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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.64
CZNC's Cash to Debt is ranked lower than
68% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. CZNC: 0.64 )
Ranked among companies with meaningful Cash to Debt only.
CZNC' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.18 Max: N/A
Current: 0.64
Equity to Asset 0.16
CZNC's Equity to Asset is ranked higher than
87% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CZNC: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
CZNC' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.16
Current: 0.16
0.1
0.16
Interest Coverage 4.99
CZNC's Interest Coverage is ranked higher than
81% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CZNC: 4.99 )
Ranked among companies with meaningful Interest Coverage only.
CZNC' s Interest Coverage Range Over the Past 10 Years
Min: 0.39  Med: 2.37 Max: 4.74
Current: 4.99
0.39
4.74
F-Score: 6
M-Score: -2.37
WACC vs ROIC
4.18%
7.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 36.46
CZNC's Operating margin (%) is ranked higher than
63% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. CZNC: 36.46 )
Ranked among companies with meaningful Operating margin (%) only.
CZNC' s Operating margin (%) Range Over the Past 10 Years
Min: 26.49  Med: 40.05 Max: 224.19
Current: 36.46
26.49
224.19
Net-margin (%) 27.61
CZNC's Net-margin (%) is ranked higher than
65% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. CZNC: 27.61 )
Ranked among companies with meaningful Net-margin (%) only.
CZNC' s Net-margin (%) Range Over the Past 10 Years
Min: 21.52  Med: 30.04 Max: 142.26
Current: 27.61
21.52
142.26
ROE (%) 8.61
CZNC's ROE (%) is ranked higher than
52% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. CZNC: 8.61 )
Ranked among companies with meaningful ROE (%) only.
CZNC' s ROE (%) Range Over the Past 10 Years
Min: -29.71  Med: 9.22 Max: 15.26
Current: 8.61
-29.71
15.26
ROA (%) 1.31
CZNC's ROA (%) is ranked higher than
74% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CZNC: 1.31 )
Ranked among companies with meaningful ROA (%) only.
CZNC' s ROA (%) Range Over the Past 10 Years
Min: -3.02  Med: 1.36 Max: 1.77
Current: 1.31
-3.02
1.77
Revenue Growth (3Y)(%) -4.30
CZNC's Revenue Growth (3Y)(%) is ranked lower than
78% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. CZNC: -4.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CZNC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.3  Med: 2.80 Max: 102.3
Current: -4.3
-4.3
102.3
EBITDA Growth (3Y)(%) -10.40
CZNC's EBITDA Growth (3Y)(%) is ranked lower than
84% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. CZNC: -10.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CZNC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.8  Med: -1.10 Max: 21.9
Current: -10.4
-10.8
21.9
EPS Growth (3Y)(%) -10.10
CZNC's EPS Growth (3Y)(%) is ranked lower than
84% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CZNC: -10.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CZNC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.2  Med: 1.20 Max: 24.3
Current: -10.1
-12.2
24.3
» CZNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

CZNC Guru Trades in Q2 2015

Jim Simons 74,910 sh (+34.69%)
» More
Q3 2015

CZNC Guru Trades in Q3 2015

Jim Simons 102,700 sh (+37.10%)
» More
Q4 2015

CZNC Guru Trades in Q4 2015

Jim Simons 127,000 sh (+23.66%)
» More
Q1 2016

CZNC Guru Trades in Q1 2016

Jim Simons 169,860 sh (+33.75%)
» More
» Details

Insider Trades

Latest Guru Trades with CZNC

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HMPR, NAS:HBNC, NAS:TBK, NAS:HEOP, NAS:PFIS, NAS:WFBI » details
Citizens and Northern Corp is a holding company, which provides a range of banking and mortgage services to individual and corporate customers. It also engaged in investment activities, Bucktail reinsures credit and accident & health insurance.

Citizens and Northern Corp was formed in 1999 and was incorporated in the State of Pennsylvania. It is a holding company for Citizens & Northern Bank. The Company along with its subsidiaries is engaged in providing a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. Lending products include mortgage loans, commercial loans and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts and certificates of deposit. It also offers non-insured 'Repo Sweep' accounts. C&N Bank and First State Bank provide an extensive range of banking services, including deposit and loan products for personal and commercial customers. The Company provides Trust and Financial Management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. The Company offers a variety of personal and commercial insurance products through C&N Financial Services Corporation. C&N Financial Services Corporation also has a broker-dealer division, which offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Company is subject to regulation by certain federal and state agencies and undergoes periodic examination by those regulatory authorities.

