CZNC:NAS (USA)

Citizens & Northern Corp

$ 27.67 0 (0%)
Volume: 4,975 Avg Vol (1m): 12,999
Market Cap $: 342.92 Mil Enterprise Value $: -14,930,000.00
P/E (TTM): 15.04 P/B: 1.69
Earnings Power Value 28.33
Net Current Asset Value 0
Tangible Book 15.4
Projected FCF 29.55
Median P/S Value 22.19
Graham Number 25.25
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 4/10

Current vs industry vs history
Cash-to-Debt No Debt
Equity-to-Asset 0.16
Debt-to-Equity 0.22
Debt-to-EBITDA 0.64
Beneish M-Score -2.40
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.27%

Profitability & Growth : 3/10

Current vs industry vs history
Net Margin % 33.85
ROE % 11.72
ROA % 1.77
3-Year Total Revenue Growth Rate 4.40
3-Year EPS w/o NRI Growth Rate 9.90

» CZNC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-19)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:INBK NAS:BFIN NAS:FNLC NAS:PDLB NAS:CVCY NAS:BLMT NAS:MFSF OTCPK:FFMR NAS:SMMF NAS:NKSH NAS:FNBG OTCPK:CSHX OTCPK:MCBS NAS:WNEB NAS:SMBK NAS:ATLO NAS:RBNC OTCPK:ALRS NAS:CVLY NAS:AMNB
Traded in other countries
Address 90-92 Main Street, Wellsboro, PA, USA, 16901
Citizens & Northern Corp is a Pennsylvania-based community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. It competes in Tioga, Bradford, Sullivan, Lycoming, Potter, Cameron and McKean counties in Pennsylvania, and Steuben and Allegany counties in New York.

Ratios

Current vs industry vs history
PE Ratio (TTM) 15.04
PE Ratio without NRI 15.04
Price-to-Owner-Earnings 14.39
PB Ratio 1.71
PS Ratio 5.11
Price-to-Free-Cash-Flow 13.72
Price-to-Operating-Cash-Flow 13.10
EV-to-Revenue -0.24
Shiller PE Ratio 29.29

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.88
Dividend Payout Ratio 0.59
3-Year Dividend Growth Rate (Per Share) 1.30
Forward Dividend Yield % 3.88
N/A
Yield-on-Cost (5-Year) % 4.10
3-Year Share Buyback Rate -0.40

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.80
Price-to-Projected-FCF 0.94
Price-to-Median-PS-Value 1.25
Price-to-Graham-Number 1.10

More Statistics

Revenue (TTM) (Mil) $ 67.15
EPS (TTM) $ 1.84
Beta 0.42
Volatility % 16.13
52-Week Range $ 23.6 - 28.99
Shares Outstanding (Mil) 12.39

Analyst Estimate

Piotroski F-Score Details