CZNC vs CD

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

Both CZNC and CD are from the Financial Services sector.

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

CZNC vs CD - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

CZNC

$389M

Winner

$389M

Max Drawdown

Winner

CZNC

77.47%

99.79%

Sharpe Ratio

CZNC

0.78

Winner

1.02

5Y Beta

Winner

CZNC

0.60

1.85

Industry

CZNC

Banks - Regional

Capital Markets

P/E Ratio

CZNC

20.37

Winner

-77.84

Forward P/E

CZNC

11.19

N/A

PEG Ratio

CZNC

1.21

N/A

Dividend Yield

CZNC

5.25%

N/A

5Y Dividends CAGR

CZNC

0.54%

N/A

5Y EPS CAGR

Winner

CZNC

-7.02%

-51.87%

Debt to Equity

CZNC

4.05%

Winner

0.00%

Free Cash Flow Yield

Winner

CZNC

9.65%

-0.62%

P/S Ratio

Winner

CZNC

3.43

165.68

P/B Ratio

Winner

CZNC

1.14

8.36

CZNC vs CD - Historical Returns

Returns include dividend reinvestment.

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

Winner

CZNC

+5.05%

-20.44%

CZNC

+3.15%

Winner

+3.94%

Winner

CZNC

+4.40%

-33.94%

Winner

CZNC

+23.68%

+15.85%

5Y(CAGR)

Winner

CZNC

+2.80%

-7.87%

10Y(CAGR)

Winner

CZNC

+5.89%

-25.23%

Max(CAGR)

Winner

CZNC

+5.42%

-29.29%

CZNC vs CD - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	CD
2026	+13.28%	+6.50%
2025	+16.98%	-34.26%
2024	-13.54%	+172.11%
2023	+3.80%	+110.82%
2022	-8.18%	-64.41%
2021	+35.53%	-5.09%
2020	-25.64%	+83.07%
2019	+11.86%	+24.24%
2018	+14.65%	-93.33%
2017	-4.00%	-72.94%
2016	+35.90%	-24.35%
2015	+6.44%	-51.34%
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 CD Drawdown Comparison

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

The maximum drawdown for CD was -99.79%, occurring on Nov 11, 2022. This drawdown has not yet recovered.

The current CZNC drawdown is -6.54%. The current CD drawdown is -98.22%.

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

Correlation

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

-0.69

-101