Citizens & Northern (CZNC) vs Private Bancorp of America (PBAM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Private Bancorp of America (PBAM) has outperformed Citizens & Northern (CZNC) over the past year, gaining 43.3% versus a gain of 29.4%. Over five years, PBAM leads with a +243.9% price change compared with -3.4% for CZNC. Private Bancorp of America is the larger company by market cap ($489.1 million vs $453.2 million), about 1.1 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 9.8x for Private Bancorp of America). Citizens & Northern pays a dividend yielding 4.43%, while Private Bancorp of America does not currently pay one.
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 | PBAM |
|---|---|---|
| Share price | $25.27 | $85.43 |
| Market cap | $453.21M | $489.15M |
| 1-day change | +0.28% | -0.62% |
| YTD return | +25.29% | +48.50% |
| 1-year return | +29.39% | +43.34% |
| 5-year return | -3.40% | +243.92% |
| P/E ratio (TTM) | 17.19 | 11.09 |
| Forward P/E | 9.19 | 9.78 |
| EPS (TTM) | $1.47 | $7.70 |
| Dividend yield | 4.43% | 0.00% |
| Annual dividend | $1.12 | $0.00 |
| 52-week high | $26.37 | $92.09 |
| 52-week low | $18.87 | $54.45 |
| Distance from 52-week high | -4.17% | -7.23% |
| Analyst consensus | none | strong_buy |
| Avg. price target upside | +6.85% | +12.96% |
| Average volume | 63.12K | 73.46K |
| Shares outstanding | 17.93M | 5.73M |
| Employees | 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
- PBAM has outperformed CZNC by 13.9 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.2x vs 11.1x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.43% vs 0.00%).
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
About Private Bancorp of America
PBAM stock →Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California.
Finance · Major Banks
CZNC vs PBAM FAQ
Which is bigger, Citizens & Northern or Private Bancorp of America?
Private Bancorp of America (PBAM) is larger, with a market capitalization of $489.15M compared with $453.21M for Citizens & Northern (CZNC).
Which stock has performed better over the past year, CZNC or PBAM?
PBAM returned +43.34% 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, CZNC or PBAM?
PBAM has the lower trailing P/E at 11.1, 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 Private Bancorp of America?
Citizens & Northern pays a dividend yielding 4.43%, while Private Bancorp of America does not currently pay a regular dividend.
Are Citizens & Northern and Private Bancorp of America in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.