Citizens & Northern Corporation (CZNC) vs RBB Bancorp (RBB)
A side-by-side comparison of Citizens & Northern Corporation and RBB Bancorp 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 RBB
growth of $100 · dividends reinvested · last 9yCZNC vs RBB: by the numbers
- •CZNC is the larger company ($456M vs $442M market cap).
- •RBB trades at the lower trailing earnings multiple (10.74 vs 17.23 P/E), one valuation lens rather than an overall verdict.
- •RBB converts more revenue to profit (17.26% vs 15.42% net margin).
- •RBB grew revenue faster over the past five years (8.66% vs 8.12% CAGR).
- •CZNC pays the higher dividend yield (4.39% vs 2.44%).
Metrics side by side
Valuation
| Metric | CZNC | RBB |
|---|---|---|
| P/E ratio | 17.23 | 10.74 |
| Forward P/E | 11.72 | 10.88 |
| PEG ratio | 6.87 | 5.14 |
| P/S ratio | 2.77 | 1.83 |
| P/B ratio | 1.32 | 0.83 |
Profitability
| Metric | CZNC | RBB |
|---|---|---|
| Operating margin | 18.58% | 23.06% |
| Net margin | 15.42% | 17.26% |
| ROE | 7.32% | 7.80% |
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.
RBB Bancorp: 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 | RBB |
|---|---|---|
| Dividend yield | 4.39% | 2.44% |
| Payout ratio | 75.91% | 26.34% |
Growth (annualized)
| Metric | CZNC | RBB |
|---|---|---|
| Revenue CAGR (5Y) | 8.12% | 8.66% |
| EPS CAGR (5Y) | 2.35% | 2.08% |
| Total return CAGR (5Y) | 5.00% | 4.03% |
Frequently asked
- Which has the lower trailing P/E, CZNC or RBB?
- RBB has the lower trailing P/E: CZNC trades at 17.23 and RBB at 10.74. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CZNC or RBB?
- Over the past five years, RBB grew revenue faster — CZNC at a 8.12% CAGR versus RBB at 8.66%.
- Does CZNC or RBB pay a bigger dividend?
- CZNC yields 4.39% and RBB yields 2.44% based on trailing dividends and the latest price.
- Is CZNC or RBB more profitable?
- RBB runs the higher net margin — CZNC at 15.42% versus RBB at 17.26%.
- How have CZNC and RBB total returns compared?
- Over the past 5 years, CZNC delivered 5.00% and RBB delivered 4.03% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Citizens & Northern & RBB 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.