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CZNC vs PCB

Comparison between Citizens & Northern Corp (CZNC, Company) and PCB Bancorp. (PCB, Company).

Both CZNC and PCB are from the Financial Services sector.

5-Year PerformancePCB has outperformed CZNC, delivering a return of +14.8% compared to +4.0%

CZNC vs PCB - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
CZNC
$415M
PCB
$414M
Max Drawdown
CZNC
77.47%
Winner
PCB
61.83%
Sharpe Ratio
CZNC
0.89
Winner
PCB
1.28
5Y Beta
Winner
CZNC
0.56
PCB
0.76
Industry
CZNC
Banks - Regional
PCB
Banks - Regional
P/E Ratio
CZNC
21.59
Winner
PCB
10.71
Forward P/E
CZNC
11.19
PCB
N/A
PEG Ratio
CZNC
1.21
Winner
PCB
0.19
Dividend Yield
Winner
CZNC
4.83%
PCB
2.74%
5Y Dividends CAGR
CZNC
0.54%
Winner
PCB
15.77%
5Y EPS CAGR
CZNC
-7.07%
Winner
PCB
23.65%
Debt to Equity
CZNC
4.05%
Winner
PCB
0.00%
Free Cash Flow Yield
CZNC
9.04%
Winner
PCB
10.20%
P/S Ratio
CZNC
3.68
Winner
PCB
3.57
P/B Ratio
Winner
CZNC
1.25
PCB
1.30

CZNC vs PCB - Historical Returns

Returns include dividend reinvestment.

1M
CZNC
+5.30%
Winner
PCB
+6.48%
3M
CZNC
+2.45%
Winner
PCB
+22.15%
6M
CZNC
+10.33%
Winner
PCB
+33.45%
1Y
CZNC
+24.18%
Winner
PCB
+39.39%
5Y(CAGR)
CZNC
+3.96%
Winner
PCB
+14.78%
10Y(CAGR)
CZNC
+6.21%
Winner
PCB
+12.67%
Max(CAGR)
CZNC
+5.60%
Winner
PCB
+10.85%

CZNC vs PCB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCZNCPCB
2026+19.44%+36.42%
2025+16.98%+14.63%
2024-13.54%+16.79%
2023+3.80%+7.81%
2022-8.18%-18.27%
2021+35.53%+122.95%
2020-25.64%-38.69%
2019+11.86%+18.74%
2018+14.65%+6.86%
2017-4.00%+20.27%
2016+35.90%+2.63%
2015+6.44%+4.50%
2014+6.82%+12.55%
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 PCB Drawdown Comparison

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

The maximum drawdown for PCB was -60.91%, occurring on Apr 23, 2020. Recovery took 732 trading sessions.

The current CZNC drawdown is -3.24%. The current PCB drawdown is -5.62%.

RankCZNCPCB
#1-72.51%
Jul 22, 2005 - Sep 27, 2016
-60.91%
Sep 11, 2018 - Aug 9, 2021
#2-44.88%
May 14, 2019 - Oct 7, 2021
-46.48%
Feb 8, 2022 - Jul 3, 2025
#3-36.38%
Dec 6, 1999 - Apr 8, 2002
-31.48%
May 29, 2015 - Dec 19, 2017
#4-34.20%
Nov 11, 2021 - Jan 22, 2026
-11.57%
Aug 6, 2014 - Jan 30, 2015
#5-17.45%
Jan 20, 2005 - May 27, 2005
-11.39%
Aug 22, 2025 - Dec 10, 2025
#6-16.65%
Aug 24, 2018 - Apr 26, 2019
-10.78%
Aug 11, 2021 - Oct 29, 2021
#7-14.80%
Nov 29, 2017 - Jun 1, 2018
-10.56%
May 9, 2018 - Jul 30, 2018
#8-14.21%
Apr 9, 2026 - Jul 1, 2026
-10.25%
Jan 18, 2022 - Feb 3, 2022
#9-13.65%
Dec 27, 2016 - Oct 10, 2017
-10.14%
Dec 16, 2025 - Apr 8, 2026
#10-11.33%
Oct 16, 2017 - Nov 29, 2017
-9.62%
Jul 3, 2025 - Aug 22, 2025
#11-10.30%
Feb 13, 2026 - Apr 9, 2026
-9.18%
Nov 9, 2021 - Jan 13, 2022
#12-8.80%
Dec 31, 2003 - Dec 16, 2004
-8.77%
Jan 30, 2015 - May 26, 2015
#13-7.39%
Nov 23, 2016 - Dec 19, 2016
-5.91%
May 7, 2026 - Jun 5, 2026
#14-7.31%
Nov 1, 1999 - Dec 2, 1999
-5.81%
Dec 26, 2017 - Apr 24, 2018
#15-7.12%
Nov 6, 2002 - Apr 2, 2003
-5.79%
Aug 9, 2018 - Sep 4, 2018

Correlation

Correlation between CZNC and PCB is 0.84 which considered as a strong positive correlation - the stocks tend to move together.

0.84
-101

Dividend Comparison (1999 - 2026)

CZNC vs PCB dividend yield comparison.

YearCZNCPCB
20262.41%1.52%
20255.55%3.70%
20246.02%3.56%
20234.99%3.74%
20224.90%3.39%
20214.25%2.00%
20205.44%3.96%
20193.82%1.45%
20184.09%0.77%
20174.33%0.77%
20163.97%0.92%
20154.95%0.70%
20145.03%0.00%
20134.85%0.00%
20124.44%0.00%
20113.14%0.00%
20102.62%0.00%
20097.55%0.00%
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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