Citizens & Northern (CZNC) vs West Bancorporation (WTBA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
West Bancorporation (WTBA) has outperformed Citizens & Northern (CZNC) over the past year, gaining 45.0% versus a gain of 28.8%. Over five years, CZNC leads with a -3.7% price change compared with -4.4% for WTBA. West Bancorporation is the larger company by market cap ($492.6 million vs $452.0 million), about 1.1 times the size.
On valuation, Citizens & Northern trades at a lower forward P/E (9.2x vs 10.3x for West Bancorporation). Citizens & Northern offers the higher dividend yield (4.44% vs 3.46%).
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 | WTBA |
|---|---|---|
| Share price | $25.20 | $28.90 |
| Market cap | $451.96M | $492.56M |
| 1-day change | -0.90% | -2.13% |
| YTD return | +24.94% | +30.24% |
| 1-year return | +28.83% | +45.01% |
| 5-year return | -3.67% | -4.37% |
| P/E ratio (TTM) | 17.38 | 12.84 |
| Forward P/E | 9.16 | 10.27 |
| EPS (TTM) | $1.45 | $2.25 |
| Dividend yield | 4.44% | 3.46% |
| Annual dividend | $1.12 | $1.00 |
| 52-week high | $26.37 | $30.50 |
| 52-week low | $18.87 | $19.03 |
| Distance from 52-week high | -4.44% | -5.25% |
| Analyst consensus | none | none |
| Avg. price target upside | +7.14% | +0.35% |
| Average volume | 63.59K | 60.92K |
| Shares outstanding | 17.93M | 17.04M |
| Employees | 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
- WTBA has outperformed CZNC by 16.2 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.4x vs 12.8x trailing P/E).
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 West Bancorporation
WTBA stock →West Bancorporation, Inc. operates as the bank holding company for West Bank that provides community banking and trust services to individuals and small- to medium-sized businesses in the United States.
Financial Services · Banks - Regional
CZNC vs WTBA FAQ
Which is bigger, Citizens & Northern or West Bancorporation?
West Bancorporation (WTBA) is larger, with a market capitalization of $492.56M compared with $451.96M for Citizens & Northern (CZNC).
Which stock has performed better over the past year, CZNC or WTBA?
WTBA returned +45.01% 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 WTBA?
WTBA has the lower trailing P/E at 12.8, versus 17.4 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 West Bancorporation?
Citizens & Northern has the higher yield at 4.44%, compared with 3.46% for West Bancorporation.
Are Citizens & Northern and West Bancorporation in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.