Citizens & Northern (NASDAQ: CZNC) is one of 308 public companies in the “Banks” industry, but how does it compare to its competitors? We will compare Citizens & Northern to similar companies based on the strength of its earnings, valuation, dividends, risk, institutional ownership, analyst recommendations and profitability.
This is a breakdown of current recommendations for Citizens & Northern and its competitors, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Citizens & Northern||0||1||0||0||2.00|
|Citizens & Northern Competitors||2421||8787||8814||370||2.35|
Earnings & Valuation
This table compares Citizens & Northern and its competitors top-line revenue, earnings per share and valuation.
|Gross Revenue||Net Income||Price/Earnings Ratio|
|Citizens & Northern||$60.77 million||$15.76 million||N/A|
|Citizens & Northern Competitors||$5.55 billion||$833.70 million||406.63|
Citizens & Northern’s competitors have higher revenue and earnings than Citizens & Northern.
Citizens & Northern pays an annual dividend of $1.04 per share and has a dividend yield of 4.2%. As a group, “Banks” companies pay a dividend yield of 1.8% and pay out 34.8% of their earnings in the form of a dividend.
Volatility and Risk
Citizens & Northern has a beta of 0.46, suggesting that its share price is 54% less volatile than the S&P 500. Comparatively, Citizens & Northern’s competitors have a beta of 0.79, suggesting that their average share price is 21% less volatile than the S&P 500.
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||18.65%||8.31%||0.94%|
Institutional & Insider Ownership
29.1% of Citizens & Northern shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 4.3% of Citizens & Northern shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Citizens & Northern competitors beat Citizens & Northern on 8 of the 14 factors compared.
About Citizens & Northern
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.
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