Which has the lower trailing P/E, ACIC or CZNC?

ACIC has the lower trailing P/E: ACIC trades at 4.68 and CZNC at 17.36. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ACIC or CZNC?

Over the past five years, CZNC grew revenue faster — ACIC at a -15.60% CAGR versus CZNC at 8.12%.

Does ACIC or CZNC pay a bigger dividend?

CZNC pays a dividend (4.39% yield), while ACIC is a former payer with no current dividend run rate.

Is ACIC or CZNC more profitable?

ACIC runs the higher net margin — ACIC at 30.33% versus CZNC at 15.42%.

How have ACIC and CZNC total returns compared?

Over the past 10 years, ACIC delivered -3.70% and CZNC delivered 6.80% annualized total return. Past performance doesn't predict future results.

American Coastal Insurance Corporation (ACIC) vs Citizens & Northern Corporation (CZNC)

A side-by-side comparison of American Coastal Insurance Corporation and Citizens & Northern Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ACIC

American Coastal Insurance Corporation

$456M

$9.42Financial ServicesDelayed quote: Oct 6, 2026, 2:20 PM EDT

CZNC

Citizens & Northern Corporation

$459M

$25.61Financial ServicesDelayed quote: Oct 6, 2026, 2:20 PM EDT

Total return — ACIC vs CZNC

growth of $100 · dividends reinvested · last 10y

ACIC -29.3% (-3.4%/yr)CZNC +91.7% (+6.7%/yr)CZNC compounded faster over this window

ACIC CZNC

ACIC vs CZNC: by the numbers

•CZNC is the larger company ($459M vs $456M market cap).
•ACIC trades at the lower trailing earnings multiple (4.68 vs 17.36 P/E), one valuation lens rather than an overall verdict.
•ACIC converts more revenue to profit (30.33% vs 15.42% net margin).
•CZNC grew revenue faster over the past five years (8.12% vs -15.60% CAGR).
•CZNC pays a dividend (4.39% yield), while ACIC is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	ACIC	CZNC
P/E ratio	4.68	17.36
Forward P/E	9.81	11.80
PEG ratio	N/A	6.92
P/S ratio	1.38	2.79
P/B ratio	1.34	1.33

Profitability

Metric	ACIC	CZNC
Operating margin	40.30%	18.58%
Net margin	30.33%	15.42%
ROE	29.40%	7.32%

American Coastal Insurance Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Citizens & Northern Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ACIC	CZNC
Dividend yield	N/A	4.39%
Payout ratio	N/A	75.91%

Growth (annualized)

Metric	ACIC	CZNC
Revenue CAGR (5Y)	-15.60%	8.12%
EPS CAGR (5Y)	N/A	2.35%
Total return CAGR (5Y)	20.03%	5.00%

Frequently asked

Which has the lower trailing P/E, ACIC or CZNC?: ACIC has the lower trailing P/E: ACIC trades at 4.68 and CZNC at 17.36. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ACIC or CZNC?: Over the past five years, CZNC grew revenue faster — ACIC at a -15.60% CAGR versus CZNC at 8.12%.
Does ACIC or CZNC pay a bigger dividend?: CZNC pays a dividend (4.39% yield), while ACIC is a former payer with no current dividend run rate.
Is ACIC or CZNC more profitable?: ACIC runs the higher net margin — ACIC at 30.33% versus CZNC at 15.42%.
How have ACIC and CZNC total returns compared?: Over the past 10 years, ACIC delivered -3.70% and CZNC delivered 6.80% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ACIC analysis Full CZNC analysis Interactive comparison tool

Dig into the metrics

American Coastal Insurance P/E ratio Citizens & Northern P/E ratio Citizens & Northern dividend yield American Coastal Insurance ROE Citizens & Northern ROE American Coastal Insurance operating margin Citizens & Northern operating margin American Coastal Insurance revenue growth Citizens & Northern revenue growth

American Coastal Insurance & Citizens & Northern appear in these rankings

Highest Dividend Yield Stocks Highest ROE Stocks Highest Operating Margin Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.