Colony Bankcorp (CBAN) 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 Colony Bankcorp (CBAN) over the past year, gaining 28.1% versus a gain of 21.7%. Over five years, CBAN leads with a +8.6% price change compared with -4.7% for CZNC. Citizens & Northern is the larger company by market cap ($447.3 million vs $423.8 million), about 1.1 times the size.
On valuation, Colony Bankcorp trades at a lower forward P/E (8.4x vs 9.1x for Citizens & Northern). Citizens & Northern offers the higher dividend yield (4.49% vs 2.35%).
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 | CBAN | CZNC |
|---|---|---|
| Share price | $19.97 | $24.94 |
| Market cap | $423.79M | $447.30M |
| 1-day change | -1.67% | -1.31% |
| YTD return | +13.97% | +23.65% |
| 1-year return | +21.69% | +28.09% |
| 5-year return | +8.55% | -4.66% |
| P/E ratio (TTM) | 12.33 | 16.97 |
| Forward P/E | 8.43 | 9.07 |
| EPS (TTM) | $1.62 | $1.47 |
| Dividend yield | 2.35% | 4.49% |
| Annual dividend | $0.47 | $1.12 |
| 52-week high | $22.46 | $26.37 |
| 52-week low | $15.80 | $18.87 |
| Distance from 52-week high | -11.09% | -5.42% |
| Analyst consensus | none | none |
| Avg. price target upside | +25.84% | +8.26% |
| Average volume | 177.57K | 63.59K |
| Shares outstanding | 21.22M | 17.93M |
| Employees | 528 | 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
- Citizens & Northern trades at a higher earnings multiple (17.0x vs 12.3x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.49% vs 2.35%).
About Colony Bankcorp
CBAN stock →Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to retail and commercial customers in the United States.
Finance · Major Banks · 528 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
CBAN vs CZNC FAQ
Which is bigger, Colony Bankcorp or Citizens & Northern?
Citizens & Northern (CZNC) is larger, with a market capitalization of $447.30M compared with $423.79M for Colony Bankcorp (CBAN).
Which stock has performed better over the past year, CBAN or CZNC?
CZNC returned +28.09% over the past 12 months, compared with +21.69% for CBAN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CBAN or CZNC?
CBAN has the lower trailing P/E at 12.3, versus 17.0 for CZNC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Colony Bankcorp or Citizens & Northern?
Citizens & Northern has the higher yield at 4.49%, compared with 2.35% for Colony Bankcorp.
Are Colony Bankcorp and Citizens & Northern in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.