USCB vs CZNC

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

Both USCB and CZNC are from the Financial Services sector.

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

USCB vs CZNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

USCB

$389M

Winner

CZNC

$389M

Max Drawdown

Winner

USCB

44.24%

CZNC

77.47%

Sharpe Ratio

USCB

0.59

Winner

CZNC

0.78

5Y Beta

USCB

0.83

Winner

CZNC

0.60

Industry

USCB

Banks - Regional

CZNC

Banks - Regional

P/E Ratio

Winner

USCB

13.34

CZNC

20.37

Forward P/E

USCB

11.45

Winner

CZNC

11.19

PEG Ratio

USCB

N/A

CZNC

1.21

Dividend Yield

USCB

2.20%

Winner

CZNC

5.25%

5Y Dividends CAGR

USCB

N/A

CZNC

0.54%

5Y EPS CAGR

USCB

N/A

CZNC

-7.02%

Debt to Equity

Winner

USCB

0.00%

CZNC

4.05%

Free Cash Flow Yield

Winner

USCB

11.04%

CZNC

9.65%

P/S Ratio

USCB

3.86

Winner

CZNC

3.43

P/B Ratio

USCB

1.58

Winner

CZNC

1.14

USCB vs CZNC - Historical Returns

Returns include dividend reinvestment.

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

Winner

USCB

+7.40%

CZNC

+5.05%

Winner

USCB

+8.64%

CZNC

+3.15%

USCB

+2.38%

Winner

CZNC

+4.40%

USCB

+20.80%

Winner

CZNC

+23.68%

5Y(CAGR)

Winner

USCB

+14.04%

CZNC

+2.80%

10Y(CAGR)

USCB

N/A

CZNC

+5.89%

Max(CAGR)

Winner

USCB

+14.04%

CZNC

+5.42%

USCB vs CZNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	USCB	CZNC
2026	+8.82%	+13.28%
2025	+7.67%	+16.98%
2024	+47.39%	-13.54%
2023	+0.00%	+3.80%
2022	-15.22%	-8.18%
2021	+29.44%	+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%

USCB vs CZNC Drawdown Comparison

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

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

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

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

Correlation

Correlation between USCB and CZNC 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)

USCB vs CZNC dividend yield comparison.

Year	USCB	CZNC
2026	1.28%	2.54%
2025	2.17%	5.55%
2024	1.13%	6.02%
2023	0.00%	4.99%
2022	0.00%	4.90%
2021	0.00%	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%