CZNC vs OSS

Comparison between Citizens & Northern Corp (CZNC, Company) and One Stop Systems Inc (OSS, Company).

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

5-Year PerformanceOSS has outperformed CZNC, delivering a return of +21.4% compared to +3.0%

CZNC vs OSS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	OSS(COMPANY)
Market Cap	$399M	$399M
Max Drawdown	77.47%	83.61%
Sharpe Ratio	0.96	1.73
5Y Beta	0.58	1.77
Industry	Banks - Regional	Computer Hardware
P/E Ratio	20.91	62.13
Forward P/E	11.19	454.55
Dividend Yield	5.20%	N/A
5Y Dividends CAGR	0.54%	N/A
5Y EPS CAGR	-7.02%	30.81%
Debt to Equity	4.05%	0.00%
Free Cash Flow Yield	9.40%	-1.93%

Market Cap

Winner

CZNC

$399M

OSS

$399M

Max Drawdown

Winner

CZNC

77.47%

OSS

83.61%

Sharpe Ratio

CZNC

0.96

Winner

OSS

1.73

5Y Beta

Winner

CZNC

0.58

OSS

1.77

Industry

CZNC

Banks - Regional

OSS

Computer Hardware

P/E Ratio

Winner

CZNC

20.91

OSS

62.13

Forward P/E

Winner

CZNC

11.19

OSS

454.55

Dividend Yield

CZNC

5.20%

OSS

N/A

5Y Dividends CAGR

CZNC

0.54%

OSS

N/A

5Y EPS CAGR

CZNC

-7.02%

Winner

OSS

30.81%

Debt to Equity

CZNC

4.05%

Winner

OSS

0.00%

Free Cash Flow Yield

Winner

CZNC

9.40%

OSS

-1.93%

CZNC vs OSS - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	OSS
1 month	+6.83%	-9.65%
3 months	+3.13%	+78.21%
6 months	+11.73%	+122.82%
1 year	+25.41%	+316.28%
5 years(CAGR)	+3.04%	+21.44%
10 years(CAGR)	+6.12%	+15.29%
Max(CAGR)	+5.49%	+15.29%

Winner

CZNC

+6.83%

OSS

-9.65%

CZNC

+3.13%

Winner

OSS

+78.21%

CZNC

+11.73%

Winner

OSS

+122.82%

CZNC

+25.41%

Winner

OSS

+316.28%

5Y(CAGR)

CZNC

+3.04%

Winner

OSS

+21.44%

10Y(CAGR)

CZNC

+6.12%

Winner

OSS

+15.29%

Max(CAGR)

CZNC

+5.49%

Winner

OSS

+15.29%

CZNC vs OSS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	OSS
2026	+15.59%	+136.91%
2025	+16.98%	+99.44%
2024	-13.54%	+57.58%
2023	+3.80%	-30.46%
2022	-8.18%	-39.56%
2021	+35.53%	+29.92%
2020	-25.64%	+84.76%
2019	+11.86%	-2.42%
2018	+14.65%	-60.25%
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 OSS Drawdown Comparison

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

The maximum drawdown for OSS was -83.61%, occurring on Mar 18, 2020. Recovery took 735 trading sessions.

The current CZNC drawdown is -4.63%. The current OSS drawdown is -19.25%.

Rank	CZNC	OSS
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-83.61% Mar 9, 2018 - Feb 9, 2021
#2	-44.88% May 14, 2019 - Oct 7, 2021	-82.62% Mar 11, 2021 - Jan 12, 2026
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-38.32% Jan 14, 2026 - May 6, 2026
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-22.10% Feb 19, 2021 - Mar 1, 2021
#5	-17.45% Jan 20, 2005 - May 27, 2005	-21.25% Jun 2, 2026 - Jun 9, 2026
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-17.93% Mar 1, 2021 - Mar 11, 2021
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-10.61% May 14, 2026 - May 22, 2026
#8	-14.21% Apr 9, 2026 - May 15, 2026	-8.50% Feb 8, 2018 - Mar 7, 2018
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-5.74% Feb 1, 2018 - Feb 6, 2018
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-5.10% Feb 6, 2018 - Feb 8, 2018
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-2.32% May 11, 2026 - May 14, 2026
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-2.19% May 22, 2026 - May 28, 2026
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-1.61% Feb 10, 2021 - Feb 16, 2021
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-1.50% May 6, 2026 - May 8, 2026
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-1.38% Feb 16, 2021 - Feb 18, 2021