Ratios

vs
industry
vs
history
P/E(ttm) 15.29
CZNC's P/E(ttm) is ranked lower than
63% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. CZNC: 15.29 )
Ranked among companies with meaningful P/E(ttm) only.
CZNC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.68  Med: 14.46 Max: 21.92
Current: 15.29
7.68
21.92
PE(NRI) 15.29
CZNC's PE(NRI) is ranked lower than
63% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CZNC: 15.29 )
Ranked among companies with meaningful PE(NRI) only.
CZNC' s PE(NRI) Range Over the Past 10 Years
Min: 7.67  Med: 14.48 Max: 21.79
Current: 15.29
7.67
21.79
Price/Owner Earnings (ttm) 14.30
CZNC's Price/Owner Earnings (ttm) is ranked lower than
60% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. CZNC: 14.30 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CZNC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.54  Med: 14.00 Max: 40.56
Current: 14.3
5.54
40.56
P/B 1.31
CZNC's P/B is ranked lower than
68% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. CZNC: 1.31 )
Ranked among companies with meaningful P/B only.
CZNC' s P/B Range Over the Past 10 Years
Min: 0.66  Med: 1.32 Max: 2.3
Current: 1.31
0.66
2.3
P/S 4.23
CZNC's P/S is ranked lower than
74% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. CZNC: 4.23 )
Ranked among companies with meaningful P/S only.
CZNC' s P/S Range Over the Past 10 Years
Min: 2.23  Med: 4.24 Max: 139.56
Current: 4.23
2.23
139.56
PFCF 13.31
CZNC's PFCF is ranked lower than
65% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. CZNC: 13.31 )
Ranked among companies with meaningful PFCF only.
CZNC' s PFCF Range Over the Past 10 Years
Min: 4  Med: 11.12 Max: 1970.91
Current: 13.31
4
1970.91
POCF 12.60
CZNC's POCF is ranked lower than
70% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. CZNC: 12.60 )
Ranked among companies with meaningful POCF only.
CZNC' s POCF Range Over the Past 10 Years
Min: 3.94  Med: 10.46 Max: 157.1
Current: 12.6
3.94
157.1
EV-to-EBIT 12.53
CZNC's EV-to-EBIT is ranked higher than
52% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CZNC: 12.53 )
Ranked among companies with meaningful EV-to-EBIT only.
CZNC' s EV-to-EBIT Range Over the Past 10 Years
Min: -142.5  Med: 12.20 Max: 85
Current: 12.53
-142.5
85
EV-to-EBITDA 11.46
CZNC's EV-to-EBITDA is ranked higher than
52% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. CZNC: 11.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
CZNC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -23.2  Med: 11.40 Max: 1630.3
Current: 11.46
-23.2
1630.3
Shiller P/E 22.84
CZNC's Shiller P/E is ranked lower than
69% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. CZNC: 22.84 )
Ranked among companies with meaningful Shiller P/E only.
CZNC' s Shiller P/E Range Over the Past 10 Years
Min: 5.82  Med: 15.25 Max: 23.6
Current: 22.84
5.82
23.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.11
CZNC's Dividend Yield is ranked higher than
80% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. CZNC: 5.11 )
Ranked among companies with meaningful Dividend Yield only.
CZNC' s Dividend Yield Range Over the Past 10 Years
Min: 1.73  Med: 4.69 Max: 11.78
Current: 5.11
1.73
11.78
Dividend Payout 0.78
CZNC's Dividend Payout is ranked lower than
90% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CZNC: 0.78 )
Ranked among companies with meaningful Dividend Payout only.
CZNC' s Dividend Payout Range Over the Past 10 Years
Min: 0.24  Med: 0.51 Max: 2.18
Current: 0.78
0.24
2.18
Dividend Growth (3y) 7.40
CZNC's Dividend Growth (3y) is ranked lower than
51% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CZNC: 7.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CZNC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -25.8  Med: 7.40 Max: 36.9
Current: 7.4
-25.8
36.9
Forward Dividend Yield 5.11
CZNC's Forward Dividend Yield is ranked higher than
78% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CZNC: 5.11 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 15.13
CZNC's Yield on cost (5-Year) is ranked higher than
93% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. CZNC: 15.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CZNC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 5.11  Med: 13.83 Max: 34.81
Current: 15.13
5.11
34.81
3-Year Average Share Buyback Ratio 0.20
CZNC's 3-Year Average Share Buyback Ratio is ranked higher than
78% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CZNC: 0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CZNC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13.5  Med: -0.30 Max: 0.6
Current: 0.2
-13.5
0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
CZNC's Price/Tangible Book is ranked lower than
65% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZNC: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
CZNC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.01  Med: 1.45 Max: 2.14
Current: 1.4
1.01
2.14
Price/Projected FCF 0.60
CZNC's Price/Projected FCF is ranked higher than
58% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CZNC: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
CZNC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.85 Max: 1.44
Current: 0.6
0.45
1.44
Price/Median PS Value 0.99
CZNC's Price/Median PS Value is ranked higher than
55% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CZNC: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
CZNC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.07 Max: 27.44
Current: 0.99
0.61
27.44
Price/Graham Number 0.97
CZNC's Price/Graham Number is ranked lower than
62% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. CZNC: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
CZNC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.66  Med: 0.94 Max: 1.28
Current: 0.97
0.66
1.28
Earnings Yield (Greenblatt) (%) 8.00
CZNC's Earnings Yield (Greenblatt) (%) is ranked higher than
57% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. CZNC: 8.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CZNC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 7.90 Max: 12.5
Current: 8
1.2
12.5
Forward Rate of Return (Yacktman) (%) 2.39
CZNC's Forward Rate of Return (Yacktman) (%) is ranked lower than
75% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. CZNC: 2.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CZNC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -28.7  Med: 10.65 Max: 25.4
Current: 2.39
-28.7
25.4

