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NEWT vs CZNC

Comparison between NewtekOne Inc (NEWT, Company) and Citizens & Northern Corp (CZNC, Company).

Both NEWT and CZNC are from the Financial Services sector.

5-Year PerformanceCZNC has outperformed NEWT, delivering a return of +2.8% compared to -10.6%

NEWT vs CZNC - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
NEWT
$390M
CZNC
$389M
Max Drawdown
NEWT
97.33%
Winner
CZNC
77.47%
Sharpe Ratio
Winner
NEWT
0.84
CZNC
0.78
5Y Beta
NEWT
1.27
Winner
CZNC
0.60
Industry
NEWT
Banks - Regional
CZNC
Banks - Regional
P/E Ratio
Winner
NEWT
5.91
CZNC
20.37
Forward P/E
Winner
NEWT
5.76
CZNC
11.19
PEG Ratio
Winner
NEWT
0.38
CZNC
1.21
Dividend Yield
Winner
NEWT
5.62%
CZNC
5.25%
5Y Dividends CAGR
NEWT
-14.75%
Winner
CZNC
0.54%
5Y EPS CAGR
NEWT
N/A
CZNC
-7.02%
Debt to Equity
NEWT
136.02%
Winner
CZNC
4.05%
Free Cash Flow Yield
NEWT
N/A
CZNC
9.65%
P/S Ratio
Winner
NEWT
1.01
CZNC
3.43
P/B Ratio
Winner
NEWT
1.10
CZNC
1.14

NEWT vs CZNC - Historical Returns

Returns include dividend reinvestment.

1M
Winner
NEWT
+7.12%
CZNC
+5.05%
3M
Winner
NEWT
+21.39%
CZNC
+3.15%
6M
Winner
NEWT
+21.40%
CZNC
+4.40%
1Y
Winner
NEWT
+36.61%
CZNC
+23.68%
5Y(CAGR)
NEWT
-10.61%
Winner
CZNC
+2.80%
10Y(CAGR)
Winner
NEWT
+10.86%
CZNC
+5.89%
Max(CAGR)
NEWT
+1.71%
Winner
CZNC
+5.42%

NEWT vs CZNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearNEWTCZNC
2026+24.57%+13.28%
2025-4.50%+16.98%
2024-1.24%-13.54%
2023-12.52%+3.80%
2022-31.57%-8.18%
2021+61.55%+35.53%
2020-2.12%-25.64%
2019+39.61%+11.86%
2018+4.51%+14.65%
2017+24.87%-4.00%
2016+29.70%+35.90%
2015+24.71%+6.44%
2014-6.29%+6.82%
2013+61.03%+13.78%
2012+57.63%+4.51%
2011-33.53%+25.65%
2010+79.17%+58.99%
2009+355.14%-49.99%
2008-82.40%+17.35%
2007-38.00%-14.91%
2006+7.57%-10.49%
2005-52.46%-0.87%
2004-37.77%+6.18%
2003+59.54%+35.71%
2002+37.19%+27.68%
2001+7.64%+36.99%
2000-50.94%-22.66%
1999N/A-6.13%

NEWT vs CZNC Drawdown Comparison

The maximum drawdown for NEWT was -97.33%, occurring on Dec 29, 2008. Recovery took 3670 trading sessions.

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

The current NEWT drawdown is -44.54%. The current CZNC drawdown is -6.54%.

RankNEWTCZNC
#1-97.33%
Jan 14, 2004 - Aug 13, 2018
-72.51%
Jul 22, 2005 - Sep 27, 2016
#2-68.65%
Sep 27, 2000 - Dec 29, 2003
-44.88%
May 14, 2019 - Oct 7, 2021
#3-65.22%
Jun 4, 2021 - Mar 18, 2024
-36.38%
Dec 6, 1999 - Apr 8, 2002
#4-56.78%
Dec 17, 2019 - Jan 21, 2021
-34.20%
Nov 11, 2021 - Jan 22, 2026
#5-30.82%
Aug 14, 2018 - May 3, 2019
-17.45%
Jan 20, 2005 - May 27, 2005
#6-11.60%
Jul 5, 2019 - Sep 13, 2019
-16.65%
Aug 24, 2018 - Apr 26, 2019
#7-9.52%
Sep 19, 2019 - Nov 25, 2019
-14.80%
Nov 29, 2017 - Jun 1, 2018
#8-9.49%
May 6, 2019 - Jun 13, 2019
-14.21%
Apr 9, 2026 - May 15, 2026
#9-7.62%
Mar 17, 2021 - Apr 29, 2021
-13.65%
Dec 27, 2016 - Oct 10, 2017
#10-4.33%
Jan 26, 2021 - Feb 2, 2021
-11.33%
Oct 16, 2017 - Nov 29, 2017
#11-4.26%
Jan 5, 2004 - Jan 14, 2004
-10.30%
Feb 13, 2026 - Apr 9, 2026
#12-3.73%
May 5, 2021 - May 12, 2021
-8.80%
Dec 31, 2003 - Dec 16, 2004
#13-3.00%
Jun 24, 2019 - Jul 5, 2019
-7.39%
Nov 23, 2016 - Dec 19, 2016
#14-2.40%
May 18, 2021 - May 21, 2021
-7.31%
Nov 1, 1999 - Dec 2, 1999
#15-2.06%
Mar 3, 2021 - Mar 8, 2021
-7.12%
Nov 6, 2002 - Apr 2, 2003

Correlation

Correlation between NEWT and CZNC is 0.81 which considered as a strong positive correlation - the stocks tend to move together.

0.81
-101

Dividend Comparison (1999 - 2026)

NEWT vs CZNC dividend yield comparison.

YearNEWTCZNC
20261.36%2.54%
20256.70%5.55%
20245.95%6.02%
20235.22%4.99%
202217.54%4.90%
202111.40%4.25%
202010.41%5.44%
20199.49%3.82%
201810.32%4.09%
20178.87%4.33%
201612.14%3.97%
201528.28%4.95%
20140.00%5.03%
20130.00%4.85%
20120.00%4.44%
20110.00%3.14%
20100.00%2.62%
20092.04%7.55%
20080.00%4.86%
20070.00%5.40%
20060.00%4.33%
20050.00%3.60%
20040.00%3.27%
20030.00%2.87%
20020.00%3.71%
20010.00%4.05%
20000.00%4.82%
19990.00%0.82%

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