CZNC Citizens & Northern Corp
Price (delayed)
$19.05
Market cap
$294.63M
P/E Ratio
11.27
Dividend/share
$1.12
EPS
$1.69
Enterprise value
$376.12M
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
The net income has grown by 18% from the previous quarter and by 7% YoY
The EPS has increased by 17% from the previous quarter and by 8% YoY
Key stats
What are the main financial stats of CZNC
Market
Valuations
Earnings
Shares outstanding
15.47M
Market cap
$294.63M
Enterprise value
$376.12M
Price to earnings (P/E)
11.27
Price to book (P/B)
1.07
Price to sales (P/S)
2.77
EV/EBIT
11.8
EV/EBITDA
11.04
EV/Sales
3.54
Revenue
$106.13M
Gross profit
$106.13M
Operating income
$31.87M
Net income
$25.96M
EBIT
$31.87M
EBITDA
$34.05M
Free cash flow
$31.13M
Per share
Balance sheet
Liquidity
EPS
$1.69
EPS diluted
$1.69
Free cash flow per share
$2.02
Book value per share
$17.86
Revenue per share
$6.89
TBVPS
$165.83
Total assets
$2.61B
Total liabilities
$2.34B
Debt
$207.67M
Equity
$275.28M
Working capital
N/A
Debt to equity
0.75
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.39
Margins
Efficiency
Dividend
EBITDA margin
32.1%
Gross margin
100%
Net margin
24.5%
Operating margin
30%
Return on assets
1%
Return on equity
9.6%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
30%
Dividend yield
5.88%
DPS
$1.12
Payout ratio
66.3%
CZNC stock price
How has the Citizens & Northern stock price performed over time
Intraday
1.11%
1 week
3.03%
1 month
-6.66%
1 year
7.45%
YTD
2.42%
QTD
-5.32%
Financial performance
How have Citizens & Northern's revenue and profit performed over time
Revenue
$106.13M
Gross profit
$106.13M
Operating income
$31.87M
Net income
$25.96M
Gross margin
100%
Net margin
24.5%
The net income has grown by 18% from the previous quarter and by 7% YoY
The operating income has increased by 15% from the previous quarter and by 4.6% YoY
Citizens & Northern's net margin has increased by 13% from the previous quarter and by 6% YoY
Citizens & Northern's operating margin has increased by 10% from the previous quarter and by 3.1% YoY
Growth
What is Citizens & Northern's growth rate over time
Valuation
What is Citizens & Northern stock price valuation
P/E
11.27
P/B
1.07
P/S
2.77
EV/EBIT
11.8
EV/EBITDA
11.04
EV/Sales
3.54
The EPS has increased by 17% from the previous quarter and by 8% YoY
CZNC's price to earnings (P/E) is 15% lower than its 5-year quarterly average of 13.2 and 8% lower than its last 4 quarters average of 12.2
The price to book (P/B) is 11% lower than the 5-year quarterly average of 1.2 and 2.7% lower than the last 4 quarters average of 1.1
Citizens & Northern's equity has increased by 4.9% YoY
CZNC's P/S is 19% below its 5-year quarterly average of 3.4
The company's revenue rose by 4.2% QoQ
Efficiency
How efficient is Citizens & Northern business performance
Citizens & Northern's return on invested capital has increased by 20% QoQ
The return on equity is up by 16% since the previous quarter
The company's return on assets rose by 11% QoQ
The ROS has increased by 10% from the previous quarter and by 3.1% YoY
Dividends
What is CZNC's dividend history
DPS
$1.12
Dividend yield
5.88%
Payout ratio
66.3%
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 3.6% YoY but it has decreased by 2.4% from the previous quarter
The total assets has grown by 3.8% YoY but it has contracted by 2.3% from the previous quarter
Citizens & Northern's debt is 25% less than its equity
Citizens & Northern's debt has decreased by 8% from the previous quarter
The company's debt to equity fell by 7% QoQ and by 7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.