21.45 USD
-0.16 (-0.74%)
21.45 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CZNC. CZNC was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of CZNC have multiple concerns. CZNC is not valued too expensively and it also shows a decent growth rate. Finally CZNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CZNC had positive earnings in the past year.
- In the past year CZNC had a positive cash flow from operations.
- Each year in the past 5 years CZNC has been profitable.
- In the past 5 years CZNC always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.01%, CZNC is in the better half of the industry, outperforming 61.62% of the companies in the same industry.
- CZNC's Return On Equity of 9.15% is in line compared to the rest of the industry. CZNC outperforms 53.00% 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.
- 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.
- Compared to 1 year ago, CZNC has more shares outstanding
- The number of shares outstanding for CZNC has been increased compared to 5 years ago.
- CZNC has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CZNC is 1.30, 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 (1.30) which is comparable to the rest of the industry.
- 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
WACC12.44%
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.
- Looking at the last year, CZNC shows a small growth in Revenue. The Revenue has grown by 7.84% in the last year.
- CZNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.98% yearly.
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
- CZNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.80% yearly.
- CZNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.68% yearly.
EPS Next Y12.26%
EPS Next 2Y21.23%
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 12.19 indicates a correct valuation of CZNC.
- The rest of the industry has a similar Price/Earnings ratio as CZNC.
- CZNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- A Price/Forward Earnings ratio of 8.64 indicates a reasonable valuation of CZNC.
- Based on the Price/Forward Earnings ratio, CZNC is valued cheaper than 83.55% 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 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 8.64 |
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 | 12.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CZNC's earnings are expected to grow with 16.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y21.23%
EPS Next 3Y16.8%
5. Dividend
5.1 Amount
- CZNC has a Yearly Dividend Yield of 5.18%, which is a nice return.
- CZNC's Dividend Yield is rather good when compared to the industry average which is at 2.86. CZNC pays more dividend than 87.99% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, CZNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
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 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
- 58.12% 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 2Y21.23%
EPS Next 3Y16.8%
21.45
-0.16 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners29.99%
Inst Owner Change0.12%
Ins Owners2.65%
Ins Owner Change2.67%
Market Cap381.81M
Revenue(TTM)113.85M
Net Income(TTM)26.91M
Analysts45.71
Price Target22.7 (5.83%)
Short Float %1.91%
Short Ratio5.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
Yearly Dividend1.01
Dividend Growth(5Y)-1.32%
DP58.12%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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)3.49%
PT rev (3m)5.95%
EPS NQ rev (1m)36.05%
EPS NQ rev (3m)10.38%
EPS NY rev (1m)7.83%
EPS NY rev (3m)1.09%
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 | 12.19 | ||
| Fwd PE | 8.64 | ||
| P/S | 3.35 | ||
| P/FCF | 12.05 | ||
| P/OCF | 11.4 | ||
| P/B | 1.3 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.76
EY8.21%
EPS(NY)2.48
Fwd EY11.58%
FCF(TTM)1.78
FCFY8.3%
OCF(TTM)1.88
OCFY8.77%
SpS6.4
BVpS16.51
TBVpS13.47
PEG (NY)0.99
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
WACC12.44%
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 Y12.26%
EPS Next 2Y21.23%
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.
What is the valuation status for CZNC stock?
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 12.26% in the next year.
Can you provide the dividend sustainability for CZNC stock?
The dividend rating of CITIZENS & NORTHERN CORP (CZNC) is 7 / 10 and the dividend payout ratio is 58.12%.