21.01 USD
-0.87 (-3.98%)
21.01 USD
0 (0%)
CZNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of CZNC have multiple concerns. CZNC has a decent growth rate and is not valued too expensively. CZNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CZNC had positive earnings in the past year.
CZNC had a positive operating cash flow in the past year.
In the past 5 years CZNC has always been profitable.
Each year in the past 5 years CZNC had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.01%, CZNC is doing good in the industry, outperforming 61.34% of the companies in the same industry.
CZNC has a Return On Equity of 9.15%. This is comparable to the rest of the industry: CZNC outperforms 53.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 9.15% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1.03%
ROE(3y)9.69%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CZNC (23.64%) is comparable to the rest of the industry.
CZNC's Profit Margin has declined in the last couple of years.
CZNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.64% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-1.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CZNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CZNC has more shares outstanding
CZNC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CZNC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CZNC is 1.30, which is an excellent value as it means it would take CZNC, only 1.30 years of fcf income to pay off all of its debts.
CZNC has a Debt to FCF ratio of 1.30. This is comparable to the rest of the industry: CZNC outperforms 58.76% of its industry peers.
CZNC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
CZNC has a Debt to Equity ratio (0.14) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CZNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.22%, which is quite impressive.
The Revenue has been growing slightly by 7.84% in the past year.
The Revenue has been growing slightly by 7.98% on average over the past years.
EPS 1Y (TTM)22.22%
EPS 3Y-4.16%
EPS 5Y0%
EPS Q2Q%2.44%
Revenue 1Y (TTM)7.84%
Revenue growth 3Y1.43%
Revenue growth 5Y7.98%
Sales Q2Q%8.35%
3.2 Future
Based on estimates for the next years, CZNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.80% on average per year.
Based on estimates for the next years, CZNC will show a small growth in Revenue. The Revenue will grow by 6.68% on average per year.
EPS Next Y4.11%
EPS Next 2Y18.97%
EPS Next 3Y16.8%
EPS Next 5YN/A
Revenue Next Year6.18%
Revenue Next 2Y6.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.94 indicates a reasonable valuation of CZNC.
Compared to the rest of the industry, the Price/Earnings ratio of CZNC indicates a somewhat cheap valuation: CZNC is cheaper than 61.60% of the companies listed in the same industry.
CZNC is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.78, the valuation of CZNC can be described as reasonable.
CZNC's Price/Forward Earnings ratio is rather cheap when compared to the industry. CZNC is cheaper than 83.51% of the companies in the same industry.
CZNC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.94 | ||
| Fwd PE | 8.78 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CZNC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CZNC does not grow enough to justify the current Price/Earnings ratio.
CZNC's earnings are expected to grow with 16.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.9
PEG (5Y)N/A
EPS Next 2Y18.97%
EPS Next 3Y16.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.12%, CZNC is a good candidate for dividend investing.
CZNC's Dividend Yield is rather good when compared to the industry average which is at 2.74. CZNC pays more dividend than 89.69% of the companies in the same industry.
CZNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
5.2 History
The dividend of CZNC decreases each year by -1.32%.
CZNC has been paying a dividend for at least 10 years, so it has a reliable track record.
CZNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-1.32%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
CZNC pays out 58.12% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP58.12%
EPS Next 2Y18.97%
EPS Next 3Y16.8%
21.01
-0.87 (-3.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.99%
Inst Owner Change2.07%
Ins Owners2.65%
Ins Owner Change2.72%
Market Cap373.98M
Revenue(TTM)113.85M
Net Income(TTM)26.91M
Analysts45.71
Price Target21.93 (4.38%)
Short Float %1.77%
Short Ratio6.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Yearly Dividend1.01
Dividend Growth(5Y)-1.32%
DP58.12%
Div Incr Years0
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.46%
Min EPS beat(2)-19.26%
Max EPS beat(2)-15.67%
EPS beat(4)1
Avg EPS beat(4)-7.03%
Min EPS beat(4)-19.26%
Max EPS beat(4)15.47%
EPS beat(8)2
Avg EPS beat(8)-8.55%
EPS beat(12)5
Avg EPS beat(12)-3.79%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.68%
Min Revenue beat(2)1.71%
Max Revenue beat(2)3.65%
Revenue beat(4)2
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-4.5%
Max Revenue beat(4)3.65%
Revenue beat(8)5
Avg Revenue beat(8)1.76%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)0%
PT rev (3m)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-18.87%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.94 | ||
| Fwd PE | 8.78 | ||
| P/S | 3.28 | ||
| P/FCF | 11.8 | ||
| P/OCF | 11.16 | ||
| P/B | 1.27 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.76
EY8.38%
EPS(NY)2.39
Fwd EY11.38%
FCF(TTM)1.78
FCFY8.47%
OCF(TTM)1.88
OCFY8.96%
SpS6.4
BVpS16.51
TBVpS13.47
PEG (NY)2.9
PEG (5Y)N/A
Graham Number25.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 9.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.64% | ||
| GM | N/A | ||
| FCFM | 27.84% |
ROA(3y)1%
ROA(5y)1.03%
ROE(3y)9.69%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-1.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 1.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 81.05% | ||
| Cap/Sales | 1.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC12.53%
ROIC/WACCN/A
Cap/Depr(3y)110.09%
Cap/Depr(5y)115.24%
Cap/Sales(3y)2.33%
Cap/Sales(5y)2.44%
Profit Quality(3y)123.35%
Profit Quality(5y)118.44%
High Growth Momentum
Growth
EPS 1Y (TTM)22.22%
EPS 3Y-4.16%
EPS 5Y0%
EPS Q2Q%2.44%
EPS Next Y4.11%
EPS Next 2Y18.97%
EPS Next 3Y16.8%
EPS Next 5YN/A
Revenue 1Y (TTM)7.84%
Revenue growth 3Y1.43%
Revenue growth 5Y7.98%
Sales Q2Q%8.35%
Revenue Next Year6.18%
Revenue Next 2Y6.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.51%
FCF growth 3Y-1.91%
FCF growth 5Y9.7%
OCF growth 1Y-1.07%
OCF growth 3Y-1.76%
OCF growth 5Y8.02%
CITIZENS & NORTHERN CORP / CZNC FAQ
What is the ChartMill fundamental rating of CITIZENS & NORTHERN CORP (CZNC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CZNC.
Can you provide the valuation status for CITIZENS & NORTHERN CORP?
ChartMill assigns a valuation rating of 5 / 10 to CITIZENS & NORTHERN CORP (CZNC). This can be considered as Fairly Valued.
How profitable is CITIZENS & NORTHERN CORP (CZNC) stock?
CITIZENS & NORTHERN CORP (CZNC) has a profitability rating of 3 / 10.
Can you provide the expected EPS growth for CZNC stock?
The Earnings per Share (EPS) of CITIZENS & NORTHERN CORP (CZNC) is expected to grow by 4.11% in the next year.
Is the dividend of CITIZENS & NORTHERN CORP sustainable?
The dividend rating of CITIZENS & NORTHERN CORP (CZNC) is 7 / 10 and the dividend payout ratio is 58.12%.