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Citizens and Northern Corporation  (NASDAQ: CZNC)
Other Ticker:  
 
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial

Citizens and Northern Corporation

CZNC's Fundamental analysis



Citizens And Northern's sales fell by -4.73 % in III. Quarter 2024 from the same quarter a year ago. Ranking at No. 1307

Regional Banks industry recorded deterioration of revenues by -1 %

Citizens And Northern's net profit decreased by -16.15 % in III. Quarter 2024 year on year, to $6 millions.

• More on CZNC's Growth


Citizens And Northern
current PE on trailing twelve month basis is above Regional Banks industry average.

Company is currently trading with Price to Cash flow multiple of 2.36 in trailing twelve-month period.
Company
14.05
PE TTM   
Industry
8.47
PE TTM    
Company's Price to Sales ratio is at 3.08.
Regional Banks industry's Price to Sales ratio is at 3.16.


• More on CZNC's Valuation
 
 Total Debt (Millions $) 36
 Dividend TTM ($) 1.01 $
 Dividend Yield TTM (%) 4.94 %
 Revenue/Employee (TTM) $ 252,225
 Net Income/Employee (TTM) $ 54,567
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 14.34

Citizens And Northern
current PE on trailing twelve month basis is above Regional Banks industry average.

Company is currently trading with Price to Cash flow multiple of 2.36 in trailing twelve-month period.
Company
14.05
PE TTM   
Industry
8.47
PE TTM    
Company's Price to Sales ratio is at 3.08.
Regional Banks industry's Price to Sales ratio is at 3.16.

Citizens And Northern Price to Book Ratio is at 1.13 lower than Industry Avg. of 59.18. and higher than S&P 500 Avg. of 0.01

• More on CZNC's Valuation

•  Market Capitalization (Millions $) 314
•  Shares Outstanding (Millions) 16
•  Employees 404
•  Revenues (TTM) (Millions $) 102
•  Net Income (TTM) (Millions $) 22
•  Cash Flow (TTM) (Millions $) 133
•  Capital Exp. (TTM) (Millions $) -2
•  Total Debt (Millions $) 36
•  Dividend TTM ($) 1.01 $
•  Dividend Yield TTM (%) 4.94 %
•  Revenue/Employee (TTM) $ 252,225
•  Net Income/Employee(TTM) $ 54,567
•  Receivable Turnover Ratio (TTM) -
•  Tangible Book Value (Per Share $) 14.34

•  Market Capitalization (Millions $) 314
•  Shares Outstanding (Millions) 16
•  Employees 404
•  Revenues (TTM) (Millions $) 102
•  Net Income (TTM) (Millions $) 22
•  Cash Flow (TTM) (Millions $) 133
•  Capital Exp. (TTM) (Millions $) -2


    CZNC's Profitability Comparisons
Citizens And Northern achieved increase in profitability, due to cost control. Operating Margin grew in III. Quarter 2024 to 29.96 % from 27.98 % in II. Quarter.

Citizens And Northern net profit margin of 24.4 % is currently ranking no. 109 in Regional Banks industry, ranking no. 298 in Financial sector and number 518 in S&P 500.


Profitability by Segment
Total 24.4 %



  Ratio
•   Capital Ratio (MRQ) 0.02
•  Total Debt to Equity (MRQ) 0.13
•  Tangible Leverage Ratio (MRQ) 20.4
•  Asset Turnover Ratio (TTM) 0.62
•  Inventory Turnover Ratio (TTM) -



Citizens And Northern achieved increase in profitability, due to cost control. Operating Margin grew in III. Quarter 2024 to 29.96 % from 27.98 % in II. Quarter.

Citizens And Northern net profit margin of 24.4 % is currently ranking no. 109 in Regional Banks industry, ranking no. 298 in Financial sector and number 518 in S&P 500.

• More on CZNC's Key Ratios





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