Citizens & Northern Corporation (CZNC) vs Greenlight Capital Re, Ltd. (GLRE)
A side-by-side comparison of Citizens & Northern Corporation and Greenlight Capital Re, Ltd. 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 GLRE
growth of $100 · dividends reinvested · last 10yCZNC vs GLRE: by the numbers
- •GLRE is the larger company ($493M vs $458M market cap).
- •GLRE trades at the lower trailing earnings multiple (10.18 vs 17.34 P/E), one valuation lens rather than an overall verdict.
- •CZNC converts more revenue to profit (15.42% vs 7.68% net margin).
- •CZNC grew revenue faster over the past five years (8.12% vs 4.46% CAGR).
- •CZNC pays a dividend (4.39% yield), while GLRE has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CZNC | GLRE |
|---|---|---|
| P/E ratio | 17.34 | 10.18 |
| Forward P/E | 11.79 | 29.70 |
| PEG ratio | 6.91 | 0.12 |
| P/S ratio | 2.79 | 0.74 |
| P/B ratio | 1.32 | 0.71 |
Profitability
| Metric | CZNC | GLRE |
|---|---|---|
| Operating margin | 18.58% | 8.00% |
| Net margin | 15.42% | 7.68% |
| ROE | 7.32% | 7.31% |
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.
Greenlight Capital Re, Ltd.: 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 | GLRE |
|---|---|---|
| Dividend yield | 4.39% | N/A |
| Payout ratio | 75.91% | N/A |
Growth (annualized)
| Metric | CZNC | GLRE |
|---|---|---|
| Revenue CAGR (5Y) | 8.12% | 4.46% |
| EPS CAGR (5Y) | 2.35% | 82.24% |
| Total return CAGR (5Y) | 5.00% | 15.00% |
Frequently asked
- Which has the lower trailing P/E, CZNC or GLRE?
- GLRE has the lower trailing P/E: CZNC trades at 17.34 and GLRE at 10.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZNC or GLRE?
- Over the past five years, CZNC grew revenue faster — CZNC at a 8.12% CAGR versus GLRE at 4.46%.
- Does CZNC or GLRE pay a bigger dividend?
- CZNC pays a dividend (4.39% yield), while GLRE has no payments in the available dividend history.
- Is CZNC or GLRE more profitable?
- CZNC runs the higher net margin — CZNC at 15.42% versus GLRE at 7.68%.
- How have CZNC and GLRE total returns compared?
- Over the past 10 years, CZNC delivered 6.80% and GLRE delivered -3.23% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens & Northern & Greenlight Capital Re 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.