Citizens & Northern Corporation (CZNC) is a Banks - Regional company in the Financial Services sector, currently trading at $23.42. It has a SharesGrow Score of 54/100, indicating a mixed investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CZNC = $46.44 (+98.3% from the current price, the stock appears undervalued). Analyst consensus target is CZNC = $24 (+0.3% upside).
Valuation: CZNC trades at a trailing Price-to-Earnings (P/E) of 17.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 2.21.
Financials: revenue is $154M, +10.4%/yr average growth. Net income is $23M, growing at -3.8%/yr. Net profit margin is 15.2% (healthy). Gross margin is 65.3% (-20.2 pp trend).
Balance sheet: total debt is $193M against $342M equity (Debt-to-Equity (D/E) ratio 0.56, moderate). Current ratio is 1.11 (adequate). Debt-to-assets is 6.2%. Total assets: $3.1B.
Analyst outlook: 0 / 1 analysts rate CZNC as buy (0%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 52/100 (Partial), Growth 48/100 (Partial), Past 100/100 (Pass), Health 33/100 (Fail), Moat 43/100 (Fail), Future 34/100 (Fail), Income 70/100 (Pass).
