CZNC vs HSBC: Which Is the Better Dividend Stock?
As of Oct 18, 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. CZNC offers the higher yield at 4.39%, CZNC has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 44% above its share price).
Key facts: CZNC vs HSBC
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Citizens & Northern Corporation (CZNC) has the higher forward dividend yield at 4.39%, versus 3.97% for HSBC Holdings plc (HSBC).
- As of Oct 18, 2026, SmarterDividends grades CZNC's dividend safety A (83/100) and HSBC's B (72/100).
- As of Oct 18, 2026, CZNC pays out 76% of its earnings as dividends and HSBC pays out 54%.
- As of Oct 18, 2026, CZNC's fair-value estimate is 37% above its share price and HSBC's fair-value estimate is 44% above its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "CZNC vs HSBC: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/cznc-vs-hsbc
| Metric | CZNC | HSBC |
|---|---|---|
| Forward yield | 4.39% | 3.97% |
| Annual dividend | $1.12 | $3.75 |
| Payout ratio | 76% | 54% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | 0.7% | -13.8% |
| 5-yr total return | 3% | 242% |
| Dividend safety score | 83 (A) | 72 (B) |
| Fair value estimate | $34.99 | $135.99 |
| Upside to fair value | +37% | +44% |
| Frequency | quarterly | quarterly |
| Market cap | $457.3M | $323.4B |
| P/E ratio | 17.3 | 13.5 |
Higher yield
CZNC
4.39%
Safer dividend
CZNC
Grade A
Faster growth
CZNC
0.7%
Better value
HSBC
+44% upside
CZNC vs HSBC — FAQ
Is CZNC or HSBC a better dividend stock?
On the data, HSBC wins more head-to-head categories (4 vs 3). CZNC offers the higher yield (4.39%), while CZNC has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, CZNC or HSBC?
CZNC has the higher forward dividend yield at 4.39%, versus 3.97% for HSBC.
Is CZNC or HSBC safer?
CZNC has the higher dividend-safety score (83/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is CZNC or HSBC better value right now?
As of Oct 18, 2026, HSBC looks like the better value: its fair-value estimate is 44% above its share price (undervalued). For CZNC, its fair-value estimate is 37% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.