CZNC Citizens & Northern Corp

Price (delayed)

$18.48

Market cap

$282.28M

P/E Ratio

10.32

Dividend/share

$1.12

EPS

$1.79

Enterprise value

$417.65M

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 27% lower than its 5-year quarterly average of 14.2 and 14% lower than its last 4 quarters average of 12.0
The net income has grown by 13% from the previous quarter and by 6% YoY
Citizens & Northern's debt has soared by 93% YoY
Citizens & Northern's equity has decreased by 3.2% from the previous quarter

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
15.27M
Market cap
$282.28M
Enterprise value
$417.65M
Valuations
Price to earnings (P/E)
10.32
Price to book (P/B)
1.17
Price to sales (P/S)
2.65
EV/EBIT
12.24
EV/EBITDA
11.49
EV/Sales
3.92
Earnings
Revenue
$106.45M
EBIT
$34.11M
EBITDA
$36.36M
Free cash flow
$32.18M
Per share
EPS
$1.79
Free cash flow per share
$2.11
Book value per share
$15.74
Revenue per share
$6.98
TBVPS
$159.2
Balance sheet
Total assets
$2.48B
Total liabilities
$2.24B
Debt
$188.03M
Equity
$240.21M
Working capital
N/A
Liquidity
Debt to equity
0.78
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.72
Margins
EBITDA margin
34.2%
Gross margin
100%
Net margin
26%
Operating margin
32%
Efficiency
Return on assets
1.1%
Return on equity
11.1%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32%
Dividend
Dividend yield
6.06%
DPS
$1.12
Payout ratio
62.6%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
-0.91%
1 week
-5.08%
1 month
-6.43%
1 year
-18.23%
YTD
-17.61%
QTD
-17.61%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$106.45M
Gross profit
$106.45M
Operating income
$34.11M
Net income
$27.67M
Gross margin
100%
Net margin
26%
The operating income has increased by 14% from the previous quarter and by 7% YoY
The net income has grown by 13% from the previous quarter and by 6% YoY
Citizens & Northern's net margin has increased by 8% from the previous quarter
Citizens & Northern's operating margin has increased by 8% from the previous quarter

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
10.32
P/B
1.17
P/S
2.65
EV/EBIT
12.24
EV/EBITDA
11.49
EV/Sales
3.92
CZNC's price to earnings (P/E) is 27% lower than its 5-year quarterly average of 14.2 and 14% lower than its last 4 quarters average of 12.0
The EPS has increased by 13% from the previous quarter and by 7% YoY
The price to book (P/B) is 10% lower than the 5-year quarterly average of 1.3 and 10% lower than the last 4 quarters average of 1.3
Citizens & Northern's equity has decreased by 3.2% from the previous quarter
CZNC's P/S is 32% below its 5-year quarterly average of 3.9 and 15% below its last 4 quarters average of 3.1
The company's revenue rose by 7% YoY and by 4.5% QoQ

Efficiency

How efficient is Citizens & Northern business performance
The return on equity is up by 14% year-on-year and by 12% since the previous quarter
The company's return on assets rose by 10% QoQ
The ROS has increased by 8% from the previous quarter
Citizens & Northern's return on invested capital has increased by 8% QoQ but it has decreased by 7% YoY

Dividends

What is CZNC's dividend history
DPS
$1.12
Dividend yield
6.06%
Payout ratio
62.6%
Recent dividends

Financial health

How did Citizens & Northern financials performed over time
The total assets is 11% more than the total liabilities
Citizens & Northern's total liabilities has increased by 3.8% YoY
The total assets has grown by 3.5% YoY
Citizens & Northern's debt is 22% less than its equity
Citizens & Northern's debt has soared by 93% YoY
The company's debt to equity has surged by 90% YoY and by 4% QoQ

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