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CZNC Citizens & Northern Corp
- Stocks
- Financial Services
- NASDAQ: CZNC
Price (delayed)
$19.32
Market cap
$299.36M
P/E Ratio
11.04
Dividend/share
$1.12
EPS
$1.75
Enterprise value
$379.39M
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
Citizens & Northern's debt has decreased by 18% YoY and by 6% from the previous quarter
The net income has grown by 16% YoY and by 3.8% from the previous quarter
Key stats
What are the main financial stats of CZNC
Market
Valuations
Earnings
Shares outstanding
15.49M
Market cap
$299.36M
Enterprise value
$379.39M
Price to earnings (P/E)
11.04
Price to book (P/B)
1.06
Price to sales (P/S)
2.76
EV/EBIT
11.46
EV/EBITDA
10.73
EV/Sales
3.51
Revenue
$108.11M
Gross profit
$108.11M
Operating income
$33.12M
Net income
$26.95M
EBIT
$33.12M
EBITDA
$35.34M
Free cash flow
$27.19M
Per share
Balance sheet
Liquidity
EPS
$1.75
EPS diluted
$1.75
Free cash flow per share
$1.76
Book value per share
$18.22
Revenue per share
$6.99
TBVPS
$165.18
Total assets
$2.61B
Total liabilities
$2.33B
Debt
$194.77M
Equity
$281.83M
Working capital
N/A
Debt to equity
0.69
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.26
Margins
Efficiency
Dividend
EBITDA margin
32.7%
Gross margin
100%
Net margin
24.9%
Operating margin
30.6%
Return on assets
1%
Return on equity
9.8%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
30.6%
Dividend yield
5.8%
DPS
$1.12
Payout ratio
64%
CZNC stock price
How has the Citizens & Northern stock price performed over time
Intraday
1.15%
1 week
1.34%
1 month
5.46%
1 year
7.99%
YTD
3.87%
QTD
-3.98%
Financial performance
How have Citizens & Northern's revenue and profit performed over time
Revenue
$108.11M
Gross profit
$108.11M
Operating income
$33.12M
Net income
$26.95M
Gross margin
100%
Net margin
24.9%
The net income has grown by 16% YoY and by 3.8% from the previous quarter
The operating income has increased by 13% YoY and by 3.9% from the previous quarter
Citizens & Northern's net margin has increased by 10% YoY
Citizens & Northern's operating margin has increased by 7% YoY and by 2% from the previous quarter
Price vs fundamentals
How does CZNC's price correlate with its fundamentals
Growth
What is Citizens & Northern's growth rate over time
Valuation
What is Citizens & Northern stock price valuation
P/E
11.04
P/B
1.06
P/S
2.76
EV/EBIT
11.46
EV/EBITDA
10.73
EV/Sales
3.51
CZNC's price to earnings (P/E) is 16% lower than its 5-year quarterly average of 13.2 and 8% lower than its last 4 quarters average of 12.0
The EPS has increased by 15% YoY and by 3.6% from the previous quarter
The price to book (P/B) is 12% lower than the 5-year quarterly average of 1.2 and 3.6% lower than the last 4 quarters average of 1.1
Citizens & Northern's equity has increased by 8% YoY and by 2.4% from the previous quarter
CZNC's P/S is 19% below its 5-year quarterly average of 3.4
The company's revenue rose by 5% YoY
Efficiency
How efficient is Citizens & Northern business performance
The company's return on assets rose by 11% YoY
Citizens & Northern's return on invested capital has increased by 9% YoY
The return on equity is up by 7% year-on-year and by 2.1% since the previous quarter
The ROS has increased by 7% YoY and by 2% from the previous quarter
Dividends
What is CZNC's dividend history
DPS
$1.12
Dividend yield
5.8%
Payout ratio
64%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Citizens & Northern financials performed over time
The total assets is 12% more than the total liabilities
Citizens & Northern's total liabilities has increased by 3% YoY
The total assets has grown by 3.5% YoY
Citizens & Northern's debt is 31% less than its equity
The company's debt to equity fell by 24% YoY and by 8% QoQ
Citizens & Northern's debt has decreased by 18% YoY and by 6% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.