CZNC vs HSBC: Which Is the Better Dividend Stock?
As of August 2026, CZNC (Citizens & Northern Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. CZNC offers the higher yield at 4.41%, CZNC has the higher dividend-safety score, and CZNC trades at the larger discount to fair value (+111%).
| Metric | CZNC | HSBC |
|---|---|---|
| Forward yield | 4.41% | 3.52% |
| Annual dividend | $1.12 | $3.75 |
| Payout ratio | 76% | 62% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | 0.7% | -13.8% |
| 5-yr total return | 1% | 302% |
| Dividend safety score | 82 (A) | 70 (B) |
| Fair value estimate | $53.66 | $125.96 |
| Upside to fair value | +111% | +18% |
| Frequency | quarterly | quarterly |
| Market cap | $455.6M | $365.0B |
| P/E ratio | 17.3 | 17.6 |
Higher yield
CZNC
4.41%
Safer dividend
CZNC
Grade A
Faster growth
CZNC
0.7%
Better value
CZNC
+111% upside
CZNC vs HSBC — FAQ
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