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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.77
CZNC's Cash to Debt is ranked higher than
70% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CZNC: 0.77 )
CZNC' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.77

Equity to Asset 0.15
CZNC's Equity to Asset is ranked higher than
92% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CZNC: 0.15 )
CZNC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.15
Current: 0.15

0.1
0.15
Interest Coverage 4.30
CZNC's Interest Coverage is ranked higher than
89% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CZNC: 4.30 )
CZNC' s 10-Year Interest Coverage Range
Min: 0.34   Max: 4.3
Current: 4.3

0.34
4.3
F-Score: 4
Z-Score: 0.35
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 : 5/10

vs
industry
vs
history
Operating margin (%) 40.41
CZNC's Operating margin (%) is ranked higher than
87% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. CZNC: 40.41 )
CZNC' s 10-Year Operating margin (%) Range
Min: -282.48   Max: 227.08
Current: 40.41

-282.48
227.08
Net-margin (%) 30.32
CZNC's Net-margin (%) is ranked higher than
87% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. CZNC: 30.32 )
CZNC' s 10-Year Net-margin (%) Range
Min: 21.52   Max: 230.05
Current: 30.32

21.52
230.05
ROE (%) 10.36
CZNC's ROE (%) is ranked higher than
84% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. CZNC: 10.36 )
CZNC' s 10-Year ROE (%) Range
Min: -25.81   Max: 14.99
Current: 10.36

-25.81
14.99
ROA (%) 1.50
CZNC's ROA (%) is ranked higher than
93% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CZNC: 1.50 )
CZNC' s 10-Year ROA (%) Range
Min: -2.98   Max: 1.77
Current: 1.5

-2.98
1.77
ROC (Joel Greenblatt) (%) 142.15
CZNC's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. CZNC: 142.15 )
CZNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -254.94   Max: 196.93
Current: 142.15

-254.94
196.93
Revenue Growth (%) 1.50
CZNC's Revenue Growth (%) is ranked higher than
76% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CZNC: 1.50 )
CZNC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 101.6
Current: 1.5

0
101.6
EBITDA Growth (%) -1.20
CZNC's EBITDA Growth (%) is ranked higher than
63% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CZNC: -1.20 )
CZNC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 51.1
Current: -1.2

0
51.1
EPS Growth (%) 1.10
CZNC's EPS Growth (%) is ranked higher than
65% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CZNC: 1.10 )
CZNC' s 10-Year EPS Growth (%) Range
Min: -12.1   Max: 24.3
Current: 1.1

-12.1
24.3
» CZNC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

CZNC Guru Trades in Q3 2013

Jim Simons 11,900 sh (New)
» More
Q4 2013

CZNC Guru Trades in Q4 2013

Jim Simons 19,700 sh (+65.55%)
» More
Q1 2014

CZNC Guru Trades in Q1 2014

Jim Simons 18,240 sh (-7.41%)
» More
Q2 2014

CZNC Guru Trades in Q2 2014

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CZNC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
CZNC's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. CZNC: 14.20 )
CZNC' s 10-Year P/E(ttm) Range
Min: 7.68   Max: 21.92
Current: 14.2

7.68
21.92
P/B 1.30
CZNC's P/B is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CZNC: 1.30 )
CZNC' s 10-Year P/B Range
Min: 0.66   Max: 2.3
Current: 1.3

0.66
2.3
P/S 4.20
CZNC's P/S is ranked lower than
52% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. CZNC: 4.20 )
CZNC' s 10-Year P/S Range
Min: 2.29   Max: 15.93
Current: 4.2

2.29
15.93
PFCF 9.81
CZNC's PFCF is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. CZNC: 9.81 )
CZNC' s 10-Year PFCF Range
Min: 4   Max: 27.61
Current: 9.81

4
27.61
EV-to-EBIT 11.35
CZNC's EV-to-EBIT is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. CZNC: 11.35 )
CZNC' s 10-Year EV-to-EBIT Range
Min: 8   Max: 69.4
Current: 11.35

8
69.4
Shiller P/E 38.79
CZNC's Shiller P/E is ranked higher than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. CZNC: 38.79 )
CZNC' s 10-Year Shiller P/E Range
Min: 7.15   Max: 50.07
Current: 38.79

7.15
50.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.20
CZNC's Dividend Yield is ranked higher than
91% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. CZNC: 5.20 )
CZNC' s 10-Year Dividend Yield Range
Min: 1.73   Max: 11.78
Current: 5.2

1.73
11.78
Dividend Payout 0.73
CZNC's Dividend Payout is ranked higher than
56% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. CZNC: 0.73 )
CZNC' s 10-Year Dividend Payout Range
Min: 0.24   Max: 2.18
Current: 0.73

0.24
2.18
Dividend growth (3y) 36.90
CZNC's Dividend growth (3y) is ranked higher than
94% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. CZNC: 36.90 )
CZNC' s 10-Year Dividend growth (3y) Range
Min: -25.8   Max: 36.9
Current: 36.9

-25.8
36.9
Yield on cost (5-Year) 10.60
CZNC's Yield on cost (5-Year) is ranked higher than
94% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. CZNC: 10.60 )
CZNC' s 10-Year Yield on cost (5-Year) Range
Min: 3.53   Max: 24
Current: 10.6

3.53
24
Share Buyback Rate -0.70
CZNC's Share Buyback Rate is ranked higher than
78% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CZNC: -0.70 )
CZNC' s 10-Year Share Buyback Rate Range
Min: 0.3   Max: -11.5
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.39
CZNC's Price/Tangible Book is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. CZNC: 1.39 )
CZNC' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 2.16
Current: 1.39

1.01
2.16
Price/DCF (Projected) 0.61
CZNC's Price/DCF (Projected) is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CZNC: 0.61 )
CZNC' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.23
Current: 0.61

0.4
1.23
Price/Median PS Value 0.91
CZNC's Price/Median PS Value is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CZNC: 0.91 )
CZNC' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 5.22
Current: 0.91

0.57
5.22
Price/Graham Number 0.93
CZNC's Price/Graham Number is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CZNC: 0.93 )
CZNC' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.56
Current: 0.93

0.66
2.56
Earnings Yield (Greenblatt) 8.80
CZNC's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CZNC: 8.80 )
CZNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 12.5
Current: 8.8

1.4
12.5
Forward Rate of Return (Yacktman) 9.09
CZNC's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. CZNC: 9.09 )
CZNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.2   Max: 20.9
Current: 9.09

-10.2
20.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Citizens and Northern Corporation was incorporated in the State of Pennsylvania. It is a holding company for Citizens & Northern Bank. The Company 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.
» 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 

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