CZNC vs LND

Comparison between Citizens & Northern Corp (CZNC, Company) and Brasilagro Companhia Brasileira De Propriedade Agricola (LND, Company).

CZNC is from the Financial Services sector, while LND is from the Consumer Defensive sector.

5-Year PerformanceCZNC has outperformed LND, delivering a return of +2.3% compared to -2.6%

CZNC vs LND - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	LND(COMPANY)
Market Cap	$379M	$379M
Max Drawdown	77.47%	59.11%
Sharpe Ratio	0.86	-0.06
5Y Beta	0.61	0.42
Industry	Banks - Regional	Farm Products
P/E Ratio	19.70	56.83
Forward P/E	11.19	16.37
PEG Ratio	1.21	0.00
Dividend Yield	5.36%	3.73%
5Y Dividends CAGR	0.54%	26.42%
5Y EPS CAGR	-7.07%	-34.33%
Debt to Equity	4.05%	70.74%
Free Cash Flow Yield	9.91%	2.18%
P/S Ratio	3.35	0.40
P/B Ratio	1.13	0.93

Market Cap

Winner

CZNC

$379M

LND

$379M

Max Drawdown

CZNC

77.47%

Winner

LND

59.11%

Sharpe Ratio

Winner

CZNC

0.86

LND

-0.06

5Y Beta

CZNC

0.61

Winner

LND

0.42

Industry

CZNC

Banks - Regional

LND

Farm Products

P/E Ratio

Winner

CZNC

19.70

LND

56.83

Forward P/E

Winner

CZNC

11.19

LND

16.37

PEG Ratio

CZNC

1.21

Winner

LND

0.00

Dividend Yield

Winner

CZNC

5.36%

LND

3.73%

5Y Dividends CAGR

CZNC

0.54%

Winner

LND

26.42%

5Y EPS CAGR

Winner

CZNC

-7.07%

LND

-34.33%

Debt to Equity

Winner

CZNC

4.05%

LND

70.74%

Free Cash Flow Yield

Winner

CZNC

9.91%

LND

2.18%

P/S Ratio

CZNC

3.35

Winner

LND

0.40

P/B Ratio

CZNC

1.13

Winner

LND

0.93

CZNC vs LND - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	LND
1 month	-1.79%	-6.60%
3 months	-2.97%	-9.80%
6 months	+8.12%	-1.87%
1 year	+24.80%	-2.53%
5 years(CAGR)	+2.31%	-2.58%
10 years(CAGR)	+5.53%	+8.28%
Max(CAGR)	+5.29%	+5.50%

Winner

CZNC

-1.79%

LND

-6.60%

Winner

CZNC

-2.97%

LND

-9.80%

Winner

CZNC

+8.12%

LND

-1.87%

Winner

CZNC

+24.80%

LND

-2.53%

5Y(CAGR)

Winner

CZNC

+2.31%

LND

-2.58%

10Y(CAGR)

CZNC

+5.53%

Winner

LND

+8.28%

Max(CAGR)

CZNC

+5.29%

Winner

LND

+5.50%

CZNC vs LND - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	LND
2026	+9.64%	+2.79%
2025	+16.98%	+1.28%
2024	-13.54%	-27.46%
2023	+3.80%	+10.96%
2022	-8.18%	+31.46%
2021	+35.53%	+16.95%
2020	-25.64%	+7.95%
2019	+11.86%	+24.60%
2018	+14.65%	+22.42%
2017	-4.00%	+5.27%
2016	+35.90%	+20.41%
2015	+6.44%	+3.76%
2014	+6.82%	-26.67%
2013	+13.78%	-17.54%
2012	+4.51%	+26.94%
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 LND Drawdown Comparison

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

The maximum drawdown for LND was -53.43%, occurring on Jan 27, 2016. Recovery took 1407 trading sessions.

The current CZNC drawdown is -9.55%. The current LND drawdown is -35.01%.

Rank	CZNC	LND
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-53.43% Jun 3, 2013 - Jan 3, 2019
#2	-44.88% May 14, 2019 - Oct 7, 2021	-48.59% Jan 23, 2020 - Nov 19, 2020
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-46.48% Apr 12, 2022 - Jul 13, 2022
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-29.67% Jun 7, 2021 - Feb 23, 2022
#5	-17.45% Jan 20, 2005 - May 27, 2005	-29.57% Jan 15, 2021 - Apr 22, 2021
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-15.66% Feb 1, 2019 - Dec 12, 2019
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-15.22% May 5, 2021 - Jun 4, 2021
#8	-14.21% Apr 9, 2026 - May 15, 2026	-13.99% May 15, 2012 - Jul 16, 2012
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-13.33% Oct 12, 2012 - Dec 28, 2012
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-11.49% Mar 7, 2022 - Mar 23, 2022
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-10.44% Feb 19, 2013 - Jun 3, 2013
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-9.11% Dec 1, 2020 - Jan 14, 2021
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-6.97% Jan 9, 2019 - Feb 1, 2019
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-6.43% Feb 28, 2022 - Mar 3, 2022
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-6.31% Apr 22, 2021 - Apr 26, 2021

Correlation

Correlation between CZNC and LND is 0.71 which considered as a strong positive correlation - the stocks tend to move together.

0.71

-101

Dividend Comparison (1999 - 2026)

CZNC vs LND dividend yield comparison.

Year	CZNC	LND
2026	2.62%	0.00%
2025	5.55%	3.95%
2024	6.02%	7.44%
2023	4.99%	12.40%
2022	4.90%	18.07%
2021	4.25%	8.86%
2020	5.44%	2.54%
2019	3.82%	4.67%
2018	4.09%	4.75%
2017	4.33%	1.93%
2016	3.97%	4.78%
2015	4.95%	11.77%
2014	5.03%	0.00%
2013	4.85%	2.25%
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%