CZNC vs ULH

Comparison between Citizens & Northern Corp (CZNC, Company) and Universal Logistics Holdings Inc (ULH, Company).

CZNC is from the Financial Services sector, while ULH is from the Industrials sector.

5-Year PerformanceCZNC has outperformed ULH, delivering a return of +3.0% compared to -6.6%

CZNC vs ULH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	ULH(COMPANY)
Market Cap	$399M	$399M
Max Drawdown	77.47%	76.70%
Sharpe Ratio	0.96	-0.26
5Y Beta	0.58	1.44
Industry	Banks - Regional	Trucking
P/E Ratio	20.91	-6.23
Forward P/E	11.19	11.17
Dividend Yield	5.20%	2.87%
5Y Dividends CAGR	0.54%	20.11%
5Y EPS CAGR	-7.02%	N/A
Debt to Equity	4.05%	139.31%
Free Cash Flow Yield	9.40%	-7.91%

Market Cap

Winner

CZNC

$399M

ULH

$399M

Max Drawdown

CZNC

77.47%

Winner

ULH

76.70%

Sharpe Ratio

Winner

CZNC

0.96

ULH

-0.26

5Y Beta

Winner

CZNC

0.58

ULH

1.44

Industry

CZNC

Banks - Regional

ULH

Trucking

P/E Ratio

CZNC

20.91

Winner

ULH

-6.23

Forward P/E

CZNC

11.19

Winner

ULH

11.17

Dividend Yield

Winner

CZNC

5.20%

ULH

2.87%

5Y Dividends CAGR

CZNC

0.54%

Winner

ULH

20.11%

5Y EPS CAGR

CZNC

-7.02%

ULH

N/A

Debt to Equity

Winner

CZNC

4.05%

ULH

139.31%

Free Cash Flow Yield

Winner

CZNC

9.40%

ULH

-7.91%

CZNC vs ULH - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	ULH
1 month	+6.83%	+7.24%
3 months	+3.13%	-22.27%
6 months	+11.73%	-1.43%
1 year	+25.41%	-38.76%
5 years(CAGR)	+3.04%	-6.56%
10 years(CAGR)	+6.12%	+3.36%
Max(CAGR)	+5.49%	+2.60%

CZNC

+6.83%

Winner

ULH

+7.24%

Winner

CZNC

+3.13%

ULH

-22.27%

Winner

CZNC

+11.73%

ULH

-1.43%

Winner

CZNC

+25.41%

ULH

-38.76%

5Y(CAGR)

Winner

CZNC

+3.04%

ULH

-6.56%

10Y(CAGR)

Winner

CZNC

+6.12%

ULH

+3.36%

Max(CAGR)

Winner

CZNC

+5.49%

ULH

+2.60%

CZNC vs ULH - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	ULH
2026	+15.59%	-0.59%
2025	+16.98%	-64.59%
2024	-13.54%	+62.76%
2023	+3.80%	-16.54%
2022	-8.18%	+81.40%
2021	+35.53%	-7.30%
2020	-25.64%	+12.53%
2019	+11.86%	+3.26%
2018	+14.65%	-23.19%
2017	-4.00%	+49.73%
2016	+35.90%	+19.61%
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 ULH Drawdown Comparison

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

The maximum drawdown for ULH was -76.07%, occurring on May 12, 2026. This drawdown has not yet recovered.

The current CZNC drawdown is -4.63%. The current ULH drawdown is -70.08%.

Rank	CZNC	ULH
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-76.07% Nov 6, 2024 - May 12, 2026
#2	-44.88% May 14, 2019 - Oct 7, 2021	-67.74% Aug 20, 2018 - Aug 3, 2022
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-51.19% Feb 7, 2023 - Apr 26, 2024
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-31.65% Dec 9, 2016 - Sep 6, 2017
#5	-17.45% Jan 20, 2005 - May 27, 2005	-23.68% Aug 18, 2022 - Feb 7, 2023
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-23.64% May 9, 2024 - Nov 6, 2024
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-21.90% Aug 5, 2016 - Dec 7, 2016
#8	-14.21% Apr 9, 2026 - May 15, 2026	-18.16% Jun 15, 2016 - Jul 14, 2016
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-17.14% Jan 17, 2018 - May 29, 2018
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-9.83% May 10, 2016 - Jun 6, 2016
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-8.69% Jul 15, 2016 - Jul 28, 2016
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-7.22% Apr 26, 2024 - May 7, 2024
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-4.44% Nov 2, 2017 - Nov 14, 2017
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-4.32% May 2, 2016 - May 5, 2016
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-3.35% Dec 1, 2017 - Dec 11, 2017

Correlation

Correlation between CZNC and ULH is 0.29 which considered as a very weak or no correlation - the stocks move independently of each other.

0.29

-101

Dividend Comparison (1999 - 2026)

CZNC vs ULH dividend yield comparison.

Year	CZNC	ULH
2026	2.49%	1.39%
2025	5.55%	2.76%
2024	6.02%	0.91%
2023	4.99%	1.50%
2022	4.90%	1.26%
2021	4.25%	2.23%
2020	5.44%	1.02%
2019	3.82%	2.77%
2018	4.09%	2.13%
2017	4.33%	1.18%
2016	3.97%	1.28%
2015	4.95%	0.00%
2014	5.03%	0.00%
2013	4.85%	0.00%
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%