Comparing Citizens & Northern (CZNC) & The Competition

Citizens & Northern (NASDAQ: CZNC) is one of 312 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Citizens & Northern to similar companies based on the strength of its institutional ownership, profitability, earnings, risk, analyst recommendations, valuation and dividends.

Valuation & Earnings

This table compares Citizens & Northern and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Citizens & Northern $60.77 million $15.76 million N/A
Citizens & Northern Competitors $5.59 billion $772.66 million 393.17

Citizens & Northern’s competitors have higher revenue and earnings than Citizens & Northern.

Dividends

Citizens & Northern pays an annual dividend of $1.08 per share and has a dividend yield of 4.7%. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 36.7% of their earnings in the form of a dividend.

Insider and Institutional Ownership

29.1% of Citizens & Northern shares are held by institutional investors. Comparatively, 51.7% of shares of all “Banks” companies are held by institutional investors. 4.3% of Citizens & Northern shares are held by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Citizens & Northern and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens & Northern 25.58% 8.33% 1.26%
Citizens & Northern Competitors 17.54% 8.48% 0.96%

Analyst Recommendations

This is a breakdown of current ratings for Citizens & Northern and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern 0 1 0 0 2.00
Citizens & Northern Competitors 2527 9180 9057 381 2.34

Citizens & Northern currently has a consensus target price of $26.00, indicating a potential upside of 13.79%. As a group, “Banks” companies have a potential downside of 1.26%. Given Citizens & Northern’s higher probable upside, research analysts clearly believe Citizens & Northern is more favorable than its competitors.

Volatility and Risk

Citizens & Northern has a beta of 0.4, meaning that its stock price is 60% less volatile than the S&P 500. Comparatively, Citizens & Northern’s competitors have a beta of 0.77, meaning that their average stock price is 23% less volatile than the S&P 500.

Summary

Citizens & Northern competitors beat Citizens & Northern on 9 of the 14 factors compared.

Citizens & Northern Company Profile

Citizens & Northern Corporation is a holding company. The Company’s principal activity is community banking. The Company, through its subsidiaries, is engaged in providing a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. It offers lending products, which include mortgage loans, commercial loans and consumer loans, as well as specialized instruments. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts (IRAs) and certificates of deposit. It provides trust and financial management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. Its subsidiaries include Citizens & Northern Bank (C&N Bank or the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company.

Receive News & Ratings for Citizens & Northern Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Citizens & Northern and related companies with MarketBeat.com's FREE daily email newsletter.

Leave a Reply