Performance analysis of Citizens & Northern (CZNC)
Annual Return
Over the past 3 years, CZNC has had an average annual return of +10.69%, underperforming the benchmark SPY, which returned +19.63% annual.
Over the past 5 years, CZNC has had an average annual return of +4.31%, underperforming the benchmark SPY, which returned +12.73% annual.
Over the past 10 years, CZNC has had an average annual return of +6.27%, underperforming the benchmark SPY, which returned +15.04% annual.
Since Nov 1, 1999, CZNC has had an average annual return of +5.62%, underperforming the benchmark SPY, which returned +8.49% annual.
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| +18.87% | +14.84% | -12.19% | +3.71% | -8.36% | +38.06% | -25.77% | +11.39% | +14.94% | -4.41% | +31.18% | +7.01% |
| 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 |
| +5.68% | +14.68% | +6.84% | +28.70% | +60.82% | -49.66% | +17.61% | -14.91% | -9.69% | -0.87% | +4.56% | +36.15% |
| 2002 | 2001 | 2000 | 1999 | ||||||||
| +25.75% | +36.98% | -22.66% | -6.13% |
Monthly Return
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Annually Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +12.84% | -0.10% | -0.54% | -1.16% | -3.38% | +10.68% | +0.30% | +18.87% | |||||
| 2025 | +14.68% | +1.43% | -5.76% | -4.32% | -2.23% | +2.10% | +0.42% | +7.81% | -1.93% | -2.27% | +5.66% | +0.05% | +14.84% |
| 2024 | -8.42% | -9.42% | +2.29% | -9.21% | +4.43% | +2.05% | +14.76% | -0.55% | -2.23% | -2.50% | +8.25% | -9.18% | -12.19% |
| 2023 | +3.50% | -3.77% | -4.98% | -9.35% | +0.42% | +0.63% | +11.30% | -14.76% | -2.88% | +4.77% | +11.11% | +11.54% | +3.71% |
| 2022 | -2.76% | -1.39% | -1.57% | -2.83% | +3.97% | -0.70% | +2.23% | -1.76% | +0.75% | -0.50% | +3.19% | -6.85% | -8.36% |
| 2021 | -2.32% | +9.47% | +13.67% | +5.05% | -0.04% | -0.77% | +1.96% | +1.58% | +0.68% | +2.10% | -3.02% | +5.58% | +38.06% |
| 2020 | -8.58% | -11.26% | -11.86% | -9.23% | +7.27% | +7.67% | -13.04% | -3.16% | -5.25% | +5.97% | +7.14% | +9.31% | -25.77% |
| 2019 | -4.12% | +4.67% | -4.58% | +14.31% | -2.64% | -4.60% | -1.68% | -7.42% | +10.79% | -1.13% | +2.29% | +7.41% | +11.39% |
| 2018 | +0.29% | -5.93% | +3.13% | +5.75% | +5.88% | +1.13% | +5.75% | +3.43% | -6.64% | -2.67% | +5.68% | -0.68% | +14.94% |
| 2017 | -8.37% | -1.22% | -0.81% | +0.98% | -4.13% | +4.35% | +0.34% | -2.77% | +9.45% | +0.48% | +4.95% | -6.40% | -4.41% |
Drawdown analysis of Citizens & Northern (CZNC)
The maximum drawdown for the CZNC was -72.51%, occurring on Nov 27, 2009. Recovery took 1719 trading sessions.
The current CZNC drawdown is -2.74%.
Since Nov 1, 1999 CZNC has experienced the following drawdowns:
- 50% or more: 1 time
- 40% or more: 2 times
- 30% or more: 4 times
- 20% or more: 4 times
- 10% or more: 11 times
| Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -72.51% | Jul 22, 2005 | 1096 | Nov 27, 2009 | 1719 | Sep 27, 2016 | 2815 |
| -44.89% | May 14, 2019 | 345 | Sep 24, 2020 | 261 | Oct 7, 2021 | 606 |
| -36.38% | Dec 6, 1999 | 254 | Dec 6, 2000 | 330 | Apr 8, 2002 | 584 |
| -34.20% | Nov 11, 2021 | 369 | May 3, 2023 | 682 | Jan 22, 2026 | 1051 |
| -17.45% | Jan 20, 2005 | 54 | Apr 8, 2005 | 35 | May 27, 2005 | 89 |
| -16.65% | Aug 24, 2018 | 96 | Jan 14, 2019 | 71 | Apr 26, 2019 | 167 |
| -14.80% | Nov 29, 2017 | 45 | Feb 5, 2018 | 81 | Jun 1, 2018 | 126 |
| -14.21% | Apr 9, 2026 | 26 | May 15, 2026 | 31 | Jul 1, 2026 | 57 |
| -13.65% | Dec 27, 2016 | 99 | May 19, 2017 | 99 | Oct 10, 2017 | 198 |
| -11.33% | Oct 16, 2017 | 17 | Nov 8, 2017 | 14 | Nov 29, 2017 | 31 |
| -10.30% | Feb 13, 2026 | 22 | Mar 18, 2026 | 15 | Apr 9, 2026 | 37 |
| -8.80% | Dec 31, 2003 | 151 | Aug 9, 2004 | 91 | Dec 16, 2004 | 242 |
| -7.39% | Nov 23, 2016 | 3 | Nov 29, 2016 | 14 | Dec 19, 2016 | 17 |
| -7.31% | Nov 1, 1999 | 9 | Nov 12, 1999 | 13 | Dec 2, 1999 | 22 |
| -7.12% | Nov 6, 2002 | 2 | Nov 8, 2002 | 98 | Apr 2, 2003 | 100 |
| -7.03% | Jul 22, 2002 | 6 | Jul 30, 2002 | 69 | Nov 5, 2002 | 75 |
| -7.00% | Nov 11, 2016 | 2 | Nov 15, 2016 | 4 | Nov 21, 2016 | 6 |
| -6.68% | Jun 22, 2018 | 5 | Jun 29, 2018 | 14 | Jul 20, 2018 | 19 |
| -6.61% | Apr 29, 2003 | 2 | May 1, 2003 | 28 | Jun 11, 2003 | 30 |
| -6.39% | Jul 25, 2018 | 5 | Aug 1, 2018 | 17 | Aug 24, 2018 | 22 |
| -6.16% | May 27, 2005 | 2 | Jun 1, 2005 | 12 | Jun 17, 2005 | 14 |
| -6.04% | Oct 12, 2016 | 14 | Nov 1, 2016 | 6 | Nov 9, 2016 | 20 |
| -5.93% | Apr 8, 2002 | 2 | Apr 10, 2002 | 12 | Apr 26, 2002 | 14 |
| -5.61% | Jul 1, 2026 | 4 | Jul 8, 2026 | Ongoing | Ongoing | Ongoing |
| -5.33% | Jun 21, 2005 | 7 | Jun 30, 2005 | 2 | Jul 5, 2005 | 9 |