CZNC Citizens & Northern Corp
Price (delayed)
$20.85
Market cap
$321.38M
P/E Ratio
14.48
Dividend/share
$1.12
EPS
$1.44
Enterprise value
$362.9M
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 15% YoY and by 5% from the previous quarter
Citizens & Northern's debt has increased by 20% YoY but it has decreased by 7% from the previous quarter
The net income has contracted by 20% YoY and by 5% from the previous quarter
The EPS has decreased by 20% YoY and by 6% from the previous quarter
Key stats
What are the main financial stats of CZNC
Market
Valuations
Earnings
Shares outstanding
15.41M
Market cap
$321.38M
Enterprise value
$362.9M
Price to earnings (P/E)
14.48
Price to book (P/B)
1.16
Price to sales (P/S)
3.15
EV/EBIT
13.11
EV/EBITDA
12.17
EV/Sales
3.56
Revenue
$101.9M
Gross profit
$101.9M
Operating income
$27.67M
Net income
$22.05M
EBIT
$27.67M
EBITDA
$29.82M
Free cash flow
$26.27M
Per share
Balance sheet
Liquidity
EPS
$1.44
EPS diluted
$1.44
Free cash flow per share
$1.71
Book value per share
$18.02
Revenue per share
$6.62
TBVPS
$169.96
Total assets
$2.67B
Total liabilities
$2.39B
Debt
$225.73M
Equity
$277.31M
Working capital
N/A
Debt to equity
0.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.39
Margins
Efficiency
Dividend
EBITDA margin
29.3%
Gross margin
100%
Net margin
21.6%
Operating margin
27.2%
Return on assets
0.9%
Return on equity
8.3%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
27.2%
Dividend yield
5.37%
DPS
$1.12
Payout ratio
77.8%
CZNC stock price
How has the Citizens & Northern stock price performed over time
Intraday
-1.88%
1 week
-2.57%
1 month
8.37%
1 year
12.52%
YTD
12.1%
QTD
12.1%
Financial performance
How have Citizens & Northern's revenue and profit performed over time
Revenue
$101.9M
Gross profit
$101.9M
Operating income
$27.67M
Net income
$22.05M
Gross margin
100%
Net margin
21.6%
The net income has contracted by 20% YoY and by 5% from the previous quarter
The operating income has decreased by 19% YoY and by 6% from the previous quarter
Citizens & Northern's net margin has decreased by 17% YoY and by 4.4% from the previous quarter
Citizens & Northern's operating margin has decreased by 15% YoY and by 4.2% from the previous quarter
Growth
What is Citizens & Northern's growth rate over time
Valuation
What is Citizens & Northern stock price valuation
P/E
14.48
P/B
1.16
P/S
3.15
EV/EBIT
13.11
EV/EBITDA
12.17
EV/Sales
3.56
The EPS has decreased by 20% YoY and by 6% from the previous quarter
CZNC's price to earnings (P/E) is 11% higher than its last 4 quarters average of 13.0 and 8% higher than its 5-year quarterly average of 13.4
Citizens & Northern's equity has increased by 15% YoY and by 5% from the previous quarter
The price to book (P/B) is 5% higher than the last 4 quarters average of 1.1 but 3.3% lower than the 5-year quarterly average of 1.2
CZNC's P/S is 9% above its last 4 quarters average of 2.9 but 7% below its 5-year quarterly average of 3.4
The company's revenue fell by 4.3% YoY
Efficiency
How efficient is Citizens & Northern business performance
The return on equity has declined by 25% year-on-year and by 9% since the previous quarter
Citizens & Northern's return on invested capital has decreased by 23% YoY and by 9% QoQ
The company's return on assets fell by 18% YoY
The ROS has decreased by 15% YoY and by 4.2% from the previous quarter
Dividends
What is CZNC's dividend history
DPS
$1.12
Dividend yield
5.37%
Payout ratio
77.8%
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
The total assets has grown by 8% YoY and by 3% from the previous quarter
Citizens & Northern's total liabilities has increased by 7% YoY and by 2.7% from the previous quarter
Citizens & Northern's debt is 19% less than its equity
Citizens & Northern's debt has increased by 20% YoY but it has decreased by 7% from the previous quarter
Citizens & Northern's equity has increased by 15% YoY and by 5% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.