CZNC vs AVBC

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

Both CZNC and AVBC are from the Financial Services sector.

CZNC vs AVBC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	AVBC(COMPANY)
Market Cap	$379M	$378M
Max Drawdown	77.47%	12.14%
Sharpe Ratio	0.86	1.39
5Y Beta	0.61	0.54
Industry	Banks - Regional	Banks - Regional
P/E Ratio	19.70	-115.00
Forward P/E	11.19	14.58
PEG Ratio	1.21	N/A
Dividend Yield	5.36%	0.26%
5Y Dividends CAGR	0.54%	N/A
5Y EPS CAGR	-7.07%	N/A
Debt to Equity	4.05%	0.00%
Free Cash Flow Yield	9.91%	9.44%
P/S Ratio	3.35	3.40
P/B Ratio	1.13	0.92

Market Cap

Winner

CZNC

$379M

AVBC

$378M

Max Drawdown

CZNC

77.47%

Winner

AVBC

12.14%

Sharpe Ratio

CZNC

0.86

Winner

AVBC

1.39

5Y Beta

CZNC

0.61

Winner

AVBC

0.54

Industry

CZNC

Banks - Regional

AVBC

Banks - Regional

P/E Ratio

CZNC

19.70

Winner

AVBC

-115.00

Forward P/E

Winner

CZNC

11.19

AVBC

14.58

PEG Ratio

CZNC

1.21

AVBC

N/A

Dividend Yield

Winner

CZNC

5.36%

AVBC

0.26%

5Y Dividends CAGR

CZNC

0.54%

AVBC

N/A

5Y EPS CAGR

CZNC

-7.07%

AVBC

N/A

Debt to Equity

CZNC

4.05%

Winner

AVBC

0.00%

Free Cash Flow Yield

Winner

CZNC

9.91%

AVBC

9.44%

P/S Ratio

Winner

CZNC

3.35

AVBC

3.40

P/B Ratio

CZNC

1.13

Winner

AVBC

0.92

CZNC vs AVBC - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	AVBC
1 month	-1.79%	-5.84%
3 months	-2.97%	+1.85%
6 months	+8.12%	+16.53%
1 year	+24.80%	+32.45%
5 years(CAGR)	+2.31%	N/A
10 years(CAGR)	+5.53%	N/A
Max(CAGR)	+5.29%	+39.56%

Winner

CZNC

-1.79%

AVBC

-5.84%

CZNC

-2.97%

Winner

AVBC

+1.85%

CZNC

+8.12%

Winner

AVBC

+16.53%

CZNC

+24.80%

Winner

AVBC

+32.45%

5Y(CAGR)

CZNC

+2.31%

AVBC

N/A

10Y(CAGR)

CZNC

+5.53%

AVBC

N/A

Max(CAGR)

CZNC

+5.29%

Winner

AVBC

+39.56%

CZNC vs AVBC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	AVBC
2026	+9.64%	+17.38%
2025	+16.98%	+14.82%
2024	-13.54%	N/A
2023	+3.80%	N/A
2022	-8.18%	N/A
2021	+35.53%	N/A
2020	-25.64%	N/A
2019	+11.86%	N/A
2018	+14.65%	N/A
2017	-4.00%	N/A
2016	+35.90%	N/A
2015	+6.44%	N/A
2014	+6.82%	N/A
2013	+13.78%	N/A
2012	+4.51%	N/A
2011	+25.65%	N/A
2010	+58.99%	N/A
2009	-49.99%	N/A
2008	+17.35%	N/A
2007	-14.91%	N/A
2006	-10.49%	N/A
2005	-0.87%	N/A
2004	+6.18%	N/A
2003	+35.71%	N/A
2002	+27.68%	N/A
2001	+36.99%	N/A
2000	-22.66%	N/A
1999	-6.13%	N/A

CZNC vs AVBC Drawdown Comparison

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

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

The current CZNC drawdown is -9.55%. The current AVBC drawdown is -9.03%.

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

Correlation

Correlation between CZNC and AVBC is 0.91 which considered as a very strong positive correlation - the stocks move almost identically together.

0.91

-101

Dividend Comparison (1999 - 2026)

CZNC vs AVBC dividend yield comparison.

Year	CZNC	AVBC
2026	2.62%	0.52%
2025	5.55%	0.00%
2024	6.02%	0.00%
2023	4.99%	0.00%
2022	4.90%	0.00%
2021	4.25%	0.00%
2020	5.44%	0.00%
2019	3.82%	0.00%
2018	4.09%	0.00%
2017	4.33%	0.00%
2016	3.97%	0.00%
2015	4.95%	0.00%
2014	5.03%	0.00%
2013	4.85%	0.00%
2012	4.44%	0.00%
2011	3.14%	0.00%
2010	2.62%	0.00%
2009	7.55%	0.00%
2008	4.86%	0.00%
2007	5.40%	0.00%
2006	4.33%	0.00%
2005	3.60%	0.00%
2004	3.27%	0.00%
2003	2.87%	0.00%
2002	3.71%	0.00%
2001	4.05%	0.00%
2000	4.82%	0.00%
1999	0.82%	0.00%