Citizens & Northern Corp (CZNC): Price and Financial Metrics

CZNC POWR Grades

• CZNC scores best on the Stability dimension, with a Stability rank ahead of 98.56% of US stocks.
• CZNC's strongest trending metric is Sentiment; it's been moving up over the last 177 days.
• CZNC's current lowest rank is in the Value metric (where it is better than 10.92% of US stocks).

CZNC Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.38 for CITIZENS & NORTHERN CORP; that's greater than it is for 89.06% of US stocks.
• With a year-over-year growth in debt of 134.39%, CITIZENS & NORTHERN CORP's debt growth rate surpasses 90.58% of about US stocks.
• In terms of volatility of its share price, CZNC is more volatile than just 1.12% of stocks we're observing.
• Stocks with similar financial metrics, market capitalization, and price volatility to CITIZENS & NORTHERN CORP are UVSP, CAC, EBMT, WSBC, and FSBW.
• CZNC's SEC filings can be seen here. And to visit CITIZENS & NORTHERN CORP's official web site, go to www.cnbankpa.com.

CZNC Valuation Summary

• In comparison to the median Financial Services stock, CZNC's price/sales ratio is 230% higher, now standing at 3.3.
• Over the past 243 months, CZNC's EV/EBIT ratio has gone down 7.4.

Below are key valuation metrics over time for CZNC.

CZNC Growth Metrics

Its year over year price growth rate is now at -4.61%.
• The year over year cash and equivalents growth rate now stands at -44.8%.
• Its 5 year cash and equivalents growth rate is now at 0.41%.

Over the past 33 months, CZNC's revenue has gone up $26,223,000.

The table below shows CZNC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	99.169	36.25	26.147
2022-06-30	100.724	33.45	29.091
2022-03-31	98.817	34.779	28.662
2021-12-31	100.159	34.844	30.554
2021-09-30	101	35.319	30.016
2021-06-30	101.025	34.438	25.465

CZNC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CZNC has a Quality Grade of C, ranking ahead of 45.25% of graded US stocks.
• CZNC's asset turnover comes in at 0.044 -- ranking 116th of 430 Banking stocks.
• NICK, FMAO, and MCB are the stocks whose asset turnover ratios are most correlated with CZNC.

The table below shows CZNC's key quality metrics over time.