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CZNC vs SPY

Comparison between Citizens & Northern Corp (CZNC, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed CZNC, delivering a return of +12.4% compared to +4.9%

CZNC vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
CZNC
$415M
Winner
SPY
$781B
Expense Ratio
CZNC
N/A
SPY
0.09%
Max Drawdown
CZNC
77.47%
Winner
SPY
56.47%
Sharpe Ratio
CZNC
0.89
Winner
SPY
1.12
5Y Beta
Winner
CZNC
0.56
SPY
1.00
Industry
CZNC
Banks - Regional
SPY
N/A
P/E Ratio
Winner
CZNC
21.59
SPY
28.53
Forward P/E
Winner
CZNC
11.19
SPY
21.47
PEG Ratio
CZNC
1.21
SPY
N/A
Dividend Yield
CZNC
4.83%
SPY
N/A
5Y Dividends CAGR
CZNC
0.54%
Winner
SPY
6.00%
5Y EPS CAGR
CZNC
-7.07%
Winner
SPY
25.58%
Debt to Equity
Winner
CZNC
4.05%
SPY
32.09%
Free Cash Flow Yield
CZNC
9.04%
SPY
N/A
P/S Ratio
Winner
CZNC
3.68
SPY
3.75
P/B Ratio
Winner
CZNC
1.25
SPY
5.64

CZNC vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
CZNC
+8.17%
SPY
+0.78%
3M
Winner
CZNC
+6.64%
SPY
+3.76%
6M
Winner
CZNC
+15.50%
SPY
+7.78%
1Y
Winner
CZNC
+34.10%
SPY
+17.76%
5Y(CAGR)
CZNC
+4.91%
Winner
SPY
+12.44%
10Y(CAGR)
CZNC
+6.67%
Winner
SPY
+14.90%
Max(CAGR)
CZNC
+5.79%
Winner
SPY
+8.44%

CZNC vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCZNCSPY
2026+25.04%+8.74%
2025+16.98%+18.00%
2024-13.54%+25.59%
2023+3.80%+26.72%
2022-8.18%-18.64%
2021+35.53%+30.52%
2020-25.64%+17.28%
2019+11.86%+31.09%
2018+14.65%-5.24%
2017-4.00%+20.78%
2016+35.90%+13.59%
2015+6.44%+1.31%
2014+6.82%+14.56%
2013+13.78%+29.00%
2012+4.51%+14.17%
2011+25.65%+0.85%
2010+58.99%+13.14%
2009-49.99%+22.67%
2008+17.35%-36.25%
2007-14.91%+5.32%
2006-10.49%+13.85%
2005-0.87%+5.32%
2004+6.18%+10.75%
2003+35.71%+24.18%
2002+27.68%-22.42%
2001+36.99%-10.13%
2000-22.66%-8.84%
1999-6.13%+8.61%

CZNC vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SPY drawdown is -2.47%.

RankCZNCSPY
#1-72.51%
Jul 22, 2005 - Sep 27, 2016		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-44.88%
May 14, 2019 - Oct 7, 2021		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-36.38%
Dec 6, 1999 - Apr 8, 2002		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-34.20%
Nov 11, 2021 - Jan 22, 2026		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-17.45%
Jan 20, 2005 - May 27, 2005		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-16.65%
Aug 24, 2018 - Apr 26, 2019		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-14.80%
Nov 29, 2017 - Jun 1, 2018		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-14.21%
Apr 9, 2026 - Jul 1, 2026		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-13.65%
Dec 27, 2016 - Oct 10, 2017		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-11.33%
Oct 16, 2017 - Nov 29, 2017		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-10.30%
Feb 13, 2026 - Apr 9, 2026		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-8.80%
Dec 31, 2003 - Dec 16, 2004		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-7.39%
Nov 23, 2016 - Dec 19, 2016		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-7.31%
Nov 1, 1999 - Dec 2, 1999		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-7.12%
Nov 6, 2002 - Apr 2, 2003		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between CZNC and SPY is 0.86 which considered as a strong positive correlation - the stocks tend to move together.

0.86
-101

Dividend Comparison (1999 - 2026)

CZNC vs SPY dividend yield comparison.

YearCZNCSPY
20262.30%0.50%
20255.55%1.07%
20246.02%1.21%
20234.99%1.40%
20224.90%1.65%
20214.25%1.20%
20205.44%1.52%
20193.82%1.75%
20184.09%2.04%
20174.33%1.80%
20163.97%2.03%
20154.95%2.06%
20145.03%1.87%
20134.85%1.81%
20124.44%2.18%
20113.14%2.05%
20102.62%1.80%
20097.55%1.95%
20084.86%3.02%
20075.40%1.85%
20064.33%1.73%
20053.60%1.73%
20043.27%1.82%
20032.87%1.47%
20023.71%1.70%
20014.05%1.25%
20004.82%1.15%
19990.82%0.24%

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