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

CBK has the lower trailing P/E: CBK trades at 10.73 and CZNC at 17.23. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does CBK or CZNC pay a bigger dividend?

CBK yields 1.02% and CZNC yields 4.39% based on trailing dividends and the latest price.

Is CBK or CZNC more profitable?

CBK runs the higher net margin — CBK at 30.36% versus CZNC at 15.42%.

Commercial Bancgroup, Inc. Common Stock (CBK) vs Citizens & Northern Corporation (CZNC)

A side-by-side comparison of Commercial Bancgroup, Inc. Common Stock 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.

CBK

Commercial Bancgroup, Inc. Common Stock

$431M

$31.43Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

CZNC

Citizens & Northern Corporation

$456M

$25.43Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — CBK vs CZNC

growth of $100 · dividends reinvested · last 1y

CBK +31.8% (+31.8%/yr)CZNC +35.6% (+35.6%/yr)CZNC compounded faster over this window

CBK CZNC

CBK vs CZNC: by the numbers

•CZNC is the larger company ($456M vs $431M market cap).
•CBK trades at the lower trailing earnings multiple (10.73 vs 17.23 P/E), one valuation lens rather than an overall verdict.
•CBK converts more revenue to profit (30.36% vs 15.42% net margin).
•CZNC pays the higher dividend yield (4.39% vs 1.02%).

Metrics side by side

Valuation

Metric	CBK	CZNC
P/E ratio	10.73	17.23
Forward P/E	10.55	11.72
PEG ratio	N/A	6.87
P/S ratio	3.34	2.77
P/B ratio	1.42	1.32

Profitability

Metric	CBK	CZNC
Operating margin	38.60%	18.58%
Net margin	30.36%	15.42%
ROE	12.93%	7.32%

Commercial Bancgroup, Inc. Common Stock: 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	CBK	CZNC
Dividend yield	1.02%	4.39%
Payout ratio	10.92%	75.91%

Growth (annualized)

Metric	CBK	CZNC
Revenue CAGR (5Y)	N/A	8.12%
EPS CAGR (5Y)	N/A	2.35%
Total return CAGR (5Y)	N/A	5.00%

Frequently asked

Which has the lower trailing P/E, CBK or CZNC?: CBK has the lower trailing P/E: CBK trades at 10.73 and CZNC at 17.23. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does CBK or CZNC pay a bigger dividend?: CBK yields 1.02% and CZNC yields 4.39% based on trailing dividends and the latest price.
Is CBK or CZNC more profitable?: CBK runs the higher net margin — CBK at 30.36% versus CZNC at 15.42%.

Go deeper

Full CBK analysis Full CZNC analysis Interactive comparison tool

Dig into the metrics

Commercial Bancgroup, Inc. Common Stock P/E ratio Citizens & Northern P/E ratio Commercial Bancgroup, Inc. Common Stock dividend yield Citizens & Northern dividend yield Commercial Bancgroup, Inc. Common Stock ROE Citizens & Northern ROE Commercial Bancgroup, Inc. Common Stock operating margin Citizens & Northern operating margin Commercial Bancgroup, Inc. Common Stock revenue growth Citizens & Northern revenue growth

Commercial Bancgroup, Inc. Common Stock & Citizens & Northern appear in these rankings

Highest Dividend Yield 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.