Citizens & Northern Corporation (CZNC) Stock Total Returns
Growth of $10,000 chart
2021-04-14 to 2026-04-14 to
$
%
%
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Investment Performance
Final Value
$12,245
Total Return
22.45%
CAGR
4.13%
Dividends
$2,595.84
Yield on Cost
25.96%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.43% |
| Median | -0.32% |
| Best | +30.97% |
| Worst | -18.57% |
| % of Windows Positive | 47.5% |
1-Year (252 Trading Days)
| Average | -0.49% |
| Median | -0.01% |
| Best | +34.05% |
| Worst | -26.75% |
| % of Windows Positive | 49.9% |
3-Year (756 Trading Days)
| Average | -7.49% |
| Median | -9.14% |
| Best | +34.84% |
| Worst | -24.63% |
| % of Windows Positive | 15.4% |
Risk Metrics
| Maximum Drawdown | -35.15% |
| Average Drawdown | -15.52% |
| Drawdown Duration | 1058 Trading Days |
| Sortino Ratio | 0.42 |
| Calmar Ratio | 0.12 |
| CVaR (5%) | -3.98% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +18.11% (+79.41% ann.) | +$1810.77 | $138.82 | $27.76 | $0.22 |
| 2025 | +13.53% | +$1353.02 | $612.37 | $122.47 | $0.98 |
| 2024 | -13.19% | $1319.00 | $507.93 | $101.58 | $0.81 |
| 2023 | +2.56% | +$256.00 | $497.66 | $99.53 | $0.79 |
| 2022 | -9.20% | $919.91 | $434.71 | $86.94 | $0.70 |
| 2021 | +36.75% | +$3674.72 | $568.14 | $113.63 | $0.91 |
| 2020 | -26.59% | $2659.21 | $388.07 | $77.62 | $0.62 |
| 2019 | +10.82% | +$1082.34 | $452.55 | $90.51 | $0.72 |
| 2018 | +13.96% | +$1395.72 | $455.96 | $91.19 | $0.73 |
| 2017 | -5.22% | $521.88 | $402.10 | $80.42 | $0.64 |
| 2016 | +29.86% | +$2986.47 | $502.90 | $100.58 | $0.80 |
| 2015 | +5.90% | +$590.07 | $511.16 | $102.23 | $0.82 |
| 2014 | +4.56% | +$455.57 | $512.27 | $102.45 | $0.82 |
| 2013 | +13.55% | +$1355.17 | $537.07 | $107.42 | $0.86 |
| 2012 | +5.91% | +$591.45 | $460.46 | $92.09 | $0.74 |
| 2011 | +27.80% | +$2779.82 | $394.45 | $78.90 | $0.63 |
| 2010 | +59.79% | +$5979.08 | $413.12 | $82.63 | $0.66 |
| 2009 | -50.07% | $5007.45 | $368.38 | $73.68 | $0.59 |
| 2008 | +16.47% | +$1646.88 | $552.72 | $110.54 | $0.89 |
| 2007 | -15.77% | $1576.65 | $442.90 | $88.58 | $0.71 |
| 2006 | -10.44% | $1043.92 | $377.99 | $75.60 | $0.61 |
| 2005 | -1.54% | $154.24 | $347.91 | $69.59 | $0.56 |
| 2004 | +1.41% | +$140.59 | $163.53 | $32.71 | $0.26 |
| 2003 | +34.36% | +$3436.47 | $272.70 | $54.54 | $0.44 |
| 2002 | +24.76% | +$2475.61 | $454.64 | $90.92 | $0.73 |
| 2001 | +34.41% | +$3441.28 | $403.99 | $80.79 | $0.65 |
| 2000 | -24.41% | $2440.99 | $97.26 | $19.45 | $0.15 |
| 1999 | -23.40% | $2340.39 | $67.61 | $13.52 | $0.11 |
| 1998 | +5.46% | +$545.59 | $0.00 | $0.00 | $0.00 |
| 1997 | +34.32% | +$3432.10 | $0.00 | $0.00 | $0.00 |
| 1996 | +24.23% | +$2422.88 | $82.92 | $16.58 | $0.13 |
| 1995 | +9.33% | +$933.19 | $341.10 | $68.23 | $0.55 |
| 1994 partial | +9.91% (+13.69% ann.) | +$991.30 | $87.94 | $17.59 | $0.14 |
Market Regimes
| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania | August 9, 1995 – March 10, 2000 | +31.06% | +6.08% | +$3105.93 | $377.53 | $75.51 | $0.61 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +33.83% | +11.99% | +$3383.03 | $798.27 | $159.65 | $1.27 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | +3.27% | +0.65% | +$326.98 | $2001.57 | $400.32 | $3.21 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -14.71% | -10.65% | $1470.80 | $684.57 | $136.91 | $1.09 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +27.35% | +7.42% | +$2734.58 | $1366.10 | $273.23 | $2.19 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +94.33% | +9.18% | +$9432.66 | $5174.35 | $1034.86 | $8.27 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -34.44% | -99.19% | $3444.24 | $0.00 | $0.00 | $0.00 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | -7.52% | -11.82% | $751.75 | $428.30 | $85.66 | $0.69 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +42.03% | +39.49% | +$4202.64 | $615.28 | $123.06 | $0.98 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | +0.65% | +0.69% | +$64.65 | $458.96 | $91.79 | $0.74 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | -12.16% | -6.75% | $1215.50 | $828.83 | $165.77 | $1.32 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 14, 2026 | +26.48% | +16.15% | +$2647.75 | $866.62 | $173.32 | $1.39 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 1994-09-26 | $0.0954 | 0.79% |
| 1995-03-28 | $0.0985 | 0.86% |
| 1995-07-06 | $0.0985 | 0.81% |
| 1995-09-28 | $0.0985 | 0.78% |
| 1995-11-28 | $0.1047 | 0.82% |
| 1996-03-28 | $0.1047 | 0.76% |
| 1999-11-24 | $0.1492 | 0.87% |
| 2000-11-22 | $0.1633 | 1.28% |
| 2001-03-29 | $0.1633 | 1.26% |
| 2001-09-27 | $0.1633 | 1.11% |
| 2001-12-27 | $0.1758 | 1.06% |
| 2002-03-27 | $0.1776 | 1.00% |
| 2002-06-27 | $0.1776 | 0.95% |
| 2002-09-27 | $0.1903 | 0.99% |
| 2002-12-26 | $0.1922 | 0.97% |
| 2003-04-03 | $0.1345 | 0.65% |
| 2003-06-26 | $0.2018 | 0.81% |
| 2003-10-02 | $0.2018 | 0.81% |
| 2004-04-01 | $0.2135 | 0.88% |
| 2004-10-01 | $0.2135 | 0.88% |
| 2005-03-31 | $0.2232 | 0.80% |
| 2005-06-30 | $0.2232 | 0.72% |
| 2005-09-29 | $0.2232 | 0.89% |
| 2005-12-27 | $0.2333 | 0.94% |
| 2006-03-30 | $0.2353 | 0.95% |
| 2006-06-30 | $0.2353 | 0.98% |
| 2006-09-28 | $0.2353 | 1.07% |
| 2006-12-28 | $0.2327 | 1.09% |
| 2007-03-30 | $0.2376 | 1.14% |
| 2007-07-02 | $0.2376 | 1.23% |
| 2007-09-27 | $0.2376 | 1.33% |
| 2007-12-28 | $0.2380 | 1.32% |
| 2008-03-28 | $0.2400 | 1.20% |
| 2008-07-01 | $0.2400 | 1.45% |
| 2008-09-29 | $0.2400 | 0.97% |
| 2008-12-31 | $0.2400 | 1.20% |
| 2009-03-30 | $0.2400 | 1.36% |
| 2009-06-29 | $0.2400 | 1.07% |
| 2009-09-29 | $0.2400 | 1.64% |
| 2010-01-28 | $0.0800 | 0.80% |
| 2010-04-29 | $0.0900 | 0.69% |
| 2010-07-29 | $0.1000 | 0.87% |
| 2010-10-28 | $0.1200 | 0.82% |
| 2011-01-27 | $0.1300 | 0.81% |
| 2011-04-28 | $0.1400 | 0.80% |
| 2011-07-28 | $0.1500 | 0.92% |
| 2011-10-28 | $0.1600 | 0.92% |
| 2012-01-26 | $0.1800 | 0.82% |
| 2012-04-27 | $0.2000 | 1.03% |
| 2012-07-30 | $0.2200 | 1.14% |
| 2012-10-31 | $0.2400 | 1.30% |
