CZNC Citizens & Northern Corp

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

Price (delayed)

$21.06

Market cap

$327.75M

P/E Ratio

12.32

Dividend/share

$1.12

EPS

$1.71

Enterprise value

$454.49M

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 19% lower than its 5-year quarterly average of 15.3 and 9% lower than its last 4 quarters average of 13.6
Citizens & Northern's equity has decreased by 17% YoY but it has increased by 4.4% from the previous quarter
The EPS has decreased by 11% YoY but it has increased by 2.4% from the previous quarter
Citizens & Northern's debt has soared by 134% YoY and by 87% from the previous quarter
The net income has contracted by 13% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.cnbankpa.com
Peers: ACNB NWFL UVSP STBA

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
15.56M
Market cap
$327.75M
Enterprise value
$454.49M
Valuations
Price to earnings (P/E)
12.32
Price to book (P/B)
1.31
Price to sales (P/S)
3.25
EV/EBIT
14.05
EV/EBITDA
13.08
EV/Sales
4.53
Earnings
Revenue
$100.31M
EBIT
$32.35M
EBITDA
$34.74M
Free cash flow
$31.31M
Per share
EPS
$1.71
Free cash flow per share
$2.02
Book value per share
$16.09
Revenue per share
$6.47
TBVPS
$154.77
Balance sheet
Total assets
$2.45B
Total liabilities
$2.2B
Debt
$181.78M
Equity
$249.33M
Working capital
N/A
Liquidity
Debt to equity
0.73
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.65
Margins
EBITDA margin
34.6%
Gross margin
100%
Net margin
26.5%
Operating margin
32.3%
Efficiency
Return on assets
1.1%
Return on equity
10.4%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32.3%
Dividend
Dividend yield
5.32%
DPS
$1.12
Payout ratio
65.5%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
-0.38%
1 week
-4.88%
1 month
-6.81%
1 year
-13.76%
YTD
-7.87%
QTD
-7.87%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$100.31M
Gross profit
$100.31M
Operating income
$32.35M
Net income
$26.62M
Gross margin
100%
Net margin
26.5%
The operating income has decreased by 14% YoY
Citizens & Northern's operating margin has decreased by 14% YoY
Citizens & Northern's net margin has decreased by 13% YoY
The net income has contracted by 13% YoY

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
12.32
P/B
1.31
P/S
3.25
EV/EBIT
14.05
EV/EBITDA
13.08
EV/Sales
4.53
CZNC's price to earnings (P/E) is 19% lower than its 5-year quarterly average of 15.3 and 9% lower than its last 4 quarters average of 13.6
The EPS has decreased by 11% YoY but it has increased by 2.4% from the previous quarter
Citizens & Northern's equity has decreased by 17% YoY but it has increased by 4.4% from the previous quarter
The price to book (P/B) is 13% lower than the last 4 quarters average of 1.5 and 6% lower than the 5-year quarterly average of 1.4
CZNC's P/S is 24% below its 5-year quarterly average of 4.3 and 12% below its last 4 quarters average of 3.7

Efficiency

How efficient is Citizens & Northern business performance
Citizens & Northern's return on invested capital has decreased by 24% YoY and by 7% QoQ
The company's return on assets fell by 15% YoY
The ROS has decreased by 14% YoY
The return on equity is up by 7% since the previous quarter and by 3% year-on-year

Dividends

What is CZNC's dividend history
Dividend details
DPS
$1.12
Dividend yield
5.32%
Payout ratio
65.5%
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 9% YoY and by 2% from the previous quarter
The total assets has grown by 5% YoY and by 2.3% from the previous quarter
Citizens & Northern's debt is 27% less than its equity
The company's debt to equity has surged by 181% YoY and by 78% QoQ
Citizens & Northern's debt has soared by 134% YoY and by 87% from the previous quarter

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