CZNC Citizens & Northern Corp

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

Price (delayed)

$22.09

Market cap

$395.78M

P/E Ratio

20.45

Dividend/share

$1.12

EPS

$1.08

Enterprise value

$534.03M

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Relative Growth: Rel. Growth: 26
Relative Strength: Rel. Strength: 49
Relative Valuation: Rel. Valuation: 47
Relative Profitability: Rel. Profitability: 59

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 19% YoY
The company's revenue rose by 4.5% YoY but it fell by 3.2% QoQ
The gross profit has grown by 4.5% year-on-year but it has declined by 3.2% since the previous quarter
CZNC's price to earnings (P/E) is 56% higher than its 5-year quarterly average of 13.1 and 45% higher than its last 4 quarters average of 14.1
The EPS has decreased by 38% YoY and by 26% from the previous quarter
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
2.51%
1 week
1.01%
1 month
4.84%
1 year
17.78%
YTD
9.52%
QTD
-1.12%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$112.93M
Gross profit
$112.93M
Operating income
$21.27M
Net income
$17.41M
Gross margin
100%
Net margin
15.4%
Citizens & Northern's operating margin has decreased by 39% YoY and by 24% from the previous quarter
Citizens & Northern's net margin has decreased by 38% YoY and by 23% from the previous quarter
The operating income has decreased by 36% YoY and by 26% from the previous quarter
The net income has contracted by 35% YoY and by 26% from the previous quarter

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
20.45
P/B
1.18
P/S
3.5
EV/EBIT
25.1
EV/EBITDA
22.47
EV/Sales
4.73
CZNC's price to earnings (P/E) is 56% higher than its 5-year quarterly average of 13.1 and 45% higher than its last 4 quarters average of 14.1
The EPS has decreased by 38% YoY and by 26% from the previous quarter
Citizens & Northern's equity has increased by 19% YoY
The price to book (P/B) is 7% higher than the last 4 quarters average of 1.1
CZNC's P/S is 17% above its last 4 quarters average of 3.0 and 6% above its 5-year quarterly average of 3.3
The company's revenue rose by 4.5% YoY but it fell by 3.2% QoQ

Efficiency

How efficient is Citizens & Northern business performance
The return on equity has declined by 44% year-on-year and by 29% since the previous quarter
Citizens & Northern's return on invested capital has decreased by 42% YoY and by 30% QoQ
The company's return on assets fell by 40% YoY and by 33% QoQ
The ROS has decreased by 39% YoY and by 24% from the previous quarter

Dividends

What is CZNC's dividend history
Dividend details
DPS
$1.12
Dividend yield
5.07%
Payout ratio
103.7%
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 22% YoY
The total assets has grown by 21% YoY
Citizens & Northern's debt is 42% less than its equity
Citizens & Northern's equity has increased by 19% YoY
The company's debt to equity fell by 16% YoY but it rose by 5% QoQ

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