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

CZNC POWR Grades

• Stability is the dimension where CZNC ranks best; there it ranks ahead of 77.53% of US stocks.
• The strongest trend for CZNC is in Stability, which has been heading down over the past 179 days.
• CZNC's current lowest rank is in the Value metric (where it is better than 24.04% of US stocks).

CZNC Stock Summary

• CZNC's went public 27.33 years ago, making it older than 71.36% of listed US stocks we're tracking.
• CZNC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 89.29% of US stocks.
• In terms of volatility of its share price, CZNC is more volatile than 26.95% of stocks we're observing.
• Stocks that are quantitatively similar to CZNC, based on their financial statements, market capitalization, and price volatility, are FBP, UMBF, CBFV, CAC, and SRCE.
• 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 11.4; this is 20% higher than that of the median Financial Services stock.
• Over the past 243 months, CZNC's price/earnings ratio has gone down 2.3.

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.