Skip to Content

Citizens & Northern Corp CZNC

Morningstar Rating
$17.89 +0.24 (1.36%)
View Full Chart
Unlock our analysis with Morningstar Investor

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 21% discount.
Price
$17.84
Fair Value
$54.65
Uncertainty
Very High
1-Star Price
$58.89
5-Star Price
$93.46
Economic Moat
Bwvsh
Capital Allocation
Is it the right time to buy, sell, or hold?
Start a free trial of Morningstar Investor to unlock exclusive ratings and continuous analyst coverage to help you decide if CZNC is a good fit for your portfolio.

Trading Information

Previous Close Price
$17.65
Day Range
$17.6118.05
52-Week Range
$16.7123.50
Bid/Ask
$17.67 / $22.95
Market Cap
$275.11 Mil
Volume/Avg
34,115 / 24,390

Key Statistics

Price/Earnings (Normalized)
11.24
Price/Sales
2.61
Dividend Yield (Trailing)
4.74%
Dividend Yield (Forward)
6.32%
Total Yield
7.17%

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
MBCN
CNOB
Price/Earnings (Normalized)
11.249.978.92
Price/Book Value
1.030.860.64
Price/Sales
2.612.462.72
Price/Cash Flow
8.038.366.38
Price/Earnings
CZNC
MBCN
CNOB

Financial Strength

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

Profitability

Metric
CZNC
MBCN
CNOB
Return on Assets (Normalized)
1.02%1.03%0.93%
Return on Equity (Normalized)
10.08%9.13%8.36%
Return on Invested Capital (Normalized)
Return on Assets
CZNC
MBCN
CNOB
See how this stock stacks up to its competitors with Morningstar Investor

Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRGjwvjntfRjlql$82.2 Bil
ISNPY
Intesa Sanpaolo ADRRtbslwcwqgTpxjy$68.4 Bil
USB
U.S. BancorpPjmvdgydfCpfnr$63.9 Bil
PNC
PNC Financial Services Group IncDrlctvcHjfvgw$62.2 Bil
ITUB
Itau Unibanco Holding SA ADRXvgygwbjSwjdf$56.4 Bil
TFC
Truist Financial CorpDtpnndzkWgncng$50.8 Bil
MFG
Mizuho Financial Group Inc ADRQpcsmxqwDnrc$48.9 Bil
LYG
Lloyds Banking Group PLC ADRKpfncctmPyfpwld$40.8 Bil
DB
Deutsche Bank AGFxjpMwnjj$35.5 Bil
NWG
NatWest Group PLC ADRMkvwWsny$31.5 Bil

Sponsor Center