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CITIZENS & NORTHERN CORP (CZNC) Stock Fundamental Analysis

NASDAQ:CZNC - Nasdaq - US1729221069 - Common Stock - Currency: USD

20.44  +0.03 (+0.15%)

After market: 20.44 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CZNC. CZNC was compared to 402 industry peers in the Banks industry. CZNC has a bad profitability rating. Also its financial health evaluation is rather negative. CZNC has a valuation in line with the averages, but it does not seem to be growing. CZNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years CZNC 4 years were profitable.
Of the past 5 years CZNC 4 years had a positive operating cash flow.
CZNC Yearly Net Income VS EBIT VS OCF VS FCFCZNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

CZNC has a Return On Assets (0.82%) which is in line with its industry peers.
The Return On Equity of CZNC (7.89%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.82%
ROE 7.89%
ROIC N/A
ROA(3y)1.11%
ROA(5y)1.07%
ROE(3y)9.93%
ROE(5y)8.82%
ROIC(3y)N/A
ROIC(5y)N/A
CZNC Yearly ROA, ROE, ROICCZNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

CZNC's Profit Margin of 20.72% is in line compared to the rest of the industry. CZNC outperforms 40.59% of its industry peers.
In the last couple of years the Profit Margin of CZNC has declined.
The Operating Margin and Gross Margin are not available for CZNC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.72%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.34%
PM growth 5Y-7.1%
GM growth 3YN/A
GM growth 5YN/A
CZNC Yearly Profit, Operating, Gross MarginsCZNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

2. Health

2.1 Basic Checks

CZNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
CZNC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CZNC Yearly Shares OutstandingCZNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
CZNC Yearly Total Debt VS Total AssetsCZNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

CZNC has a debt to FCF ratio of 1.56. This is a very positive value and a sign of high solvency as it would only need 1.56 years to pay back of all of its debts.
CZNC has a Debt to FCF ratio of 1.56. This is in the better half of the industry: CZNC outperforms 63.86% 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 has a better Debt to Equity ratio (0.15) than 62.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC10.67%
CZNC Yearly LT Debt VS Equity VS FCFCZNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZNC Yearly Current Assets VS Current LiabilitesCZNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 0 0 0 0

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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.64% over the past year.
EPS 1Y (TTM)7.64%
EPS 3Y-4.16%
EPS 5Y0%
EPS Q2Q%89.29%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.04%

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 10.28% yearly.
CZNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.77% yearly.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
CZNC Yearly Revenue VS EstimatesCZNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CZNC Yearly EPS VS EstimatesCZNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.09 indicates a correct valuation of CZNC.
CZNC's Price/Earnings is on the same level as the industry average.
CZNC is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.49, which indicates a very decent valuation of CZNC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CZNC is on the same level as its industry peers.
CZNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.09
Fwd PE 10.49
CZNC Price Earnings VS Forward Price EarningsCZNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 12.01
EV/EBITDA N/A
CZNC Per share dataCZNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
PEG (NY)0.79
PEG (5Y)N/A
EPS Next 2Y10.28%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.49%, CZNC is a good candidate for dividend investing.
CZNC's Dividend Yield is rather good when compared to the industry average which is at 3.37. CZNC pays more dividend than 91.58% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, CZNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.49%

5.2 History

The dividend of CZNC has a limited annual growth rate of 1.06%.
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)1.06%
Div Incr Years0
Div Non Decr Years14
CZNC Yearly Dividends per shareCZNC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

CZNC pays out 70.88% of its income as dividend. This is not a sustainable payout ratio.
CZNC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP70.88%
EPS Next 2Y10.28%
EPS Next 3YN/A
CZNC Yearly Income VS Free CF VS DividendCZNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
CZNC Dividend Payout.CZNC Dividend Payout, showing the Payout Ratio.CZNC Dividend Payout.PayoutRetained Earnings

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CITIZENS & NORTHERN CORP

NASDAQ:CZNC (3/7/2025, 8:17:01 PM)

After market: 20.44 0 (0%)

20.44

+0.03 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners33.93%
Inst Owner Change1.85%
Ins Owners2.76%
Ins Owner Change2.23%
Market Cap315.39M
Analysts45.71
Price Target21.42 (4.79%)
Short Float %0.46%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 5.49%
Yearly Dividend1.01
Dividend Growth(5Y)1.06%
DP70.88%
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)-5.06%
Min EPS beat(2)-10.68%
Max EPS beat(2)0.55%
EPS beat(4)1
Avg EPS beat(4)-10.07%
Min EPS beat(4)-29.61%
Max EPS beat(4)0.55%
EPS beat(8)4
Avg EPS beat(8)-2.17%
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)1
Avg Revenue beat(2)0.1%
Min Revenue beat(2)-0.73%
Max Revenue beat(2)0.92%
Revenue beat(4)3
Avg Revenue beat(4)4.24%
Min Revenue beat(4)-0.73%
Max Revenue beat(4)11.48%
Revenue beat(8)4
Avg Revenue beat(8)0.79%
Revenue beat(12)5
Avg Revenue beat(12)0.31%
Revenue beat(16)6
Avg Revenue beat(16)-0.12%
PT rev (1m)0%
PT rev (3m)-2.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.78%
Valuation
Industry RankSector Rank
PE 12.09
Fwd PE 10.49
P/S 2.99
P/FCF 12.01
P/OCF 10.99
P/B 1.14
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)1.69
EY8.27%
EPS(NY)1.95
Fwd EY9.53%
FCF(TTM)1.7
FCFY8.33%
OCF(TTM)1.86
OCFY9.1%
SpS6.84
BVpS17.97
TBVpS14.43
PEG (NY)0.79
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 7.89%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.72%
GM N/A
FCFM 24.88%
ROA(3y)1.11%
ROA(5y)1.07%
ROE(3y)9.93%
ROE(5y)8.82%
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 3Y3.34%
PM growth 5Y-7.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.56
Debt/EBITDA N/A
Cap/Depr 113.28%
Cap/Sales 2.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.67%
ROIC/WACCN/A
Cap/Depr(3y)110.09%
Cap/Depr(5y)130.57%
Cap/Sales(3y)2.34%
Cap/Sales(5y)2.86%
Profit Quality(3y)119.33%
Profit Quality(5y)114.46%
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.04%
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-19.32%
FCF growth 3Y13.07%
FCF growth 5Y4.82%
OCF growth 1Y-20.78%
OCF growth 3Y10.63%
OCF growth 5Y5.32%