CZNC vs FNRN
CZNC: Citizens & Northern is a community-focused bank holding company providing diversified banking, wealth management, and insurance services across Pennsylvania and New York. FNRN: A Northern California community bank focused on providing commercial and personal banking services to individuals and small-to-medium enterprises.
Side-by-side fundamentals
| Metric | CZNC | FNRN | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $25.39 | $18.50 | |
| Market cap as of 2026-08-03 | $455M | $304M | |
| P/E as of 2026-08-03 | 23.26 | 14.29 | FNRN lower |
| PEG as of 2026-08-03 | n/a | 1.11 | |
| Net margin as of 2026-08-03 | +25.6% | +26.5% | FNRN higher |
| Operating margin as of 2026-08-03 | +31.6% | +36.6% | FNRN higher |
| ROE as of 2026-08-03 | +5.5% | +10.6% | FNRN higher |
| ROA as of 2026-08-03 | +0.6% | +1.1% | FNRN higher |
| Debt / equity as of 2026-08-03 | 0.12 | 0.00 | FNRN lower |
| Revenue growth (YoY) as of 2026-08-03 | +23.9% | +38.1% | FNRN higher |
| Dividend yield as of 2026-08-03 | +4.4% | +0.0% | CZNC higher |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-08-03 | 0.57 | 0.03 | |
| 1-year return as of 2026-07-31 close | +33.5% | +84.1% | FNRN higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.