Bank of Marin Bancorp (BMRC) vs Citizens & Northern (CZNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens & Northern (CZNC) has outperformed Bank of Marin Bancorp (BMRC) over the past year, gaining 29.4% versus a gain of 13.0%. Over five years, CZNC leads with a -3.4% price change compared with -28.1% for BMRC. Citizens & Northern is the larger company by market cap ($453.2 million vs $439.5 million), about 1.0 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 11.2x for Bank of Marin Bancorp). Citizens & Northern offers the higher dividend yield (4.43% vs 3.68%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BMRC | CZNC |
|---|---|---|
| Share price | $27.14 | $25.27 |
| Market cap | $439.51M | $453.21M |
| 1-day change | +1.00% | +0.28% |
| YTD return | +4.34% | +25.29% |
| 1-year return | +12.99% | +29.39% |
| 5-year return | -28.14% | -3.40% |
| P/E ratio (TTM) | — | 17.19 |
| Forward P/E | 11.23 | 9.19 |
| EPS (TTM) | $-0.90 | $1.47 |
| Dividend yield | 3.68% | 4.43% |
| Annual dividend | $1.00 | $1.12 |
| 52-week high | $30.92 | $26.37 |
| 52-week low | $22.50 | $18.87 |
| Distance from 52-week high | -12.23% | -4.17% |
| Analyst consensus | buy | none |
| Avg. price target upside | +16.43% | +6.85% |
| Average volume | 151.89K | 63.12K |
| Shares outstanding | 16.19M | 17.93M |
| Employees | 315 | 460 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CZNC has outperformed BMRC by 16.4 percentage points over the past year.
About Bank of Marin Bancorp
BMRC stock →Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services.
Finance · Major Banks · 315 employees
About Citizens & Northern
CZNC stock →Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit.
Finance · Major Banks · 460 employees
BMRC vs CZNC FAQ
Which is bigger, Bank of Marin Bancorp or Citizens & Northern?
Citizens & Northern (CZNC) is larger, with a market capitalization of $453.21M compared with $439.51M for Bank of Marin Bancorp (BMRC).
Which stock has performed better over the past year, BMRC or CZNC?
CZNC returned +29.39% over the past 12 months, compared with +12.99% for BMRC (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Bank of Marin Bancorp or Citizens & Northern?
Citizens & Northern has the higher yield at 4.43%, compared with 3.68% for Bank of Marin Bancorp.
Are Bank of Marin Bancorp and Citizens & Northern in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.