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

CZNC POWR Grades

• CZNC scores best on the Sentiment dimension, with a Sentiment rank ahead of 84.76% of US stocks.
• CZNC's strongest trending metric is Momentum; it's been moving up over the last 47 weeks.
• CZNC ranks lowest in Value; there it ranks in the 25th percentile.

CZNC Stock Summary

• CZNC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 85.19% of US stocks.
• Revenue growth over the past 12 months for Citizens & Northern Corp comes in at 35.08%, a number that bests 80.66% of the US stocks we're tracking.
• Citizens & Northern Corp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 23.97%, greater than the shareholder yield of 90.55% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to Citizens & Northern Corp are WABC, OCFC, ABTX, FBNC, and BXS.
• 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

• CZNC's price/earnings ratio is 15.5; this is 40.91% higher than that of the median Financial Services stock.
• Over the past 243 months, CZNC's EV/EBIT ratio has gone down 13.3.
• Over the past 243 months, CZNC's price/sales ratio has gone down 0.2.

Below are key valuation metrics over time for CZNC.

CZNC Growth Metrics

• Its 4 year price growth rate is now at -13.01%.
• The 2 year revenue growth rate now stands at 25.57%.
• Its year over year price growth rate is now at 44.75%.

Over the past 52 months, CZNC's revenue has gone up $45,194,000.

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
2021-06-30	101.025	34.438	25.465
2021-03-31	96.736	26.37	23.843
2020-12-31	88.165	24.784	19.222
2020-09-30	81.029	20.785	17.91
2020-06-30	74.788	20.634	20.369
2020-03-31	73.903	23.768	18.58

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 44.64% of graded US stocks.
• CZNC's asset turnover comes in at 0.044 -- ranking 117th of 436 Banking stocks.
• NICK, MCB, and EEFT are the stocks whose asset turnover ratios are most correlated with CZNC.

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