recovered.

The maximum drawdown for CZNC was -72.51%, occurring on Nov 27, 2009. Recovery took 2815 trading sessions.

The current AVBC drawdown is -5.82%. The current CZNC drawdown is -8.95%.

Rank	AVBC	CZNC
#1	-11.90% Apr 20, 2026 - May 28, 2026	-72.51% Jul 22, 2005 - Sep 27, 2016
#2	-9.74% Sep 18, 2025 - Nov 26, 2025	-44.88% May 14, 2019 - Oct 7, 2021
#3	-5.49% Feb 9, 2026 - Mar 25, 2026	-36.38% Dec 6, 1999 - Apr 8, 2002
#4	-5.22% Dec 19, 2025 - Jan 29, 2026	-34.20% Nov 11, 2021 - Jan 22, 2026
#5	-3.02% Aug 28, 2025 - Sep 8, 2025	-17.45% Jan 20, 2005 - May 27, 2005
#6	-2.77% Mar 25, 2026 - Mar 31, 2026	-16.65% Aug 24, 2018 - Apr 26, 2019
#7	-2.49% Dec 1, 2025 - Dec 3, 2025	-14.80% Nov 29, 2017 - Jun 1, 2018
#8	-2.25% Aug 1, 2025 - Aug 14, 2025	-14.21% Apr 9, 2026 - May 15, 2026
#9	-1.91% Sep 8, 2025 - Sep 16, 2025	-13.65% Dec 27, 2016 - Oct 10, 2017
#10	-1.64% Feb 3, 2026 - Feb 9, 2026	-11.33% Oct 16, 2017 - Nov 29, 2017
#11	-1.27% Aug 20, 2025 - Aug 26, 2025	-10.30% Feb 13, 2026 - Apr 9, 2026
#12	-1.06% Nov 26, 2025 - Dec 1, 2025	-8.80% Dec 31, 2003 - Dec 16, 2004
#13	-0.92% Apr 15, 2026 - Apr 17, 2026	-7.39% Nov 23, 2016 - Dec 19, 2016
#14	-0.82% Apr 9, 2026 - Apr 14, 2026	-7.31% Nov 1, 1999 - Dec 2, 1999
#15	-0.70% Dec 12, 2025 - Dec 17, 2025	-7.12% Nov 6, 2002 - Apr 2, 2003

Correlation

Correlation between AVBC and CZNC is 0.90 which considered as a very strong positive correlation - the stocks move almost identically together.

0.90

-101

Dividend Comparison (1999 - 2026)

AVBC vs CZNC dividend yield comparison.

Year	AVBC	CZNC
2026	0.50%	2.61%
2025	0.00%	5.55%
2024	0.00%	6.02%
2023	0.00%	4.99%
2022	0.00%	4.90%
2021	0.00%	4.25%
2020	0.00%	5.44%
2019	0.00%	3.82%
2018	0.00%	4.09%
2017	0.00%	4.33%
2016	0.00%	3.97%
2015	0.00%	4.95%
2014	0.00%	5.03%
2013	0.00%	4.85%
2012	0.00%	4.44%
2011	0.00%	3.14%
2010	0.00%	2.62%
2009	0.00%	7.55%
2008	0.00%	4.86%
2007	0.00%	5.40%
2006	0.00%	4.33%
2005	0.00%	3.60%
2004	0.00%	3.27%
2003	0.00%	2.87%
2002	0.00%	3.71%
2001	0.00%	4.05%
2000	0.00%	4.82%
1999	0.00%	0.82%