LDI vs CZNC

Comparison between LoanDepot Inc - Class A (LDI, Company) and Citizens & Northern Corp (CZNC, Company).

Both LDI and CZNC are from the Financial Services sector.

5-Year PerformanceCZNC has outperformed LDI, delivering a return of +2.3% compared to -38.1%

LDI vs CZNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LDI(COMPANY)	CZNC(COMPANY)
Market Cap	$380M	$379M
Max Drawdown	96.76%	77.47%
Sharpe Ratio	0.33	0.86
5Y Beta	0.87	0.61
Industry	Mortgage Finance	Banks - Regional
P/E Ratio	-4.53	19.70
Forward P/E	14.86	11.19
PEG Ratio	N/A	1.21
Dividend Yield	N/A	5.36%
5Y Dividends CAGR	N/A	0.54%
5Y EPS CAGR	N/A	-7.07%
Debt to Equity	482.53%	4.05%
Free Cash Flow Yield	-13.94%	9.91%
P/S Ratio	0.68	3.35
P/B Ratio	1.87	1.13

Market Cap

Winner

LDI

$380M

CZNC

$379M

Max Drawdown

LDI

96.76%

Winner

CZNC

77.47%

Sharpe Ratio

LDI

0.33

Winner

CZNC

0.86

5Y Beta

LDI

0.87

Winner

CZNC

0.61

Industry

LDI

Mortgage Finance

CZNC

Banks - Regional

P/E Ratio

Winner

LDI

-4.53

CZNC

19.70

Forward P/E

LDI

14.86

Winner

CZNC

11.19

PEG Ratio

LDI

N/A

CZNC

1.21

Dividend Yield

LDI

N/A

CZNC

5.36%

5Y Dividends CAGR

LDI

N/A

CZNC

0.54%

5Y EPS CAGR

LDI

N/A

CZNC

-7.07%

Debt to Equity

LDI

482.53%

Winner

CZNC

4.05%

Free Cash Flow Yield

LDI

-13.94%

Winner

CZNC

9.91%

P/S Ratio

Winner

LDI

0.68

CZNC

3.35

P/B Ratio

LDI

1.87

Winner

CZNC

1.13

LDI vs CZNC - Historical Returns

Returns include dividend reinvestment.

Period	LDI	CZNC
1 month	-20.13%	-1.79%
3 months	-33.52%	-2.97%
6 months	-56.41%	+8.12%
1 year	-5.56%	+24.80%
5 years(CAGR)	-38.06%	+2.31%
10 years(CAGR)	N/A	+5.53%
Max(CAGR)	-41.33%	+5.29%

LDI

-20.13%

Winner

CZNC

-1.79%

LDI

-33.52%

Winner

CZNC

-2.97%

LDI

-56.41%

Winner

CZNC

+8.12%

LDI

-5.56%

Winner

CZNC

+24.80%

5Y(CAGR)

LDI

-38.06%

Winner

CZNC

+2.31%

10Y(CAGR)

LDI

N/A

CZNC

+5.53%

Max(CAGR)

LDI

-41.33%

Winner

CZNC

+5.29%

LDI vs CZNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	LDI	CZNC
2026	-43.06%	+9.64%
2025	+6.15%	+16.98%
2024	-40.00%	-13.54%
2023	+115.95%	+3.80%
2022	-67.01%	-8.18%
2021	-76.71%	+35.53%
2020	N/A	-25.64%
2019	N/A	+11.86%
2018	N/A	+14.65%
2017	N/A	-4.00%
2016	N/A	+35.90%
2015	N/A	+6.44%
2014	N/A	+6.82%
2013	N/A	+13.78%
2012	N/A	+4.51%
2011	N/A	+25.65%
2010	N/A	+58.99%
2009	N/A	-49.99%
2008	N/A	+17.35%
2007	N/A	-14.91%
2006	N/A	-10.49%
2005	N/A	-0.87%
2004	N/A	+6.18%
2003	N/A	+35.71%
2002	N/A	+27.68%
2001	N/A	+36.99%
2000	N/A	-22.66%
1999	N/A	-6.13%

LDI vs CZNC Drawdown Comparison

The maximum drawdown for LDI was -96.47%, occurring on May 6, 2025. This drawdown has not yet recovered.

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

The current LDI drawdown is -95.89%. The current CZNC drawdown is -9.55%.

Rank	LDI	CZNC
#1	-96.47% Feb 12, 2021 - May 6, 2025	-72.51% Jul 22, 2005 - Sep 27, 2016
#2	N/A	-44.88% May 14, 2019 - Oct 7, 2021
#3	N/A	-36.38% Dec 6, 1999 - Apr 8, 2002
#4	N/A	-34.20% Nov 11, 2021 - Jan 22, 2026
#5	N/A	-17.45% Jan 20, 2005 - May 27, 2005
#6	N/A	-16.65% Aug 24, 2018 - Apr 26, 2019
#7	N/A	-14.80% Nov 29, 2017 - Jun 1, 2018
#8	N/A	-14.21% Apr 9, 2026 - May 15, 2026
#9	N/A	-13.65% Dec 27, 2016 - Oct 10, 2017
#10	N/A	-11.33% Oct 16, 2017 - Nov 29, 2017
#11	N/A	-10.30% Feb 13, 2026 - Apr 9, 2026
#12	N/A	-8.80% Dec 31, 2003 - Dec 16, 2004
#13	N/A	-7.39% Nov 23, 2016 - Dec 19, 2016
#14	N/A	-7.31% Nov 1, 1999 - Dec 2, 1999
#15	N/A	-7.12% Nov 6, 2002 - Apr 2, 2003

Correlation

Correlation between LDI and CZNC is -0.02 which considered as a very weak or no correlation - the stocks move independently of each other.

-0.02

-101

Dividend Comparison (1999 - 2026)

LDI vs CZNC dividend yield comparison.

Year	LDI	CZNC
2026	0.00%	2.62%
2025	0.00%	5.55%
2024	0.00%	6.02%
2023	0.00%	4.99%
2022	4.85%	4.90%
2021	17.75%	4.25%
2020	0.00%	5.44%
2019	0.00%	3.82%
2018	0.00%	4.09%
2017	0.00%	4.33%
2016	0.00%	3.97%
2015	0.00%	4.95%
2014	0.00%	5.03%
2013	0.00%	4.85%
2012	0.00%	4.44%
2011	0.00%	3.14%
2010	0.00%	2.62%
2009	0.00%	7.55%
2008	0.00%	4.86%
2007	0.00%	5.40%
2006	0.00%	4.33%
2005	0.00%	3.60%
2004	0.00%	3.27%
2003	0.00%	2.87%
2002	0.00%	3.71%
2001	0.00%	4.05%
2000	0.00%	4.82%
1999	0.00%	0.82%