Price (delayed)
$18.89
Market cap
$290.76M
P/E Ratio
12.35
Dividend/share
$1.12
EPS
$1.53
Enterprise value
$432.51M
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 equity has increased by 6% YoY
CZNC's price to earnings (P/E) is 11% lower than its 5-year quarterly average of 13.9 but 2.9% higher than its last 4 quarters average of 12.0
Citizens & Northern's debt has increased by 30% YoY and by 2.1% from the previous quarter
The net income has contracted by 5% YoY
Key stats
What are the main financial stats of CZNC
Market
Valuations
Earnings
Shares outstanding
15.39M
Market cap
$290.76M
Enterprise value
$432.51M
Price to earnings (P/E)
12.35
Price to book (P/B)
1.1
Price to sales (P/S)
2.81
EV/EBIT
14.76
EV/EBITDA
13.78
EV/Sales
4.19
Revenue
$103.19M
EBIT
$29.3M
EBITDA
$31.4M
Free cash flow
$27.45M
Per share
Balance sheet
Liquidity
EPS
$1.53
Free cash flow per share
$1.79
Book value per share
$17.12
Revenue per share
$6.71
TBVPS
$165.08
Total assets
$2.59B
Total liabilities
$2.33B
Debt
$242.16M
Equity
$263.22M
Working capital
N/A
Debt to equity
0.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.51
Margins
Efficiency
Dividend
EBITDA margin
30.4%
Gross margin
100%
Net margin
22.6%
Operating margin
28.4%
Return on assets
0.9%
Return on equity
9.1%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
28.4%
Dividend yield
5.93%
DPS
$1.12
Payout ratio
73.2%
CZNC stock price
How has the Citizens & Northern stock price performed over time
Intraday
-1.2%
1 week
-3.03%
1 month
2.33%
1 year
9%
YTD
-15.78%
QTD
5.59%
Financial performance
How have Citizens & Northern's revenue and profit performed over time
Revenue
$103.19M
Gross profit
$103.19M
Operating income
$29.3M
Net income
$23.27M
Gross margin
100%
Net margin
22.6%
Citizens & Northern's net margin has decreased by 6% YoY
The net income has contracted by 5% YoY
Citizens & Northern's operating margin has decreased by 3.7% YoY
The operating income has decreased by 2.3% YoY
Growth
What is Citizens & Northern's growth rate over time
Valuation
What is Citizens & Northern stock price valuation
P/E
12.35
P/B
1.1
P/S
2.81
EV/EBIT
14.76
EV/EBITDA
13.78
EV/Sales
4.19
CZNC's price to earnings (P/E) is 11% lower than its 5-year quarterly average of 13.9 but 2.9% higher than its last 4 quarters average of 12.0
The EPS has decreased by 3.2% YoY
The price to book (P/B) is 15% lower than the 5-year quarterly average of 1.3
Citizens & Northern's equity has increased by 6% YoY
CZNC's P/S is 22% below its 5-year quarterly average of 3.6
Efficiency
How efficient is Citizens & Northern business performance
The company's return on assets fell by 10% YoY
The return on equity has declined by 8% year-on-year
Citizens & Northern's return on invested capital has decreased by 8% YoY
The ROS has decreased by 3.7% YoY
Dividends
What is CZNC's dividend history
DPS
$1.12
Dividend yield
5.93%
Payout ratio
73.2%
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 11% more than the total liabilities
Citizens & Northern's total liabilities has increased by 4.8% YoY and by 3.1% from the previous quarter
The total assets has grown by 5% YoY and by 2.8% from the previous quarter
Citizens & Northern's debt is 8% less than its equity
Citizens & Northern's debt has increased by 30% YoY and by 2.1% from the previous quarter
The company's debt to equity rose by 23% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.