Citizens & Northern Corp CZNC

Morningstar Rating
$21.57 −0.30 (1.37%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

CZNC is trading at a 586% premium.
Price
$21.57
Fair Value
$38.14
Uncertainty
Hlrlz
1-Star Price
$31.29
5-Star Price
$33.42
Economic Moat
Ssff
Capital Allocation

Trading Information

Previous Close Price
$21.87
Day Range
$21.3721.96
52-Week Range
$18.1624.12
Bid/Ask
$21.51 / $21.78
Shares Outstanding
17.92M
Market Cap
$386.46M
Volume/Avg
64,596 / 42,867

Key Statistics

Price/Earnings (Normalized)
14.48
Price/Sales
2.80
Dividend Yield (Trailing)
5.11%
Dividend Yield (Forward)
5.11%
Total Yield
5.13%

Company Profile

Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
460

Valuation

Metric
CZNC
Price/Earnings (Normalized)
14.48
Price/Book Value
1.18
Price/Sales
2.80
Price/Cash Flow
8.98
Price/Earnings
CZNC

Financial Strength

Metric
CZNC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
CZNC
Return on Assets (Normalized)
0.88%
Return on Equity (Normalized)
8.10%
Return on Invested Capital (Normalized)
Return on Assets
CZNC

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