CZNC Citizens & Northern Corp

Price (delayed)

$24.16

Market cap

$377.02M

P/E Ratio

13.35

Dividend/share

$1.12

EPS

$1.81

Enterprise value

$333.36M

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, headquartered in Wellsboro, Pennsylvania which operates 29 banking offices located in Bradford, Bucks, Cameron, Chester, Lycoming, ...

Highlights
CZNC's price to earnings (P/E) is 18% lower than its 5-year quarterly average of 16.2 and 4% lower than its last 4 quarters average of 13.9
Citizens & Northern's debt has decreased by 9% from the previous quarter and by 8% YoY
The net income has grown by 20% YoY but it has contracted by 6% from the previous quarter
The EPS has increased by 16% YoY but it has decreased by 6% from the previous quarter
Citizens & Northern's equity has decreased by 8% from the previous quarter and by 8% YoY

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
15.61M
Market cap
$377.02M
Enterprise value
$333.36M
Valuations
Price to earnings (P/E)
13.35
Price to book (P/B)
1.38
Price to sales (P/S)
3.87
EV/EBIT
9.48
EV/EBITDA
8.95
EV/Sales
3.37
Earnings
Revenue
$98.82M
EBIT
$35.17M
EBITDA
$37.25M
Free cash flow
$32.29M
Per share
EPS
$1.81
Free cash flow per share
$2.04
Book value per share
$17.45
Revenue per share
$6.24
TBVPS
$143.74
Balance sheet
Total assets
$2.33B
Total liabilities
$2.05B
Debt
$70.69M
Equity
$276.21M
Working capital
N/A
Liquidity
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.17
Margins
EBITDA margin
37.7%
Gross margin
100%
Net margin
29%
Operating margin
35.6%
Efficiency
Return on assets
1.2%
Return on equity
9.7%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
35.6%
Dividend
Dividend yield
4.64%
DPS
$1.12
Payout ratio
61.9%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
1.85%
1 week
-0.29%
1 month
-1.23%
1 year
-5.81%
YTD
-7.5%
QTD
-0.9%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$98.82M
Gross profit
$98.82M
Operating income
$35.17M
Net income
$28.66M
Gross margin
100%
Net margin
29%
The net income has grown by 20% YoY but it has contracted by 6% from the previous quarter
Citizens & Northern's net margin has increased by 18% YoY but it has decreased by 4.9% from the previous quarter
The operating income has increased by 14% YoY but it has decreased by 7% from the previous quarter
Citizens & Northern's operating margin has increased by 12% YoY but it has decreased by 5% from the previous quarter

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
13.35
P/B
1.38
P/S
3.87
EV/EBIT
9.48
EV/EBITDA
8.95
EV/Sales
3.37
CZNC's price to earnings (P/E) is 18% lower than its 5-year quarterly average of 16.2 and 4% lower than its last 4 quarters average of 13.9
The EPS has increased by 16% YoY but it has decreased by 6% from the previous quarter
Citizens & Northern's equity has decreased by 8% from the previous quarter and by 8% YoY
The price to book (P/B) is 6% higher than the last 4 quarters average of 1.3
CZNC's P/S is 14% below its 5-year quarterly average of 4.5 and 3.3% below its last 4 quarters average of 4.0
The company's revenue rose by 2.2% YoY

Efficiency

How efficient is Citizens & Northern business performance
The ROS has increased by 18% YoY but it has decreased by 5% from the previous quarter
The return on equity is up by 17% year-on-year but it has declined by 4% since the previous quarter
Citizens & Northern's return on invested capital has increased by 14% YoY but it has decreased by 6% QoQ
The company's return on assets rose by 9% YoY but it fell by 8% QoQ

Dividends

What is CZNC's dividend history
DPS
$1.12
Dividend yield
4.64%
Payout ratio
61.9%
Recent dividends

Financial health

How did Citizens & Northern financials performed over time
The total assets is 13% more than the total liabilities
Citizens & Northern's debt is 74% less than its equity
Citizens & Northern's debt has decreased by 9% from the previous quarter and by 8% YoY
Citizens & Northern's equity has decreased by 8% from the previous quarter and by 8% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.