Citizens & Northern Corp (CZNC): Price and Financial Metrics

CZNC POWR Grades

• Sentiment is the dimension where CZNC ranks best; there it ranks ahead of 91.31% of US stocks.
• The strongest trend for CZNC is in Stability, which has been heading down over the past 26 weeks.
• CZNC ranks lowest in Quality; there it ranks in the 23rd percentile.

CZNC Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.91 for CITIZENS & NORTHERN CORP; that's greater than it is for 89.9% of US stocks.
• With a year-over-year growth in debt of 93.35%, CITIZENS & NORTHERN CORP's debt growth rate surpasses 91.43% of about US stocks.
• CITIZENS & NORTHERN CORP's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -20.39%, greater than the shareholder yield of just 14.37% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to CITIZENS & NORTHERN CORP are UVSP, ACNB, BFIN, HBT, and HTLF.
• CZNC's SEC filings can be seen here. And to visit CITIZENS & NORTHERN CORP's official web site, go to www.cnbankpa.com.

CZNC Valuation Summary

• CZNC's price/sales ratio is 3.3; this is 22.22% higher than that of the median Financial Services stock.
• Over the past 243 months, CZNC's EV/EBIT ratio has gone down 9.5.

Below are key valuation metrics over time for CZNC.

CZNC Growth Metrics

Its year over year price growth rate is now at -4.61%.
• The year over year cash and equivalents growth rate now stands at -44.8%.
• Its 5 year cash and equivalents growth rate is now at 0.41%.

Over the past 33 months, CZNC's revenue has gone up $26,223,000.

The table below shows CZNC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	99.169	36.25	26.147
2022-06-30	100.724	33.45	29.091
2022-03-31	98.817	34.779	28.662
2021-12-31	100.159	34.844	30.554
2021-09-30	101	35.319	30.016
2021-06-30	101.025	34.438	25.465

CZNC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CZNC has a Quality Grade of C, ranking ahead of 45.25% of graded US stocks.
• CZNC's asset turnover comes in at 0.044 -- ranking 116th of 430 Banking stocks.
• NICK, FMAO, and MCB are the stocks whose asset turnover ratios are most correlated with CZNC.

The table below shows CZNC's key quality metrics over time.