More Statistics

Revenue (TTM) (Mil) $58.78
EPS (TTM) $ 1.33
Beta0.32
Short Percentage of Float3.91%
52-Week Range $19.07 - 21.45
Shares Outstanding (Mil)12.05
» More Articles for CZNC

Headlines

Articles On GuruFocus.com
The Best Stocks With Dividend Growth From Last Week (April 16 – April 22, 2012) Apr 22 2012 
Citizens & Northern Corp Reports Operating Results (10-K) Mar 01 2011 
Citizens & Northern Corp Reports Operating Results (10-Q) Nov 08 2010 
Citizens & Northern Corp Reports Operating Results (10-Q) Aug 06 2010 
Citizens & Northern Corp Reports Operating Results (10-Q) May 07 2010 
16 Dividend Stocks Acting As An Inflation Hedge: Procter & Gamble, Sonoco, Fidelity National, Kinder Apr 27 2010 
Citizens & Northern Corp (CZNC) COO Charles H. Jr Updegraff buys 4,000 Shares Nov 25 2009 
Citizens & Northern Corp Reports Operating Results (10-Q) Nov 09 2009 
Citizens & Northern Corp Reports Operating Results (10-Q) Aug 07 2009 
Citizens & Northern Corp Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
CITIZENS & NORTHERN CORP Financials May 13 2016
CITIZENS & NORTHERN CORP Files SEC form 10-Q, Quarterly Report May 05 2016
ETF’s with exposure to Citizens & Northern Corp. : April 22, 2016 Apr 22 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Apr 22 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Regulation FD Disclosure Apr 21 2016
Citizens & Northern Corp. :CZNC-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 13 2016
CITIZENS & NORTHERN CORP Files SEC form 10-K, Annual Report Feb 18 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 09 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 21 2016
Citizens & Northern Corp. Earnings Analysis: Q4, 2015 By the Numbers Jan 21 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 13 2016
CITIZENS & NORTHERN CORP Files SEC form 8-K, Triggering Events That Accelerate or Increase a Direct... Dec 22 2015
Citizens & Northern Corp. Earnings Q3, 2015 Nov 12 2015
CITIZENS & NORTHERN CORP Files SEC form 8-K, Regulation FD Disclosure Nov 09 2015
CITIZENS & NORTHERN CORP Files SEC form 10-Q, Quarterly Report Nov 05 2015
CITIZENS & NORTHERN CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 22 2015
CITIZENS & NORTHERN CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 13 2015
ETF’s with exposure to Citizens & Northern Corp. : September 24, 2015 Sep 24 2015

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