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

CZNC POWR Grades

• Stability is the dimension where CZNC ranks best; there it ranks ahead of 94.56% of US stocks.
• The strongest trend for CZNC is in Momentum, which has been heading up over the past 179 days.
• CZNC's current lowest rank is in the Growth metric (where it is better than 13.52% of US stocks).

CZNC Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 7.76 for Citizens & Northern Corp; that's greater than it is for 86.49% of US stocks.
• The volatility of Citizens & Northern Corp's share price is greater than that of only 1.72% US stocks with at least 200 days of trading history.
• Citizens & Northern Corp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 9.23%, greater than the shareholder yield of 82.83% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to Citizens & Northern Corp, a group of peers worth examining would be TCFC, HTLF, FNCB, CPF, and FFWM.
• Visit CZNC's SEC page to see the company's official filings. To visit the company's 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%.
• Its 2 year net income to common stockholders growth rate is now at 29.25%.
• The 2 year net cashflow from operations growth rate now stands at 10.4%.

Over the past 52 months, CZNC's revenue has gone up $43,193,000.

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
2021-12-31	100.159	34.844	30.554
2021-09-30	101	35.319	30.016
2021-06-30	101.025	34.438	25.465
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

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.