CZNC vs CLFD

Comparison between Citizens & Northern Corp (CZNC, Company) and Clearfield Inc (CLFD, Company).

CZNC is from the Financial Services sector, while CLFD is from the Technology sector.

5-Year PerformanceCZNC has outperformed CLFD, delivering a return of +4.0% compared to -6.7%

CZNC vs CLFD - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	CLFD(COMPANY)
Market Cap	$415M	$417M
Max Drawdown	77.47%	98.62%
Sharpe Ratio	0.89	-0.32
5Y Beta	0.56	1.43
Industry	Banks - Regional	Communication Equipment
P/E Ratio	21.59	-49.21
Forward P/E	11.19	19.38
PEG Ratio	1.21	-0.13
Dividend Yield	4.83%	N/A
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	9.04%	5.64%
P/S Ratio	3.68	2.80
P/B Ratio	1.25	1.79

Market Cap

CZNC

$415M

Winner

CLFD

$417M

Max Drawdown

Winner

CZNC

77.47%

CLFD

98.62%

Sharpe Ratio

Winner

CZNC

0.89

CLFD

-0.32

5Y Beta

Winner

CZNC

0.56

CLFD

1.43

Industry

CZNC

Banks - Regional

CLFD

Communication Equipment

P/E Ratio

CZNC

21.59

Winner

CLFD

-49.21

Forward P/E

Winner

CZNC

11.19

CLFD

19.38

PEG Ratio

CZNC

1.21

Winner

CLFD

-0.13

Dividend Yield

CZNC

4.83%

CLFD

N/A

5Y Dividends CAGR

CZNC

0.54%

CLFD

N/A

5Y EPS CAGR

CZNC

-7.07%

CLFD

N/A

Debt to Equity

CZNC

4.05%

Winner

CLFD

0.00%

Free Cash Flow Yield

Winner

CZNC

9.04%

CLFD

5.64%

P/S Ratio

CZNC

3.68

Winner

CLFD

2.80

P/B Ratio

Winner

CZNC

1.25

CLFD

1.79

CZNC vs CLFD - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	CLFD
1 month	+5.30%	-17.92%
3 months	+2.45%	+0.43%
6 months	+10.33%	-0.88%
1 year	+24.18%	-32.73%
5 years(CAGR)	+3.96%	-6.72%
10 years(CAGR)	+6.21%	+5.07%
Max(CAGR)	+5.60%	+7.00%

Winner

CZNC

+5.30%

CLFD

-17.92%

Winner

CZNC

+2.45%

CLFD

+0.43%

Winner

CZNC

+10.33%

CLFD

-0.88%

Winner

CZNC

+24.18%

CLFD

-32.73%

5Y(CAGR)

Winner

CZNC

+3.96%

CLFD

-6.72%

10Y(CAGR)

Winner

CZNC

+6.21%

CLFD

+5.07%

Max(CAGR)

CZNC

+5.60%

Winner

CLFD

+7.00%

CZNC vs CLFD - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	CLFD
2026	+19.44%	+3.42%
2025	+16.98%	-8.93%
2024	-13.54%	+4.06%
2023	+3.80%	-68.18%
2022	-8.18%	+17.16%
2021	+35.53%	+248.99%
2020	-25.64%	+77.46%
2019	+11.86%	+30.65%
2018	+14.65%	-17.68%
2017	-4.00%	-42.08%
2016	+35.90%	+58.38%
2015	+6.44%	+6.77%
2014	+6.82%	-35.18%
2013	+13.78%	+315.61%
2012	+4.51%	-39.89%
2011	+25.65%	+93.64%
2010	+58.99%	+58.82%
2009	-49.99%	+122.22%
2008	+17.35%	+4.00%
2007	-14.91%	-30.82%
2006	-10.49%	+3.62%
2005	-0.87%	-36.02%
2004	+6.18%	-6.76%
2003	+35.71%	+39.87%
2002	+27.68%	-52.66%
2001	+36.99%	-51.71%
2000	-22.66%	-52.06%
1999	-6.13%	+210.00%

CZNC vs CLFD Drawdown Comparison

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

The maximum drawdown for CLFD was -98.62%, occurring on Nov 28, 2008. Recovery took 5453 trading sessions.

The current CZNC drawdown is -3.24%. The current CLFD drawdown is -76.83%.

Rank	CZNC	CLFD
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-98.62% Feb 28, 2000 - Oct 28, 2021
#2	-44.88% May 14, 2019 - Oct 7, 2021	-82.52% Nov 30, 2022 - Oct 30, 2023
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-44.42% Dec 31, 2021 - Jul 28, 2022
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-31.44% Aug 24, 2022 - Nov 23, 2022
#5	-17.45% Jan 20, 2005 - May 27, 2005	-29.06% Dec 30, 1999 - Jan 18, 2000
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-26.27% Feb 7, 2000 - Feb 28, 2000
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-19.68% Jan 25, 2000 - Feb 2, 2000
#8	-14.21% Apr 9, 2026 - Jul 1, 2026	-15.63% Nov 15, 1999 - Dec 8, 1999
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-12.84% Nov 12, 2021 - Dec 15, 2021
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-11.12% Dec 8, 1999 - Dec 21, 1999
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-7.34% Nov 25, 2022 - Nov 30, 2022
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-7.26% Nov 3, 1999 - Nov 15, 1999
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-5.87% Jan 19, 2000 - Jan 21, 2000
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-3.40% Dec 22, 1999 - Dec 29, 1999
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-3.39% Aug 19, 2022 - Aug 23, 2022