CZNC Fundamental Analysis - CITIZENS & NORTHERN CORP

Fundamental Rating

CZNC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. CZNC has a bad profitability rating. Also its financial health evaluation is rather negative. CZNC has a correct valuation and a medium growth rate. CZNC also has an excellent dividend rating.

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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

With a decent Return On Assets value of 1.02%, CZNC is doing good in the industry, outperforming 68.94% of the companies in the same industry.

With a decent Return On Equity value of 9.48%, CZNC is doing good in the industry, outperforming 62.12% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.48%
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

CZNC's Profit Margin of 24.38% is in line compared to the rest of the industry. CZNC outperforms 54.55% of its industry peers.

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)	24.38%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

CZNC has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of CZNC is 1.48, which is an excellent value as it means it would take CZNC, only 1.48 years of fcf income to pay off all of its debts.

CZNC's Debt to FCF ratio of 1.48 is fine compared to the rest of the industry. CZNC outperforms 62.37% 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	1.48
Altman-Z	N/A

ROIC/WACCN/A

WACC13.51%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CZNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.13%, which is quite good.

The Revenue has been growing slightly by 5.25% in the past year.

Measured over the past years, CZNC shows a small growth in Revenue. The Revenue has been growing by 7.98% on average per year.

EPS 1Y (TTM)15.13%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%17.14%

Revenue 1Y (TTM)5.25%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%-11.05%

3.2 Future

CZNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.49% yearly.

The Revenue is expected to grow by 5.91% on average over the next years.

EPS Next Y10.45%

EPS Next 2Y8.49%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.24%

Revenue Next 2Y5.91%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.98, the valuation of CZNC can be described as reasonable.

CZNC's Price/Earnings ratio is a bit cheaper when compared to the industry. CZNC is cheaper than 67.93% of the companies in the same industry.

CZNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.

The Price/Forward Earnings ratio is 9.66, which indicates a very decent valuation of CZNC.

The rest of the industry has a similar Price/Forward Earnings ratio as CZNC.

Compared to an average S&P500 Price/Forward Earnings ratio of 37.64, CZNC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.98
Fwd PE	9.66

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	10.95
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.05

PEG (5Y)N/A

EPS Next 2Y8.49%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CZNC has a Yearly Dividend Yield of 5.66%, which is a nice return.

CZNC's Dividend Yield is rather good when compared to the industry average which is at 3.36. CZNC pays more dividend than 91.41% of the companies in the same industry.

CZNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.

		Industry Rank	Sector Rank
Dividend Yield	5.66%

5.2 History

The dividend of CZNC decreases each year by -1.32%.

CZNC has paid a dividend for at least 10 years, which is a reliable track record.

CZNC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-1.32%

Div Incr Years0

Div Non Decr Years14

5.3 Sustainability

58.33% of the earnings are spent on dividend by CZNC. This is a bit on the high side, but may be sustainable.

DP58.33%

EPS Next 2Y8.49%

EPS Next 3YN/A

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CITIZENS & NORTHERN CORP

NASDAQ:CZNC (7/25/2025, 8:00:00 PM)

After market: 19.22 0 (0%)

19.22

+0.04 (+0.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-30 2025-07-30/amc

Inst Owners34.12%

Inst Owner Change-0.02%

Ins Owners2.89%

Ins Owner Change3.65%

Market Cap297.72M

Analysts43.33

Price Target21.42 (11.45%)

Short Float %1.64%

Short Ratio7.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.66%

Yearly Dividend1.01

Dividend Growth(5Y)-1.32%

DP58.33%

Div Incr Years0

Div Non Decr Years14

Ex-Date05-02 2025-05-02 (0.28)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.41%

Min EPS beat(2)-8.65%

Max EPS beat(2)15.47%

EPS beat(4)2

Avg EPS beat(4)-0.82%

Min EPS beat(4)-10.68%

Max EPS beat(4)15.47%

EPS beat(8)4

Avg EPS beat(8)-0.75%

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-4.11%

Min Revenue beat(2)-4.5%

Max Revenue beat(2)-3.73%

Revenue beat(4)1

Avg Revenue beat(4)-2.01%

Min Revenue beat(4)-4.5%

Max Revenue beat(4)0.92%

Revenue beat(8)3

Avg Revenue beat(8)0.51%

Revenue beat(12)4

Avg Revenue beat(12)-0.31%

Revenue beat(16)5

Avg Revenue beat(16)-0.62%

PT rev (1m)-4.55%

PT rev (3m)-2.33%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-3.12%

EPS NY rev (1m)0%

EPS NY rev (3m)-4.19%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.77%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.38%

Valuation

		Industry Rank	Sector Rank
PE	10.98
Fwd PE	9.66
P/S	2.72
P/FCF	10.95
P/OCF	10.31
P/B	1.06
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)1.75

EY9.11%

EPS(NY)1.99

Fwd EY10.35%

FCF(TTM)1.76

FCFY9.13%

OCF(TTM)1.87

OCFY9.7%

SpS7.07

BVpS18.19

TBVpS14.68

PEG (NY)1.05

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.38%
GM	N/A
FCFM	24.81%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.48
Debt/EBITDA	N/A
Cap/Depr	76.52%
Cap/Sales	1.55%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	101.73%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC13.51%

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)15.13%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%17.14%

EPS Next Y10.45%

EPS Next 2Y8.49%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.25%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%-11.05%

Revenue Next Year7.24%

Revenue Next 2Y5.91%

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-24.32%

FCF growth 3Y-1.91%

FCF growth 5Y9.7%

OCF growth 1Y-24.96%

OCF growth 3Y-1.76%

OCF growth 5Y8.02%

CITIZENS & NORTHERN CORP (CZNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens