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Citizens & Northern Corp CZNC

Morningstar Rating
$21.60 −0.35 (1.59%)
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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 272% premium.
Price
$21.55
Fair Value
$23.27
Uncertainty
Very High
1-Star Price
$81.92
5-Star Price
$15.46
Economic Moat
Wzwxv
Capital Allocation
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News

Trading Information

Previous Close Price
$21.95
Day Range
$21.5022.00
52-Week Range
$16.5023.50
Bid/Ask
$19.50 / $21.60
Market Cap
$332.12 Mil
Volume/Avg
26,328 / 28,313

Key Statistics

Price/Earnings (Normalized)
14.21
Price/Sales
3.20
Dividend Yield (Trailing)
5.19%
Dividend Yield (Forward)
5.19%
Total Yield
6.73%

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
404

Comparables

Valuation

Metric
CZNC
CNOB
MBCN
Price/Earnings (Normalized)
14.2113.1913.93
Price/Book Value
1.260.861.13
Price/Sales
3.203.683.42
Price/Cash Flow
9.779.0313.70
Price/Earnings
CZNC
CNOB
MBCN

Financial Strength

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

Profitability

Metric
CZNC
CNOB
MBCN
Return on Assets (Normalized)
0.98%0.84%0.96%
Return on Equity (Normalized)
9.59%7.59%8.58%
Return on Invested Capital (Normalized)
Return on Assets
CZNC
CNOB
MBCN
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Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
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Intesa Sanpaolo ADR
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PNC Financial Services Group Inc
PNC
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U.S. Bancorp
USB
YcpnhkqnpMwyg$70.9 Bil
Truist Financial Corp
TFC
TkbmhmqczBwbgy$59.4 Bil
Itau Unibanco Holding SA ADR
ITUB
WflfgjpdHnwgk$55.1 Bil
Mizuho Financial Group Inc ADR
MFG
NcyszlyClnp$53.7 Bil
Lloyds Banking Group PLC ADR
LYG
LqyzykxwWsvhg$48.6 Bil
NatWest Group PLC ADR
NWG
YyvjbckbXdsy$38.6 Bil
Deutsche Bank AG
DB
ZdcwyCbkfl$30.5 Bil

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