Citizens & Northern (CZNC) vs First Bank (FRBA)
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 First Bank (FRBA) over the past year, gaining 28.8% versus a gain of 13.8%. Over five years, FRBA leads with a +17.4% price change compared with -3.7% for CZNC. Citizens & Northern is the larger company by market cap ($453.2 million vs $438.1 million), about 1.0 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 9.8x for First Bank). Citizens & Northern offers the higher dividend yield (4.43% vs 1.69%).
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 | CZNC | FRBA |
|---|---|---|
| Share price | $25.27 | $17.70 |
| Market cap | $453.21M | $438.15M |
| 1-day change | +0.28% | +0.85% |
| YTD return | +24.94% | +7.53% |
| 1-year return | +28.83% | +13.75% |
| 5-year return | -3.67% | +17.37% |
| P/E ratio (TTM) | 17.19 | 10.29 |
| Forward P/E | 9.19 | 9.81 |
| EPS (TTM) | $1.47 | $1.72 |
| Dividend yield | 4.43% | 1.69% |
| Annual dividend | $1.12 | $0.30 |
| 52-week high | $26.37 | $19.33 |
| 52-week low | $18.87 | $14.41 |
| Distance from 52-week high | -4.17% | -8.43% |
| Analyst consensus | none | buy |
| Avg. price target upside | +6.85% | +12.99% |
| Average volume | 63.12K | 95.83K |
| Shares outstanding | 17.93M | 24.75M |
| Employees | 460 | 338 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | 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 FRBA by 15.1 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.2x vs 10.3x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.43% vs 1.69%).
- The two companies sit in different sectors: Citizens & Northern in Financial Services and First Bank in Finance.
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
About First Bank
FRBA stock →First Bank provides various banking products and services to small and mid-sized businesses and individuals. It accepts various deposits, including non-interest- and interest-bearing demand deposits, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking and cash management accounts.
Finance · Major Banks · 338 employees
CZNC vs FRBA FAQ
Which is bigger, Citizens & Northern or First Bank?
Citizens & Northern (CZNC) is larger, with a market capitalization of $453.21M compared with $438.15M for First Bank (FRBA).
Which stock has performed better over the past year, CZNC or FRBA?
CZNC returned +28.83% over the past 12 months, compared with +13.75% for FRBA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZNC or FRBA?
FRBA has the lower trailing P/E at 10.3, 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, Citizens & Northern or First Bank?
Citizens & Northern has the higher yield at 4.43%, compared with 1.69% for First Bank.
Are Citizens & Northern and First Bank in the same industry?
No. Citizens & Northern is in the Financial Services sector, while First Bank is in Finance.