CZNC Citizens & Northern Corp

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

Price (delayed)

$28.065

Market cap

$503.78M

P/E Ratio

14.25

Dividend/share

$1.14

EPS

$1.97

Enterprise value

$567.25M

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Relative Growth: Rel. Growth:
Relative Strength: Rel. Strength:
Relative Valuation: Rel. Valuation:
Relative Profitability: Rel. Profitability: 81

Citizens & Northern Corporation (Corporation) is a bank holding company whose principal activity is community banking. The Company's subsidiary is Citizens & Northern Bank (the Bank). The Corporation's other wholly ...

Highlights
The net income has grown by 38% from the previous quarter and by 29% YoY
The EPS has increased by 34% from the previous quarter and by 12% YoY
CZNC's price to earnings (P/E) is 10% lower than its last 4 quarters average of 15.8 but 9% higher than its 5-year quarterly average of 13.1
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
-0.3%
1 week
-0.65%
1 month
11.06%
1 year
44.59%
YTD
39.14%
QTD
12.17%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$142.59M
Gross profit
$142.59M
Operating income
$43.55M
Net income
$35.08M
Gross margin
100%
Net margin
24.6%
The operating income has increased by 40% from the previous quarter and by 31% YoY
The net income has grown by 38% from the previous quarter and by 29% YoY
The gross profit has grown by 30% year-on-year and by 12% since the previous quarter
The company's revenue rose by 30% YoY and by 12% QoQ

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
14.25
P/B
1.47
P/S
3.53
EV/EBIT
13.02
EV/EBITDA
12.25
EV/Sales
3.98
The EPS has increased by 34% from the previous quarter and by 12% YoY
CZNC's price to earnings (P/E) is 10% lower than its last 4 quarters average of 15.8 but 9% higher than its 5-year quarterly average of 13.1
The price to book (P/B) is 23% higher than the 5-year quarterly average of 1.2 and 23% higher than the last 4 quarters average of 1.2
Citizens & Northern's equity has increased by 17% YoY
The company's revenue rose by 30% YoY and by 12% QoQ
CZNC's P/S is 11% above its 5-year quarterly average of 3.2 and 7% above its last 4 quarters average of 3.3

Efficiency

How efficient is Citizens & Northern business performance
Citizens & Northern's return on invested capital has increased by 40% QoQ and by 8% YoY
The company's return on assets rose by 38% QoQ and by 10% YoY
The return on equity is up by 34% since the previous quarter and by 8% year-on-year
The ROS has increased by 24% from the previous quarter

Dividends

What is CZNC's dividend history
Dividend details
DPS
$1.14
Dividend yield
4.06%
Payout ratio
57.9%
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 18% YoY
The total assets has grown by 18% YoY
Citizens & Northern's debt is 52% less than its equity
The company's debt to equity fell by 19% YoY and by 2% QoQ
Citizens & Northern's equity has increased by 17% YoY

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