CITIZENS & NORTHERN CORP(NASDAQ:CZNC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CZNC. CZNC was compared to 398 industry peers in the Banks industry. CZNC may be in some trouble as it scores bad on both profitability and health. CZNC has a correct valuation and a medium growth rate. Finally CZNC also has an excellent dividend rating.

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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.

CZNC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

CZNC has a better Return On Assets (0.99%) than 66.08% of its industry peers.

Looking at the Return On Equity, with a value of 9.35%, CZNC is in the better half of the industry, outperforming 61.06% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.99%
ROE	9.35%
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 23.77% is in line compared to the rest of the industry. CZNC outperforms 52.26% of its industry peers.

CZNC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for CZNC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.77%
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

Compared to 5 years ago, CZNC has more shares outstanding

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 1.36, which is an excellent value as it means it would take CZNC, only 1.36 years of fcf income to pay off all of its debts.

CZNC has a better Debt to FCF ratio (1.36) than 67.59% of its industry peers.

CZNC has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

CZNC's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. CZNC outperforms 58.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.36
Altman-Z	N/A

ROIC/WACCN/A

WACC13.43%

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

The Earnings Per Share has been growing slightly by 7.64% over the past year.

Looking at the last year, CZNC shows a small growth in Revenue. The Revenue has grown by 3.35% in the last 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)7.64%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%89.29%

Revenue 1Y (TTM)3.35%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%-6.71%

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 10.28% on average per year.

The Revenue is expected to grow by 6.77% on average over the next years.

EPS Next Y15.28%

EPS Next 2Y10.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.85%

Revenue Next 2Y6.77%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.05, the valuation of CZNC can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of CZNC is on the same level as its industry peers.

CZNC is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.

CZNC is valuated reasonably with a Price/Forward Earnings ratio of 9.59.

CZNC's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, CZNC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.05
Fwd PE	9.59

4.2 Price Multiples

CZNC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CZNC is cheaper than 63.07% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.28
EV/EBITDA	N/A

4.3 Compensation for Growth

CZNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.72

PEG (5Y)N/A

EPS Next 2Y10.28%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.75%, CZNC is a good candidate for dividend investing.

CZNC's Dividend Yield is rather good when compared to the industry average which is at 3.63. CZNC pays more dividend than 90.20% of the companies in the same industry.

CZNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	5.75%

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

60.32% of the earnings are spent on dividend by CZNC. This is not a sustainable payout ratio.

DP60.32%

EPS Next 2Y10.28%

EPS Next 3YN/A

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CITIZENS & NORTHERN CORP

NASDAQ:CZNC (4/24/2025, 5:20:00 PM)

After market: 18.68 0 (0%)

18.68

-0.76 (-3.91%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners33.93%

Inst Owner Change-0.28%

Ins Owners2.76%

Ins Owner Change2.27%

Market Cap288.98M

Analysts45.71

Price Target21.93 (17.4%)

Short Float %0.39%

Short Ratio1.58

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.75%

Yearly Dividend1.01

Dividend Growth(5Y)-1.32%

DP60.32%

Div Incr Years0

Div Non Decr Years14

Ex-Date02-03 2025-02-03 (0.28)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.4%

Min EPS beat(2)-10.68%

Max EPS beat(2)15.47%

EPS beat(4)2

Avg EPS beat(4)1.2%

Min EPS beat(4)-10.68%

Max EPS beat(4)15.47%

EPS beat(8)4

Avg EPS beat(8)-0.5%

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)-2.23%

Min Revenue beat(2)-3.73%

Max Revenue beat(2)-0.73%

Revenue beat(4)2

Avg Revenue beat(4)1.99%

Min Revenue beat(4)-3.73%

Max Revenue beat(4)11.48%

Revenue beat(8)3

Avg Revenue beat(8)0.26%

Revenue beat(12)5

Avg Revenue beat(12)0.25%

Revenue beat(16)5

Avg Revenue beat(16)-0.42%

PT rev (1m)2.38%

PT rev (3m)2.38%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.32%

EPS NY rev (1m)0%

EPS NY rev (3m)6.11%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.65%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.44%

Valuation

		Industry Rank	Sector Rank
PE	11.05
Fwd PE	9.59
P/S	2.67
P/FCF	9.28
P/OCF	8.75
P/B	1.05
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)1.69

EY9.05%

EPS(NY)1.95

Fwd EY10.43%

FCF(TTM)2.01

FCFY10.77%

OCF(TTM)2.14

OCFY11.43%

SpS7

BVpS17.79

TBVpS14.27

PEG (NY)0.72

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.99%
ROE	9.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.77%
GM	N/A
FCFM	28.74%

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-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.36
Debt/EBITDA	N/A
Cap/Depr	87.31%
Cap/Sales	1.76%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	120.9%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC13.43%

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)7.64%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%89.29%

EPS Next Y15.28%

EPS Next 2Y10.28%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.35%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%-6.71%

Revenue Next Year9.85%

Revenue Next 2Y6.77%

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-0.49%

FCF growth 3Y-1.91%

FCF growth 5Y9.7%

OCF growth 1Y-1.53%

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