CZNC Citizens & Northern Corp

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

Price (delayed)

$21.6

Market cap

$332.12M

P/E Ratio

14.21

Dividend/share

$1.12

EPS

$1.52

Enterprise value

$522.92M

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 2.4% YoY
CZNC's price to earnings (P/E) is 16% higher than its last 4 quarters average of 12.2
Citizens & Northern's debt has increased by 12% from the previous quarter and by 2.5% YoY
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
Market
Shares outstanding
15.38M
Market cap
$332.12M
Enterprise value
$522.92M
Valuations
Price to earnings (P/E)
14.21
Price to book (P/B)
1.27
Price to sales (P/S)
3.24
EV/EBIT
17.86
EV/EBITDA
16.67
EV/Sales
5.09
Earnings
Revenue
$102.64M
EBIT
$29.28M
EBITDA
$31.37M
Free cash flow
$27M
Per share
EPS
$1.52
Free cash flow per share
$1.76
Book value per share
$17.01
Revenue per share
$6.67
TBVPS
$160.4
Balance sheet
Total assets
$2.52B
Total liabilities
$2.26B
Debt
$237.25M
Equity
$261.66M
Working capital
N/A
Liquidity
Debt to equity
0.91
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.08
Margins
EBITDA margin
30.6%
Gross margin
100%
Net margin
22.6%
Operating margin
28.5%
Efficiency
Return on assets
0.9%
Return on equity
9.2%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
28.5%
Dividend
Dividend yield
5.19%
DPS
$1.12
Payout ratio
73.7%

CZNC stock price

How has the Citizens & Northern stock price performed over time
Intraday
-1.59%
1 week
10.88%
1 month
26.98%
1 year
0.14%
YTD
-3.7%
QTD
20.74%

Financial performance

How have Citizens & Northern's revenue and profit performed over time
Revenue
$102.64M
Gross profit
$102.64M
Operating income
$29.28M
Net income
$23.2M
Gross margin
100%
Net margin
22.6%
The net income has contracted by 11% YoY and by 3.9% from the previous quarter
Citizens & Northern's net margin has decreased by 11% YoY and by 2.2% from the previous quarter
Citizens & Northern's operating margin has decreased by 8% YoY and by 2.1% from the previous quarter
The operating income has decreased by 7% YoY and by 3.9% from the previous quarter

Growth

What is Citizens & Northern's growth rate over time

Valuation

What is Citizens & Northern stock price valuation
CZNC P/E details
P/E
14.21
P/B
1.27
P/S
3.24
EV/EBIT
17.86
EV/EBITDA
16.67
EV/Sales
5.09
CZNC's price to earnings (P/E) is 16% higher than its last 4 quarters average of 12.2
The EPS has decreased by 9% YoY and by 3.2% from the previous quarter
The price to book (P/B) is 6% higher than the last 4 quarters average of 1.2 but 2.3% lower than the 5-year quarterly average of 1.3
Citizens & Northern's equity has increased by 2.4% YoY
CZNC's P/S is 12% below its 5-year quarterly average of 3.7 but 12% above its last 4 quarters average of 2.9

Efficiency

How efficient is Citizens & Northern business performance
The company's return on assets fell by 18% YoY and by 10% QoQ
Citizens & Northern's return on invested capital has decreased by 15% YoY and by 8% QoQ
The return on equity has declined by 12% year-on-year and by 4.2% since the previous quarter
The ROS has decreased by 8% YoY and by 2.1% from the previous quarter

Dividends

What is CZNC's dividend history
Dividend details
DPS
$1.12
Dividend yield
5.19%
Payout ratio
73.7%
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 3.9% YoY
The total assets has grown by 3.8% YoY
Citizens & Northern's debt is 9% less than its equity
Citizens & Northern's debt has increased by 12% from the previous quarter and by 2.5% YoY
The company's debt to equity rose by 12% QoQ

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