Citizens & Northern (CZNC) vs RBB Bancorp (RBB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
RBB Bancorp (RBB) has outperformed Citizens & Northern (CZNC) over the past year, gaining 42.0% versus a gain of 28.8%. Over five years, RBB leads with a +0.6% price change compared with -3.7% for CZNC. Citizens & Northern is the larger company by market cap ($450.2 million vs $433.7 million), about 1.0 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.1x vs 10.3x for RBB Bancorp). Citizens & Northern offers the higher dividend yield (4.46% vs 2.50%).
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 | RBB |
|---|---|---|
| Share price | $25.10 | $25.64 |
| Market cap | $450.17M | $433.73M |
| 1-day change | -0.40% | -0.85% |
| YTD return | +24.94% | +25.29% |
| 1-year return | +28.83% | +42.01% |
| 5-year return | -3.67% | +0.62% |
| P/E ratio (TTM) | 17.07 | 10.55 |
| Forward P/E | 9.13 | 10.28 |
| EPS (TTM) | $1.47 | $2.43 |
| Dividend yield | 4.46% | 2.50% |
| Annual dividend | $1.12 | $0.64 |
| 52-week high | $26.37 | $28.24 |
| 52-week low | $18.87 | $16.74 |
| Distance from 52-week high | -4.82% | -9.21% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.57% | +10.37% |
| Average volume | 63.30K | 128.91K |
| Shares outstanding | 17.93M | 16.92M |
| Employees | 460 | 369 |
| 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
- RBB has outperformed CZNC by 13.2 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.1x vs 10.6x trailing P/E).
- Citizens & Northern offers a meaningfully higher dividend yield (4.46% vs 2.50%).
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 RBB Bancorp
RBB stock →RBB Bancorp operates as the bank holding company for Royal Business Bank that provides business-banking and consumer products and services to Asian-centric communities in the United States. The company offers deposit products, including checking, savings, money market, and time deposits; retail deposits; brokered deposits, collateralized deposits, and deposits acquired through internet listing services; and certificates of deposit.
Finance · Major Banks · 369 employees
CZNC vs RBB FAQ
Which is bigger, Citizens & Northern or RBB Bancorp?
Citizens & Northern (CZNC) is larger, with a market capitalization of $450.17M compared with $433.73M for RBB Bancorp (RBB).
Which stock has performed better over the past year, CZNC or RBB?
RBB returned +42.01% 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 RBB?
RBB has the lower trailing P/E at 10.6, 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 RBB Bancorp?
Citizens & Northern has the higher yield at 4.46%, compared with 2.50% for RBB Bancorp.
Are Citizens & Northern and RBB Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.