Citizens & Northern Corporation (CZNC) vs Pioneer Bancorp, Inc. (PBFS)
A side-by-side comparison of Citizens & Northern Corporation and Pioneer Bancorp, Inc. 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 PBFS
growth of $100 · dividends reinvested · last 7yCZNC vs PBFS: by the numbers
- •CZNC is the larger company ($458M vs $441M market cap).
- •CZNC trades at the lower trailing earnings multiple (17.32 vs 25.47 P/E), one valuation lens rather than an overall verdict.
- •CZNC converts more revenue to profit (15.42% vs 12.49% net margin).
- •PBFS grew revenue faster over the past five years (17.71% vs 8.12% CAGR).
- •CZNC pays a dividend (4.39% yield), while PBFS has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CZNC | PBFS |
|---|---|---|
| P/E ratio | 17.32 | 25.47 |
| Forward P/E | 11.78 | N/A |
| PEG ratio | 6.90 | 0.32 |
| P/S ratio | 2.79 | 3.27 |
| P/B ratio | 1.32 | N/A |
Profitability
| Metric | CZNC | PBFS |
|---|---|---|
| Operating margin | 18.58% | 15.89% |
| Net margin | 15.42% | 12.49% |
| ROE | 7.32% | 5.13% |
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.
Pioneer Bancorp, Inc.: 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 | PBFS |
|---|---|---|
| Dividend yield | 4.39% | N/A |
| Payout ratio | 75.91% | N/A |
Growth (annualized)
| Metric | CZNC | PBFS |
|---|---|---|
| Revenue CAGR (5Y) | 8.12% | 17.71% |
| EPS CAGR (5Y) | 2.35% | 80.78% |
| Total return CAGR (5Y) | 5.00% | 6.35% |
Frequently asked
- Which has the lower trailing P/E, CZNC or PBFS?
- CZNC has the lower trailing P/E: CZNC trades at 17.32 and PBFS at 25.47. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZNC or PBFS?
- Over the past five years, PBFS grew revenue faster — CZNC at a 8.12% CAGR versus PBFS at 17.71%.
- Does CZNC or PBFS pay a bigger dividend?
- CZNC pays a dividend (4.39% yield), while PBFS has no payments in the available dividend history.
- Is CZNC or PBFS more profitable?
- CZNC runs the higher net margin — CZNC at 15.42% versus PBFS at 12.49%.
- How have CZNC and PBFS total returns compared?
- Over the past 5 years, CZNC delivered 5.00% and PBFS delivered 6.35% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens & Northern & Pioneer Bancorp 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.