CZNC Citizens & Northern Corp

Price (delayed)

$18.77

Market cap

$288.65M

P/E Ratio

11.96

Dividend/share

$1.12

EPS

$1.57

Enterprise value

$443.53M

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 16% lower than its 5-year quarterly average of 14.2 and 2.8% lower than its last 4 quarters average of 12.3
Citizens & Northern's equity has increased by 9% from the previous quarter and by 5% YoY
Citizens & Northern's debt has increased by 16% YoY and by 13% from the previous quarter
The net income has contracted by 13% from the previous quarter and by 9% YoY

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
15.38M
Market cap
$288.65M
Enterprise value
$443.53M
Valuations
Price to earnings (P/E)
11.96
Price to book (P/B)
1.09
Price to sales (P/S)
2.74
EV/EBIT
14.55
EV/EBITDA
13.59
EV/Sales
4.24
Earnings
Revenue
$104.63M
EBIT
$30.48M
EBITDA
$32.63M
Free cash flow
$31.28M
Per share
EPS
$1.57
Free cash flow per share
$2.05
Book value per share
$17.18
Revenue per share
$6.85
TBVPS
$161.09
Balance sheet
Total assets
$2.52B
Total liabilities
$2.25B
Debt
$211.76M
Equity
$262.38M
Working capital
N/A
Liquidity
Debt to equity
0.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.75
Margins
EBITDA margin
31.2%
Gross margin
100%
Net margin
23.1%
Operating margin
29.1%
Efficiency
Return on assets
1%
Return on equity
9.6%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
29.1%
Dividend
Dividend yield
5.97%
DPS
$1.12
Payout ratio
71.3%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
3.7%
1 week
0.91%
1 month
1.46%
1 year
-11.17%
YTD
-16.32%
QTD
-16.32%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$104.63M
Gross profit
$104.63M
Operating income
$30.48M
Net income
$24.15M
Gross margin
100%
Net margin
23.1%
The net income has contracted by 13% from the previous quarter and by 9% YoY
Citizens & Northern's net margin has decreased by 13% YoY and by 11% from the previous quarter
The operating income has decreased by 11% from the previous quarter and by 6% YoY
Citizens & Northern's operating margin has decreased by 10% YoY and by 9% from the previous quarter

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
11.96
P/B
1.09
P/S
2.74
EV/EBIT
14.55
EV/EBITDA
13.59
EV/Sales
4.24
CZNC's price to earnings (P/E) is 16% lower than its 5-year quarterly average of 14.2 and 2.8% lower than its last 4 quarters average of 12.3
The EPS has decreased by 12% from the previous quarter and by 8% YoY
The price to book (P/B) is 16% lower than the 5-year quarterly average of 1.3 and 9% lower than the last 4 quarters average of 1.2
Citizens & Northern's equity has increased by 9% from the previous quarter and by 5% YoY
CZNC's P/S is 30% below its 5-year quarterly average of 3.9 and 9% below its last 4 quarters average of 3.0
The company's revenue rose by 4.3% YoY

Efficiency

How efficient is Citizens & Northern business performance
The return on equity has declined by 14% since the previous quarter and by 8% year-on-year
The ROS has decreased by 10% YoY and by 9% from the previous quarter
The company's return on assets fell by 9% QoQ and by 9% YoY
Citizens & Northern's return on invested capital has decreased by 8% QoQ and by 8% YoY

Dividends

What is CZNC's dividend history
DPS
$1.12
Dividend yield
5.97%
Payout ratio
71.3%
Recent dividends

Financial health

How did Citizens & Northern financials performed over time
The total assets is 12% more than the total liabilities
The total assets has grown by 2.5% YoY
Citizens & Northern's total liabilities has increased by 2.2% YoY
Citizens & Northern's debt is 19% less than its equity
Citizens & Northern's debt has increased by 16% YoY and by 13% from the previous quarter
The company's debt to equity rose by 11% YoY and by 3.8% QoQ

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