CZNC Citizens & Northern Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: CZNC

Price (delayed)

$25.8

Market cap

$462.72M

P/E Ratio

17.55

Dividend/share

$1.12

EPS

$1.47

Enterprise value

$550.22M

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Relative Growth: Rel. Growth: 77
Relative Strength: Rel. Strength: 71
Relative Valuation: Rel. Valuation: 52
Relative Profitability: Rel. Profitability: 68

Citizens & Northern Corporation (Corporation) is a bank holding company whose principal activity is community banking. The Company's subsidiary is Citizens & Northern Bank (the Bank). The Corporation's other wholly ...

Highlights
Citizens & Northern's equity has increased by 21% YoY and by 3.2% from the previous quarter
The gross profit has grown by 18% year-on-year and by 13% since the previous quarter
The net income has grown by 46% from the previous quarter but it has contracted by 6% YoY
The EPS has increased by 36% from the previous quarter but it has decreased by 16% YoY
CZNC's price to earnings (P/E) is 33% higher than its 5-year quarterly average of 13.2 and 14% higher than its last 4 quarters average of 15.4
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.cnbankpa.com
Peers: NWFL UVSP ACNB STBA

Key stats

What are the main financial stats of CZNC

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
0.39%
1 week
-0.69%
1 month
10.35%
1 year
32.44%
YTD
27.91%
QTD
10.68%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$127.27M
Gross profit
$127.27M
Operating income
$31.17M
Net income
$25.35M
Gross margin
100%
Net margin
19.9%
The operating income has increased by 47% from the previous quarter but it has decreased by 6% YoY
The net income has grown by 46% from the previous quarter but it has contracted by 6% YoY
Citizens & Northern's operating margin has increased by 30% from the previous quarter but it has decreased by 20% YoY
Citizens & Northern's net margin has increased by 29% from the previous quarter but it has decreased by 20% YoY

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
CZNC P/E details
P/E
17.55
P/B
1.34
P/S
3.63
EV/EBIT
17.65
EV/EBITDA
16.28
EV/Sales
4.32
The EPS has increased by 36% from the previous quarter but it has decreased by 16% YoY
CZNC's price to earnings (P/E) is 33% higher than its 5-year quarterly average of 13.2 and 14% higher than its last 4 quarters average of 15.4
The price to book (P/B) is 22% higher than the last 4 quarters average of 1.1 and 12% higher than the 5-year quarterly average of 1.2
Citizens & Northern's equity has increased by 21% YoY and by 3.2% from the previous quarter
The company's revenue rose by 18% YoY and by 13% QoQ
CZNC's P/S is 13% above its 5-year quarterly average of 3.2 and 13% above its last 4 quarters average of 3.2

Efficiency

How efficient is Citizens & Northern business performance
Citizens & Northern's return on invested capital has increased by 43% QoQ but it has decreased by 23% YoY
The return on equity is up by 40% since the previous quarter but it has declined by 20% year-on-year
The company's return on assets rose by 33% QoQ but it fell by 20% YoY
The ROS has increased by 30% from the previous quarter but it has decreased by 20% YoY

Dividends

What is CZNC's dividend history
Dividend details
DPS
$1.12
Dividend yield
4.34%
Payout ratio
76.2%
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 21% YoY
The total assets has grown by 21% YoY
Citizens & Northern's debt is 51% less than its equity
The company's debt to equity fell by 23% YoY and by 16% QoQ
Citizens & Northern's equity has increased by 21% YoY and by 3.2% from the previous quarter

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