| 2013-01-31 | $0.2500 | 1.27% |
| 2013-04-25 | $0.2500 | 1.27% |
| 2013-07-25 | $0.2500 | 1.17% |
| 2013-10-31 | $0.2500 | 1.20% |
| 2014-01-30 | $0.2600 | 1.32% |
| 2014-04-24 | $0.2600 | 1.35% |
| 2014-07-24 | $0.2600 | 1.36% |
| 2014-10-31 | $0.2600 | 1.30% |
| 2015-01-29 | $0.2600 | 1.33% |
| 2015-04-30 | $0.2600 | 1.25% |
| 2015-07-30 | $0.2600 | 1.30% |
| 2015-10-29 | $0.2600 | 1.26% |
| 2016-01-28 | $0.2600 | 1.32% |
| 2016-04-28 | $0.2600 | 1.25% |
| 2016-07-28 | $0.2600 | 1.21% |
| 2016-10-27 | $0.2600 | 1.22% |
| 2017-01-26 | $0.2600 | 1.03% |
| 2017-04-27 | $0.2600 | 1.10% |
| 2017-07-27 | $0.2600 | 1.12% |
| 2017-10-27 | $0.2600 | 1.01% |
| 2018-01-26 | $0.2700 | 1.10% |
| 2018-04-27 | $0.2700 | 1.09% |
| 2018-07-27 | $0.2700 | 0.95% |
| 2018-10-26 | $0.2700 | 1.09% |
| 2019-01-25 | $0.3700 | 1.45% |
| 2019-04-26 | $0.2700 | 0.97% |
| 2019-07-26 | $0.2700 | 1.05% |
| 2019-10-25 | $0.2700 | 1.07% |
| 2020-01-24 | $0.2700 | 0.99% |
| 2020-04-24 | $0.2700 | 1.56% |
| 2020-07-24 | $0.2700 | 1.40% |
| 2020-10-30 | $0.2700 | 1.54% |
| 2021-01-29 | $0.2700 | 1.35% |
| 2021-04-30 | $0.2800 | 1.12% |
| 2021-07-30 | $0.2800 | 1.11% |
| 2021-10-29 | $0.2800 | 1.08% |
| 2022-01-28 | $0.2800 | 1.11% |
| 2022-04-29 | $0.2800 | 1.16% |
| 2022-07-29 | $0.2800 | 1.13% |
| 2022-10-28 | $0.2800 | 1.13% |
| 2023-02-02 | $0.2800 | 1.20% |
| 2023-04-28 | $0.2800 | 1.44% |
| 2023-07-28 | $0.2800 | 1.30% |
| 2023-10-27 | $0.2800 | 1.53% |
| 2024-01-26 | $0.2800 | 1.32% |
| 2024-05-03 | $0.2800 | 1.57% |
| 2024-07-29 | $0.2800 | 1.30% |
| 2024-10-28 | $0.2800 | 1.47% |
| 2025-02-03 | $0.2800 | 1.31% |
| 2025-05-02 | $0.2800 | 1.46% |
| 2025-08-04 | $0.2800 | 1.52% |
| 2025-11-03 | $0.2800 | 1.45% |
| 2026-02-02 | $0.2800 | 1.23% |
| Total | 104 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-14 to 2026-04-14. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-04-30 | $117.89 | $23.58 | $0.19 | 3.8108 |
| 2021-07-30 | $118.96 | $23.79 | $0.19 | 3.8453 |
| 2021-10-29 | $120.04 | $24.01 | $0.19 | 3.7569 |
| 2022-01-28 | $121.09 | $24.22 | $0.19 | 3.8441 |
| 2022-04-29 | $122.17 | $24.43 | $0.20 | 4.1665 |
| 2022-07-29 | $123.33 | $24.67 | $0.20 | 4.0307 |
| 2022-10-28 | $124.46 | $24.89 | $0.20 | 4.1752 |
| 2023-02-02 | $125.63 | $25.13 | $0.20 | 4.2792 |
| 2023-04-28 | $126.83 | $25.37 | $0.20 | 5.3016 |
| 2023-07-28 | $128.31 | $25.66 | $0.20 | 4.8415 |
| 2023-10-27 | $129.67 | $25.93 | $0.21 | 5.8856 |
| 2024-01-26 | $131.32 | $26.26 | $0.21 | 5.0333 |
| 2024-05-03 | $132.73 | $26.54 | $0.21 | 5.9466 |
| 2024-07-29 | $134.39 | $26.88 | $0.22 | 5.3144 |
| 2024-10-28 | $135.88 | $27.17 | $0.22 | 5.6799 |
| 2025-02-03 | $137.47 | $27.49 | $0.22 | 5.2190 |
| 2025-05-02 | $138.93 | $27.79 | $0.22 | 5.8014 |
| 2025-08-04 | $140.55 | $28.11 | $0.22 | 6.0627 |
| 2025-11-03 | $142.25 | $28.45 | $0.23 | 5.9588 |
| 2026-02-02 | $143.92 | $28.78 | $0.23 | 5.0620 |
| Total | $2595.84 | $519.17 | $4.15 | 98.0155 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.