CD vs CZNC

Comparison between Chaince DigitalHoldings Inc (CD, Company) and Citizens & Northern Corp (CZNC, Company).

Both CD and CZNC are from the Financial Services sector.

5-Year PerformanceCZNC has outperformed CD, delivering a return of +2.8% compared to -7.9%

CD vs CZNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CD(COMPANY)	CZNC(COMPANY)
Market Cap	$389M	$389M
Max Drawdown	99.79%	77.47%
Sharpe Ratio	1.02	0.78
5Y Beta	1.85	0.60
Industry	Capital Markets	Banks - Regional
P/E Ratio	-77.84	20.37
Forward P/E	N/A	11.19
PEG Ratio	N/A	1.21
Dividend Yield	N/A	5.25%
5Y Dividends CAGR	N/A	0.54%
5Y EPS CAGR	-51.87%	-7.02%
Debt to Equity	0.00%	4.05%
Free Cash Flow Yield	-0.62%	9.65%
P/S Ratio	165.68	3.43
P/B Ratio	8.36	1.14

Market Cap

Winner

$389M

CZNC

$389M

Max Drawdown

99.79%

Winner

CZNC

77.47%

Sharpe Ratio

Winner

1.02

CZNC

0.78

5Y Beta

1.85

Winner

CZNC

0.60

Industry

Capital Markets

CZNC

Banks - Regional

P/E Ratio

Winner

-77.84

CZNC

20.37

Forward P/E

N/A

CZNC

11.19

PEG Ratio

N/A

CZNC

1.21

Dividend Yield

N/A

CZNC

5.25%

5Y Dividends CAGR

N/A

CZNC

0.54%

5Y EPS CAGR

-51.87%

Winner

CZNC

-7.02%

Debt to Equity

Winner

0.00%

CZNC

4.05%

Free Cash Flow Yield

-0.62%

Winner

CZNC

9.65%

P/S Ratio

165.68

Winner

CZNC

3.43

P/B Ratio

8.36

Winner

CZNC

1.14

CD vs CZNC - Historical Returns

Returns include dividend reinvestment.

Period	CD	CZNC
1 month	-20.44%	+5.05%
3 months	+3.94%	+3.15%
6 months	-33.94%	+4.40%
1 year	+15.85%	+23.68%
5 years(CAGR)	-7.87%	+2.80%
10 years(CAGR)	-25.23%	+5.89%
Max(CAGR)	-29.29%	+5.42%

-20.44%

Winner

CZNC

+5.05%

Winner

+3.94%

CZNC

+3.15%

-33.94%

Winner

CZNC

+4.40%

+15.85%

Winner

CZNC

+23.68%

5Y(CAGR)

-7.87%

Winner

CZNC

+2.80%

10Y(CAGR)

-25.23%

Winner

CZNC

+5.89%

Max(CAGR)

-29.29%

Winner

CZNC

+5.42%

CD vs CZNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CD	CZNC
2026	+6.50%	+13.28%
2025	-34.26%	+16.98%
2024	+172.11%	-13.54%
2023	+110.82%	+3.80%
2022	-64.41%	-8.18%
2021	-5.09%	+35.53%
2020	+83.07%	-25.64%
2019	+24.24%	+11.86%
2018	-93.33%	+14.65%
2017	-72.94%	-4.00%
2016	-24.35%	+35.90%
2015	-51.34%	+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%

CD vs CZNC Drawdown Comparison

The maximum drawdown for CD was -99.79%, occurring on Nov 11, 2022. 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 CD drawdown is -98.22%. The current CZNC drawdown is -6.54%.

Rank	CD	CZNC
#1	-99.79% Jun 4, 2015 - Nov 11, 2022	-72.51% Jul 22, 2005 - Sep 27, 2016
#2	-23.87% Apr 10, 2015 - Jun 4, 2015	-44.88% May 14, 2019 - Oct 7, 2021
#3	N/A	-36.38% Dec 6, 1999 - Apr 8, 2002
#4	N/A	-34.20% Nov 11, 2021 - Jan 22, 2026
#5	N/A	-17.45% Jan 20, 2005 - May 27, 2005
#6	N/A	-16.65% Aug 24, 2018 - Apr 26, 2019
#7	N/A	-14.80% Nov 29, 2017 - Jun 1, 2018
#8	N/A	-14.21% Apr 9, 2026 - May 15, 2026
#9	N/A	-13.65% Dec 27, 2016 - Oct 10, 2017
#10	N/A	-11.33% Oct 16, 2017 - Nov 29, 2017
#11	N/A	-10.30% Feb 13, 2026 - Apr 9, 2026
#12	N/A	-8.80% Dec 31, 2003 - Dec 16, 2004
#13	N/A	-7.39% Nov 23, 2016 - Dec 19, 2016
#14	N/A	-7.31% Nov 1, 1999 - Dec 2, 1999
#15	N/A	-7.12% Nov 6, 2002 - Apr 2, 2003

Correlation

Correlation between CD and CZNC is -0.69 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.69

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