CZNC Citizens & Northern Corp

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

Price (delayed)

$24.98

Market cap

$399.65M

P/E Ratio

16.01

Dividend/share

$1.09

EPS

$1.56

Enterprise value

$269.27M

Highlights
Citizens & Northern's debt has decreased by 34% YoY and by 16% from the previous quarter
The gross profit has grown by 31% year-on-year and by 10% since the previous quarter
CZNC's price to earnings (P/E) is 12% higher than its last 4 quarters average of 14.3 but 6% lower than its 5-year quarterly average of 17.0
Sector: Financial Services
Industry: Banks - Regional
Peers: FRBK BMTC CUBI

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
16M
Market cap
$399.65M
Enterprise value
$269.27M
Valuations
Price to earnings (P/E)
16.01
Price to book (P/B)
1.33
Price to sales (P/S)
4.13
EV/EBIT
9.24
EV/EBITDA
8.63
EV/Sales
2.78
Earnings
Revenue
$96.74M
EBIT
$29.13M
EBITDA
$31.21M
Free cash flow
$24.79M
Per share
EPS
$1.56
Free cash flow per share
$1.55
Book value per share
$18.75
Revenue per share
$6.05
TBVPS
$142.33
Balance sheet
Total assets
$2.33B
Total liabilities
$2.03B
Debt
$76.76M
Equity
$300.06M
Working capital
N/A
Liquidity
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.18
Margins
EBITDA margin
32.3%
Gross margin
100%
Net margin
24.6%
Operating margin
31.8%
Efficiency
Return on assets
1.1%
Return on equity
8.3%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
30.1%
Dividend
Dividend yield
4.36%
DPS
$1.09
Payout ratio
69.9%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
0.24%
1 week
-0.2%
1 month
-2.61%
1 year
21.62%
YTD
25.91%
QTD
5.05%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$96.74M
Gross profit
$96.74M
Operating income
$30.76M
Net income
$23.84M
Gross margin
100%
Net margin
24.6%
The operating income has increased by 38% YoY and by 24% from the previous quarter
The gross profit has grown by 31% year-on-year and by 10% since the previous quarter
The company's revenue rose by 31% YoY and by 10% QoQ
The net income has grown by 28% YoY and by 24% from the previous quarter

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
16.01
P/B
1.33
P/S
4.13
EV/EBIT
9.24
EV/EBITDA
8.63
EV/Sales
2.78
The EPS has increased by 20% from the previous quarter and by 15% YoY
CZNC's price to earnings (P/E) is 12% higher than its last 4 quarters average of 14.3 but 6% lower than its 5-year quarterly average of 17.0
The price to book (P/B) is 21% higher than the last 4 quarters average of 1.1 but 5% lower than the 5-year quarterly average of 1.4
Citizens & Northern's equity has increased by 19% YoY
The company's revenue rose by 31% YoY and by 10% QoQ
CZNC's P/S is 15% above its last 4 quarters average of 3.6 but 12% below its 5-year quarterly average of 4.7

Efficiency

How efficient is Citizens & Northern business performance
The return on equity is up by 19% since the previous quarter and by 9% year-on-year
Citizens & Northern's return on invested capital has increased by 17% QoQ and by 8% YoY
The ROS has increased by 14% from the previous quarter
The company's return on assets rose by 10% QoQ

Dividends

What is CZNC's dividend history
DPS
$1.09
Dividend yield
4.36%
Payout ratio
69.9%
Recent dividends

Financial health

How did Citizens & Northern financials performed over time
The total assets is 15% more than the total liabilities
Citizens & Northern's total liabilities has increased by 48% YoY and by 4.9% from the previous quarter
The total assets has grown by 43% YoY and by 4.2% from the previous quarter
Citizens & Northern's debt is 74% less than its equity
The company's debt to equity fell by 45% YoY and by 13% QoQ
Citizens & Northern's debt has decreased by 34% YoY and by 16% from the previous quarter

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