Citizens & Northern Corporation (CZNC) vs First Bank (FRBA)
A side-by-side comparison of Citizens & Northern Corporation and First Bank 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.
Total return — CZNC vs FRBA
growth of $100 · dividends reinvested · last 10yCZNC vs FRBA: by the numbers
- •CZNC is the larger company ($458M vs $449M market cap).
- •FRBA trades at the lower trailing earnings multiple (10.56 vs 17.34 P/E), one valuation lens rather than an overall verdict.
- •FRBA converts more revenue to profit (17.31% vs 15.42% net margin).
- •FRBA grew revenue faster over the past five years (20.37% vs 8.12% CAGR).
- •CZNC pays the higher dividend yield (4.39% vs 1.87%).
Metrics side by side
Valuation
| Metric | CZNC | FRBA |
|---|---|---|
| P/E ratio | 17.34 | 10.56 |
| Forward P/E | 11.79 | 11.04 |
| PEG ratio | 6.91 | 0.85 |
| P/S ratio | 2.79 | 1.82 |
| P/B ratio | 1.32 | 0.99 |
Profitability
| Metric | CZNC | FRBA |
|---|---|---|
| Operating margin | 18.58% | 22.93% |
| Net margin | 15.42% | 17.31% |
| ROE | 7.32% | 9.39% |
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.
First Bank: 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 | CZNC | FRBA |
|---|---|---|
| Dividend yield | 4.39% | 1.87% |
| Payout ratio | 75.91% | 19.53% |
Growth (annualized)
| Metric | CZNC | FRBA |
|---|---|---|
| Revenue CAGR (5Y) | 8.12% | 20.37% |
| EPS CAGR (5Y) | 2.35% | 12.30% |
| Total return CAGR (5Y) | 5.00% | 6.03% |
Frequently asked
- Which has the lower trailing P/E, CZNC or FRBA?
- FRBA has the lower trailing P/E: CZNC trades at 17.34 and FRBA at 10.56. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZNC or FRBA?
- Over the past five years, FRBA grew revenue faster — CZNC at a 8.12% CAGR versus FRBA at 20.37%.
- Does CZNC or FRBA pay a bigger dividend?
- CZNC yields 4.39% and FRBA yields 1.87% based on trailing dividends and the latest price.
- Is CZNC or FRBA more profitable?
- FRBA runs the higher net margin — CZNC at 15.42% versus FRBA at 17.31%.
- How have CZNC and FRBA total returns compared?
- Over the past 10 years, CZNC delivered 6.80% and FRBA delivered 9.27% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens & Northern & First Bank appear in these rankings
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.