Civista Bancshares (CIVB) 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
Civista Bancshares (CIVB) has outperformed Citizens & Northern (CZNC) over the past year, gaining 29.8% versus a gain of 29.4%. Over five years, CIVB leads with a +6.5% price change compared with -3.4% for CZNC. Civista Bancshares is the larger company by market cap ($560.2 million vs $453.2 million), about 1.2 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 9.2x for Civista Bancshares). Citizens & Northern offers the higher dividend yield (4.43% vs 2.60%).
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 | CIVB | CZNC |
|---|---|---|
| Share price | $26.94 | $25.27 |
| Market cap | $560.20M | $453.21M |
| 1-day change | +1.28% | +0.28% |
| YTD return | +21.24% | +25.29% |
| 1-year return | +29.77% | +29.39% |
| 5-year return | +6.48% | -3.40% |
| P/E ratio (TTM) | 10.01 | 17.19 |
| Forward P/E | 9.24 | 9.19 |
| EPS (TTM) | $2.69 | $1.47 |
| Dividend yield | 2.60% | 4.43% |
| Annual dividend | $0.70 | $1.12 |
| 52-week high | $29.97 | $26.37 |
| 52-week low | $19.82 | $18.87 |
| Distance from 52-week high | -10.11% | -4.17% |
| Analyst consensus | buy | none |
| Avg. price target upside | +14.77% | +6.85% |
| Average volume | 139.88K | 63.12K |
| Shares outstanding | 20.79M | 17.93M |
| Employees | 548 | 460 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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 (17.2x vs 10.0x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.43% vs 2.60%).
About Civista Bancshares
CIVB stock →Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States.
Financial Services · Banks - Regional · 548 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.
Financial Services · Banks - Regional · 460 employees
CIVB vs CZNC FAQ
Which is bigger, Civista Bancshares or Citizens & Northern?
Civista Bancshares (CIVB) is larger, with a market capitalization of $560.20M compared with $453.21M for Citizens & Northern (CZNC).
Which stock has performed better over the past year, CIVB or CZNC?
CIVB returned +29.77% over the past 12 months, compared with +29.39% for CZNC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CIVB or CZNC?
CIVB has the lower trailing P/E at 10.0, versus 17.2 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, Civista Bancshares or Citizens & Northern?
Citizens & Northern has the higher yield at 4.43%, compared with 2.60% for Civista Bancshares.
Are Civista Bancshares and Citizens & Northern in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.