Citizens & Northern (CZNC) vs Plumas Bancorp (PLBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Plumas Bancorp (PLBC) has outperformed Citizens & Northern (CZNC) over the past year, gaining 45.6% versus a gain of 28.8%. Over five years, PLBC leads with a +70.9% price change compared with -3.7% for CZNC. Citizens & Northern is the larger company by market cap ($452.0 million vs $426.4 million), about 1.1 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 10.4x for Plumas Bancorp). Citizens & Northern offers the higher dividend yield (4.44% vs 2.06%).
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 | PLBC |
|---|---|---|
| Share price | $25.20 | $61.27 |
| Market cap | $451.96M | $426.38M |
| 1-day change | +0.00% | -0.16% |
| YTD return | +24.94% | +37.32% |
| 1-year return | +28.83% | +45.63% |
| 5-year return | -3.67% | +70.95% |
| P/E ratio (TTM) | 17.14 | 11.97 |
| Forward P/E | 9.16 | 10.39 |
| EPS (TTM) | $1.47 | $5.12 |
| Dividend yield | 4.44% | 2.06% |
| Annual dividend | $1.12 | $1.26 |
| 52-week high | $26.37 | $64.00 |
| 52-week low | $18.87 | $39.80 |
| Distance from 52-week high | -4.44% | -4.27% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.14% | +9.89% |
| Average volume | 63.30K | 54.06K |
| Shares outstanding | 17.93M | 6.96M |
| Employees | 460 | 238 |
| Sector | Finance | Finance |
| Industry | Major Banks | Finance Companies |
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
- PLBC has outperformed CZNC by 16.8 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.1x vs 12.0x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.44% vs 2.06%).
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 Plumas Bancorp
PLBC stock →Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses and individuals. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, as well as time and remote deposits.
Finance · Finance Companies · 238 employees
CZNC vs PLBC FAQ
Which is bigger, Citizens & Northern or Plumas Bancorp?
Citizens & Northern (CZNC) is larger, with a market capitalization of $451.96M compared with $426.38M for Plumas Bancorp (PLBC).
Which stock has performed better over the past year, CZNC or PLBC?
PLBC returned +45.63% over the past 12 months, compared with +28.83% for CZNC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CZNC or PLBC?
PLBC has the lower trailing P/E at 12.0, versus 17.1 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 Plumas Bancorp?
Citizens & Northern has the higher yield at 4.44%, compared with 2.06% for Plumas Bancorp.
Are Citizens & Northern and Plumas Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Citizens & Northern and Finance Companies for Plumas Bancorp.