CZNC Citizens & Northern Corp

Price (delayed)

$24.79

Market cap

$384.07M

P/E Ratio

13.4

Dividend/share

$1.12

EPS

$1.85

Enterprise value

$481M

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
CZNC's price to earnings (P/E) is 16% lower than its 5-year quarterly average of 16.0
The EPS has increased by 15% YoY and by 2.2% from the previous quarter
Citizens & Northern's debt has soared by 135% from the previous quarter and by 77% YoY
Citizens & Northern's equity has decreased by 15% YoY and by 6% from the previous quarter

Key stats

What are the main financial stats of CZNC
Market
Shares outstanding
15.49M
Market cap
$384.07M
Enterprise value
$481M
Valuations
Price to earnings (P/E)
13.4
Price to book (P/B)
1.5
Price to sales (P/S)
3.84
EV/EBIT
13.57
EV/EBITDA
12.83
EV/Sales
4.78
Earnings
Revenue
$100.72M
EBIT
$35.44M
EBITDA
$37.5M
Free cash flow
$30.22M
Per share
EPS
$1.85
Free cash flow per share
$1.94
Book value per share
$16.57
Revenue per share
$6.45
TBVPS
$150.92
Balance sheet
Total assets
$2.41B
Total liabilities
$2.15B
Debt
$166.12M
Equity
$258.62M
Working capital
N/A
Liquidity
Debt to equity
0.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.59
Margins
EBITDA margin
37.2%
Gross margin
100%
Net margin
28.9%
Operating margin
35.2%
Efficiency
Return on assets
1.2%
Return on equity
10.2%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
35.2%
Dividend
Dividend yield
4.52%
DPS
$1.12
Payout ratio
60.5%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
1.18%
1 week
4.34%
1 month
2.14%
1 year
-2.9%
YTD
-5.09%
QTD
2.57%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$100.72M
Gross profit
$100.72M
Operating income
$35.44M
Net income
$29.09M
Gross margin
100%
Net margin
28.9%
Citizens & Northern's net margin has increased by 15% YoY
The net income has grown by 14% YoY
The operating income has increased by 8% YoY
Citizens & Northern's operating margin has increased by 8% YoY

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
P/E
13.4
P/B
1.5
P/S
3.84
EV/EBIT
13.57
EV/EBITDA
12.83
EV/Sales
4.78
CZNC's price to earnings (P/E) is 16% lower than its 5-year quarterly average of 16.0
The EPS has increased by 15% YoY and by 2.2% from the previous quarter
Citizens & Northern's equity has decreased by 15% YoY and by 6% from the previous quarter
The price to book (P/B) is 7% higher than the 5-year quarterly average of 1.4 and 7% higher than the last 4 quarters average of 1.4
CZNC's P/S is 13% below its 5-year quarterly average of 4.4

Efficiency

How efficient is Citizens & Northern business performance
The return on equity is up by 20% year-on-year and by 5% since the previous quarter
The ROS has increased by 14% YoY
Citizens & Northern's return on invested capital has increased by 14% YoY
The company's return on assets rose by 9% YoY

Dividends

What is CZNC's dividend history
DPS
$1.12
Dividend yield
4.52%
Payout ratio
60.5%
Recent dividends

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 6% YoY and by 4.8% from the previous quarter
The total assets has grown by 3.4% from the previous quarter and by 3.1% YoY
Citizens & Northern's debt is 36% less than its equity
The company's debt to equity has surged by 146% QoQ and by 106% YoY
Citizens & Northern's debt has soared by 135% from the previous quarter and by 77% YoY

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