CZNC vs USCB

Comparison between Citizens & Northern Corp (CZNC, Company) and USCB Financial Holdings Inc - Class A (USCB, Company).

Both CZNC and USCB are from the Financial Services sector.

5-Year PerformanceUSCB has outperformed CZNC, delivering a return of +14.0% compared to +2.8%

CZNC vs USCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZNC(COMPANY)	USCB(COMPANY)
Market Cap	$389M	$389M
Max Drawdown	77.47%	44.24%
Sharpe Ratio	0.78	0.59
5Y Beta	0.60	0.83
Industry	Banks - Regional	Banks - Regional
P/E Ratio	20.37	13.34
Forward P/E	11.19	11.45
PEG Ratio	1.21	N/A
Dividend Yield	5.25%	2.20%
5Y Dividends CAGR	0.54%	N/A
5Y EPS CAGR	-7.02%	N/A
Debt to Equity	4.05%	0.00%
Free Cash Flow Yield	9.65%	11.04%
P/S Ratio	3.43	3.86
P/B Ratio	1.14	1.58

Market Cap

Winner

CZNC

$389M

USCB

$389M

Max Drawdown

CZNC

77.47%

Winner

USCB

44.24%

Sharpe Ratio

Winner

CZNC

0.78

USCB

0.59

5Y Beta

Winner

CZNC

0.60

USCB

0.83

Industry

CZNC

Banks - Regional

USCB

Banks - Regional

P/E Ratio

CZNC

20.37

Winner

USCB

13.34

Forward P/E

Winner

CZNC

11.19

USCB

11.45

PEG Ratio

CZNC

1.21

USCB

N/A

Dividend Yield

Winner

CZNC

5.25%

USCB

2.20%

5Y Dividends CAGR

CZNC

0.54%

USCB

N/A

5Y EPS CAGR

CZNC

-7.02%

USCB

N/A

Debt to Equity

CZNC

4.05%

Winner

USCB

0.00%

Free Cash Flow Yield

CZNC

9.65%

Winner

USCB

11.04%

P/S Ratio

Winner

CZNC

3.43

USCB

3.86

P/B Ratio

Winner

CZNC

1.14

USCB

1.58

CZNC vs USCB - Historical Returns

Returns include dividend reinvestment.

Period	CZNC	USCB
1 month	+5.05%	+7.40%
3 months	+3.15%	+8.64%
6 months	+4.40%	+2.38%
1 year	+23.68%	+20.80%
5 years(CAGR)	+2.80%	+14.04%
10 years(CAGR)	+5.89%	N/A
Max(CAGR)	+5.42%	+14.04%

CZNC

+5.05%

Winner

USCB

+7.40%

CZNC

+3.15%

Winner

USCB

+8.64%

Winner

CZNC

+4.40%

USCB

+2.38%

Winner

CZNC

+23.68%

USCB

+20.80%

5Y(CAGR)

CZNC

+2.80%

Winner

USCB

+14.04%

10Y(CAGR)

CZNC

+5.89%

USCB

N/A

Max(CAGR)

CZNC

+5.42%

Winner

USCB

+14.04%

CZNC vs USCB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CZNC	USCB
2026	+13.28%	+8.82%
2025	+16.98%	+7.67%
2024	-13.54%	+47.39%
2023	+3.80%	+0.00%
2022	-8.18%	-15.22%
2021	+35.53%	+29.44%
2020	-25.64%	N/A
2019	+11.86%	N/A
2018	+14.65%	N/A
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 USCB Drawdown Comparison

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

The maximum drawdown for USCB was -44.24%, occurring on May 2, 2023. Recovery took 660 trading sessions.

The current CZNC drawdown is -6.54%. The current USCB drawdown is -4.30%.

Rank	CZNC	USCB
#1	-72.51% Jul 22, 2005 - Sep 27, 2016	-44.24% Dec 7, 2021 - Jul 25, 2024
#2	-44.88% May 14, 2019 - Oct 7, 2021	-23.21% Nov 25, 2024 - Jan 21, 2026
#3	-36.38% Dec 6, 1999 - Apr 8, 2002	-17.25% Aug 26, 2021 - Nov 10, 2021
#4	-34.20% Nov 11, 2021 - Jan 22, 2026	-16.34% Jul 31, 2024 - Nov 6, 2024
#5	-17.45% Jan 20, 2005 - May 27, 2005	-13.61% Jan 22, 2026 - Mar 18, 2026
#6	-16.65% Aug 24, 2018 - Apr 26, 2019	-6.93% Nov 11, 2021 - Nov 18, 2021
#7	-14.80% Nov 29, 2017 - Jun 1, 2018	-5.84% Nov 13, 2024 - Nov 22, 2024
#8	-14.21% Apr 9, 2026 - May 15, 2026	-4.21% Nov 18, 2021 - Dec 6, 2021
#9	-13.65% Dec 27, 2016 - Oct 10, 2017	-3.62% Aug 12, 2021 - Aug 18, 2021
#10	-11.33% Oct 16, 2017 - Nov 29, 2017	-3.23% Aug 18, 2021 - Aug 23, 2021
#11	-10.30% Feb 13, 2026 - Apr 9, 2026	-2.38% Nov 6, 2024 - Nov 8, 2024
#12	-8.80% Dec 31, 2003 - Dec 16, 2004	-2.31% Jul 23, 2021 - Aug 2, 2021
#13	-7.39% Nov 23, 2016 - Dec 19, 2016	-2.28% Jul 25, 2024 - Jul 29, 2024
#14	-7.31% Nov 1, 1999 - Dec 2, 1999	-0.86% Aug 4, 2021 - Aug 12, 2021
#15	-7.12% Nov 6, 2002 - Apr 2, 2003	-0.46% Aug 2, 2021 - Aug 4, 2021

Correlation

Correlation between CZNC and USCB is 0.57 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.57

-101

Dividend Comparison (1999 - 2026)

CZNC vs USCB dividend yield comparison.

Year	CZNC	USCB
2026	2.54%	1.28%
2025	5.55%	2.17%
2024	6.02%	1.13%
2023	4.99%	0.00%
2022	4.90%	0.00%
2021	4.25%	0.00%
2020	5.44%	0.00%
2019	3.82%	0.00%
2018	4.09%	0.00%
2017	4.33%	0.00%
2016	3.97%	0.00%
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%