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CZNC vs NEWT

Comparison between Citizens & Northern Corp (CZNC, Company) and NewtekOne Inc (NEWT, Company).

Both CZNC and NEWT are from the Financial Services sector.

5-Year PerformanceCZNC has outperformed NEWT, delivering a return of +2.8% compared to -10.6%

CZNC vs NEWT - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
CZNC
$389M
Winner
NEWT
$390M
Max Drawdown
Winner
CZNC
77.47%
NEWT
97.33%
Sharpe Ratio
CZNC
0.78
Winner
NEWT
0.84
5Y Beta
Winner
CZNC
0.60
NEWT
1.27
Industry
CZNC
Banks - Regional
NEWT
Banks - Regional
P/E Ratio
CZNC
20.37
Winner
NEWT
5.91
Forward P/E
CZNC
11.19
Winner
NEWT
5.76
PEG Ratio
CZNC
1.21
Winner
NEWT
0.38
Dividend Yield
CZNC
5.25%
Winner
NEWT
5.62%
5Y Dividends CAGR
Winner
CZNC
0.54%
NEWT
-14.75%
5Y EPS CAGR
CZNC
-7.02%
NEWT
N/A
Debt to Equity
Winner
CZNC
4.05%
NEWT
136.02%
Free Cash Flow Yield
CZNC
9.65%
NEWT
N/A
P/S Ratio
CZNC
3.43
Winner
NEWT
1.01
P/B Ratio
CZNC
1.14
Winner
NEWT
1.10

CZNC vs NEWT - Historical Returns

Returns include dividend reinvestment.

1M
CZNC
+5.05%
Winner
NEWT
+7.12%
3M
CZNC
+3.15%
Winner
NEWT
+21.39%
6M
CZNC
+4.40%
Winner
NEWT
+21.40%
1Y
CZNC
+23.68%
Winner
NEWT
+36.61%
5Y(CAGR)
Winner
CZNC
+2.80%
NEWT
-10.61%
10Y(CAGR)
CZNC
+5.89%
Winner
NEWT
+10.86%
Max(CAGR)
Winner
CZNC
+5.42%
NEWT
+1.71%

CZNC vs NEWT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCZNCNEWT
2026+13.28%+24.57%
2025+16.98%-4.50%
2024-13.54%-1.24%
2023+3.80%-12.52%
2022-8.18%-31.57%
2021+35.53%+61.55%
2020-25.64%-2.12%
2019+11.86%+39.61%
2018+14.65%+4.51%
2017-4.00%+24.87%
2016+35.90%+29.70%
2015+6.44%+24.71%
2014+6.82%-6.29%
2013+13.78%+61.03%
2012+4.51%+57.63%
2011+25.65%-33.53%
2010+58.99%+79.17%
2009-49.99%+355.14%
2008+17.35%-82.40%
2007-14.91%-38.00%
2006-10.49%+7.57%
2005-0.87%-52.46%
2004+6.18%-37.77%
2003+35.71%+59.54%
2002+27.68%+37.19%
2001+36.99%+7.64%
2000-22.66%-50.94%
1999-6.13%N/A

CZNC vs NEWT Drawdown Comparison

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

The maximum drawdown for NEWT was -97.33%, occurring on Dec 29, 2008. Recovery took 3670 trading sessions.

The current CZNC drawdown is -6.54%. The current NEWT drawdown is -44.54%.

RankCZNCNEWT
#1-72.51%
Jul 22, 2005 - Sep 27, 2016
-97.33%
Jan 14, 2004 - Aug 13, 2018
#2-44.88%
May 14, 2019 - Oct 7, 2021
-68.65%
Sep 27, 2000 - Dec 29, 2003
#3-36.38%
Dec 6, 1999 - Apr 8, 2002
-65.22%
Jun 4, 2021 - Mar 18, 2024
#4-34.20%
Nov 11, 2021 - Jan 22, 2026
-56.78%
Dec 17, 2019 - Jan 21, 2021
#5-17.45%
Jan 20, 2005 - May 27, 2005
-30.82%
Aug 14, 2018 - May 3, 2019
#6-16.65%
Aug 24, 2018 - Apr 26, 2019
-11.60%
Jul 5, 2019 - Sep 13, 2019
#7-14.80%
Nov 29, 2017 - Jun 1, 2018
-9.52%
Sep 19, 2019 - Nov 25, 2019
#8-14.21%
Apr 9, 2026 - May 15, 2026
-9.49%
May 6, 2019 - Jun 13, 2019
#9-13.65%
Dec 27, 2016 - Oct 10, 2017
-7.62%
Mar 17, 2021 - Apr 29, 2021
#10-11.33%
Oct 16, 2017 - Nov 29, 2017
-4.33%
Jan 26, 2021 - Feb 2, 2021
#11-10.30%
Feb 13, 2026 - Apr 9, 2026
-4.26%
Jan 5, 2004 - Jan 14, 2004
#12-8.80%
Dec 31, 2003 - Dec 16, 2004
-3.73%
May 5, 2021 - May 12, 2021
#13-7.39%
Nov 23, 2016 - Dec 19, 2016
-3.00%
Jun 24, 2019 - Jul 5, 2019
#14-7.31%
Nov 1, 1999 - Dec 2, 1999
-2.40%
May 18, 2021 - May 21, 2021
#15-7.12%
Nov 6, 2002 - Apr 2, 2003
-2.06%
Mar 3, 2021 - Mar 8, 2021

Correlation

Correlation between CZNC and NEWT is 0.81 which considered as a strong positive correlation - the stocks tend to move together.

0.81
-101

Dividend Comparison (1999 - 2026)

CZNC vs NEWT dividend yield comparison.

YearCZNCNEWT
20262.54%1.36%
20255.55%6.70%
20246.02%5.95%
20234.99%5.22%
20224.90%17.54%
20214.25%11.40%
20205.44%10.41%
20193.82%9.49%
20184.09%10.32%
20174.33%8.87%
20163.97%12.14%
20154.95%28.28%
20145.03%0.00%
20134.85%0.00%
20124.44%0.00%
20113.14%0.00%
20102.62%0.00%
20097.55%2.04%
20084.86%0.00%
20075.40%0.00%
20064.33%0.00%
20053.60%0.00%
20043.27%0.00%
20032.87%0.00%
20023.71%0.00%
20014.05%0.00%
20004.82%0.00%
19990.82%0.00%

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