20.16 USD
-0.03 (-0.15%)
20.16 USD
0 (0%)
Taking everything into account, CZNC scores 4 out of 10 in our fundamental rating. CZNC was compared to 387 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
In the past year CZNC was profitable.
In the past year CZNC had a positive cash flow from operations.
CZNC had positive earnings in each of the past 5 years.
Each year in the past 5 years CZNC had a positive operating cash flow.
1.2 Ratios
CZNC's Return On Assets of 1.01% is fine compared to the rest of the industry. CZNC outperforms 61.50% of its industry peers.
Looking at the Return On Equity, with a value of 9.15%, CZNC is in line with its industry, outperforming 54.01% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 23.64%, CZNC is in line with its industry, outperforming 46.77% of the companies in the same industry.
In the last couple of years the Profit Margin of CZNC has declined.
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.
The number of shares outstanding for CZNC has been increased compared to 1 year ago.
Compared to 5 years ago, CZNC has more shares outstanding
Compared to 1 year ago, CZNC has an improved debt to assets ratio.
2.2 Solvency
CZNC has a debt to FCF ratio of 1.30. This is a very positive value and a sign of high solvency as it would only need 1.30 years to pay back of all of its debts.
The Debt to FCF ratio of CZNC (1.30) is better than 60.21% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that CZNC is not too dependend on debt financing.
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
WACC12.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.22% over the past year.
Looking at the last year, CZNC shows a small growth in Revenue. The Revenue has grown by 7.84% in the last 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
The Earnings Per Share is expected to grow by 16.80% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.45, the valuation of CZNC can be described as very reasonable.
CZNC's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.31, CZNC is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.43, the valuation of CZNC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CZNC is valued a bit cheaper than the industry average as 79.59% of the companies are valued more expensively.
CZNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.45 | ||
| Fwd PE | 8.43 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CZNC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as CZNC's earnings are expected to grow with 16.80% in the coming years.
PEG (NY)2.79
PEG (5Y)N/A
EPS Next 2Y18.97%
EPS Next 3Y16.8%
5. Dividend
5.1 Amount
CZNC has a Yearly Dividend Yield of 5.88%, which is a nice return.
CZNC's Dividend Yield is rather good when compared to the industry average which is at 3.33. CZNC pays more dividend than 93.28% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, CZNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
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
58.12% of the earnings are spent on dividend by CZNC. This is a bit on the high side, but may be sustainable.
DP58.12%
EPS Next 2Y18.97%
EPS Next 3Y16.8%
20.16
-0.03 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.85%
Inst Owner Change2.06%
Ins Owners2.75%
Ins Owner Change2.72%
Market Cap358.85M
Revenue(TTM)113.85M
Net Income(TTM)26.91M
Analysts45.71
Price Target21.93 (8.78%)
Short Float %1.43%
Short Ratio5.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
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)2.38%
PT rev (3m)2.38%
EPS NQ rev (1m)6.17%
EPS NQ rev (3m)-18.87%
EPS NY rev (1m)-0.29%
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 | 11.45 | ||
| Fwd PE | 8.43 | ||
| P/S | 3.15 | ||
| P/FCF | 11.32 | ||
| P/OCF | 10.71 | ||
| P/B | 1.22 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.76
EY8.73%
EPS(NY)2.39
Fwd EY11.86%
FCF(TTM)1.78
FCFY8.83%
OCF(TTM)1.88
OCFY9.34%
SpS6.4
BVpS16.51
TBVpS13.47
PEG (NY)2.79
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
WACC12.5%
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 4 / 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%.