# Citizens & Northern Corporation (CZNC) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Citizens & Northern Corporation (CZNC) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: CZNC +26.61%, SPY +91.57%. Regime CZNC BEAR · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/CZNC/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=CZNC%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| CZNC | +26.61% | -34.14% | +29.55% |
| SPY | +91.57% | -24.49% | +14.86% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| CZNC | +34.85% | +45.47% | +63.79% | +26.61% |
| SPY | +17.26% | +38.01% | +86.77% | +91.57% |

## Annual

| Year | CZNC | SPY |
|---|---:|---:|
| YTD | +29.55% | +14.86% |
| 2025 | +17.08% | +18.01% |
| 2024 | -13.46% | +25.59% |
| 2023 | +3.88% | +26.73% |
| 2022 | -8.13% | -18.64% |
| 2021 | +2.68% | +9.65% |

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Research context only. Not personalized investment advice.