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Citizens & Northern Corp CZNC

Morningstar Rating
$20.42 +0.31 (1.54%)
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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 within a range we consider fairly valued.
Price
$20.42
Fair Value
$41.94
Uncertainty
Very High
1-Star Price
$88.75
5-Star Price
$85.59
Economic Moat
Ydpw
Capital Allocation
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News

Trading Information

Previous Close Price
$20.11
Day Range
$19.7521.00
52-Week Range
$16.7124.55
Bid/Ask
$14.21 / $33.16
Market Cap
$311.91 Mil
Volume/Avg
28,109 / 19,903

Key Statistics

Price/Earnings (Normalized)
11.41
Price/Sales
2.94
Dividend Yield
5.48%
Dividend Yield (Forward)
5.48%
Total Yield
7.63%

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
412

Valuation

Metric
CZNC
Price/Earnings (Normalized)
11.41
Price/Book Value
1.30
Price/Sales
2.94
Price/Cash Flow
9.39
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)
1.17%
Return on Equity (Normalized)
11.59%
Return on Invested Capital (Normalized)
Return on Assets
CZNC

Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRQfznp$72.8 Bil
USB
U.S. BancorpBgcl$61.3 Bil
ITUB
Itau Unibanco Holding SA ADRMjxg$58.4 Bil
PNC
PNC Financial Services Group IncRlczmb$55.4 Bil
ISNPY
Intesa Sanpaolo ADRDkmb$53.4 Bil
TFC
Truist Financial CorpFrcpsr$44.4 Bil
MFG
Mizuho Financial Group Inc ADRKzjzq$43.5 Bil
LYG
Lloyds Banking Group PLC ADRDznnj$35.9 Bil
BBD
Bank Bradesco SA ADRLfqm$33.3 Bil
DB
Deutsche Bank AGYpr$25.4 Bil