Citizens & Northern (CZNC) versus The Competition Critical Survey

Citizens & Northern (NASDAQ: CZNC) is one of 308 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare Citizens & Northern to similar businesses based on the strength of its institutional ownership, profitability, risk, earnings, analyst recommendations, valuation and dividends.

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 company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk & Volatility

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 peers have a beta of 0.78, suggesting that their average share price is 22% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for Citizens & Northern and its peers, as provided by

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern 0 1 0 0 2.00
Citizens & Northern Competitors 2387 8759 8723 364 2.35

Citizens & Northern presently has a consensus price target of $26.00, suggesting a potential upside of 5.95%. As a group, “Banks” companies have a potential downside of 11.68%. Given Citizens & Northern’s higher possible upside, analysts plainly believe Citizens & Northern is more favorable than its peers.


This table compares Citizens & Northern and its peers’ 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 18.71% 8.15% 0.92%


Citizens & Northern pays an annual dividend of $1.04 per share and has a dividend yield of 4.2%. Citizens & Northern pays out 80.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Banks” companies pay a dividend yield of 1.8% and pay out 35.0% of their earnings in the form of a dividend.

Valuation & Earnings

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

Gross Revenue Net Income Price/Earnings Ratio
Citizens & Northern $60.77 million $15.76 million 19.02
Citizens & Northern Competitors $5.50 billion $827.87 million 384.02

Citizens & Northern’s peers have higher revenue and earnings than Citizens & Northern. Citizens & Northern is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.


Citizens & Northern peers beat Citizens & Northern on 10 of the 15 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's FREE daily email newsletter.

Leave a Reply