CITIZENS & NORTHERN CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 17.89 USD | +1.36% |
|
+0.90% | -20.24% |
| Apr. 25 | Transcript : Citizens & Northern Corporation - Shareholder/Analyst Call | |
| Apr. 25 | Citizens & Northern Corporation Reports Earnings Results for the First Quarter Ended March 31, 2024 | CI |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 387.1 | 315.3 | 411.4 | 354.3 | 342.6 | 275.1 | - |
| Enterprise Value (EV) 1 | 387.1 | 315.3 | 411.4 | 354.3 | 342.6 | 275.1 | 275.1 |
| P/E ratio | 19.3 x | 15.3 x | 13.6 x | 13.4 x | 14.3 x | 11 x | 9.99 x |
| Yield | - | 5.44% | 4.25% | 4.9% | 4.99% | 6.26% | 6.26% |
| Capitalization / Revenue | - | 3.39 x | 3.96 x | 3.26 x | 3.18 x | 2.52 x | 2.4 x |
| EV / Revenue | - | 3.39 x | 3.96 x | 3.26 x | 3.18 x | 2.52 x | 2.4 x |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | - | 1.07 x | 1.37 x | 1.42 x | 1.31 x | 1.01 x | 0.98 x |
| Nbr of stocks (in thousands) | 13,703 | 15,890 | 15,751 | 15,500 | 15,275 | 15,378 | - |
| Reference price 2 | 28.25 | 19.84 | 26.12 | 22.86 | 22.43 | 17.89 | 17.89 |
| Announcement Date | 1/16/20 | 1/21/21 | 1/20/22 | 1/26/23 | 1/18/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | - | 92.89 | 103.8 | 108.8 | 107.9 | 109 | 114.5 |
| EBITDA | - | - | - | - | - | - | - |
| EBIT 1 | - | 37.28 | 41.32 | 40.81 | 33.7 | 33.79 | 38.32 |
| Operating Margin | - | 40.13% | 39.81% | 37.52% | 31.25% | 31% | 33.47% |
| Earnings before Tax (EBT) 1 | - | 23.21 | 37.69 | 32.35 | 30.48 | 31.4 | 34.49 |
| Net income 1 | 19.5 | 19.11 | 30.31 | 26.38 | 23.96 | 24.69 | 27.18 |
| Net margin | - | 20.57% | 29.2% | 24.25% | 22.22% | 22.65% | 23.74% |
| EPS 2 | 1.460 | 1.300 | 1.920 | 1.710 | 1.570 | 1.630 | 1.790 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | 1.080 | 1.110 | 1.120 | 1.120 | 1.120 | 1.120 |
| Announcement Date | 1/16/20 | 1/21/21 | 1/20/22 | 1/26/23 | 1/18/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 25.82 | 26.13 | 26.15 | - | 28.7 | 26.39 | 27 | 26.15 | 28.51 | 26.68 | 26.91 | 27.72 | 27.68 | 27.88 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 10.47 | 10.11 | 9.267 | - | 12.12 | 7.303 | 8.275 | 8.212 | 10.11 | 7.327 | 8.371 | 9.181 | 8.913 | 7.813 |
| Operating Margin | 40.56% | 38.7% | 35.43% | - | 42.22% | 27.67% | 30.65% | 31.4% | 35.47% | 27.46% | 31.11% | 33.12% | 32.2% | 28.02% |
| Earnings before Tax (EBT) 1 | 8.965 | 8.985 | 8.378 | - | 9.552 | 7.662 | 7.462 | 9.437 | 5.922 | 6.616 | 7.617 | 8.518 | 8.648 | 7.472 |
| Net income 1 | 7.336 | 7.256 | 6.835 | 4.455 | 7.711 | 6.201 | 5.996 | 7.534 | 4.231 | 5.204 | 5.972 | 6.688 | 6.822 | 5.878 |
| Net margin | 28.41% | 27.77% | 26.13% | - | 26.86% | 23.5% | 22.21% | 28.81% | 14.84% | 19.51% | 22.19% | 24.12% | 24.65% | 21.08% |
| EPS 2 | 0.4700 | 0.4600 | 0.4400 | 0.2900 | 0.5000 | 0.4000 | 0.3900 | 0.5000 | 0.2800 | 0.3400 | 0.3950 | 0.4450 | 0.4500 | 0.3900 |
| Dividend per Share 2 | 0.2800 | 0.2800 | 0.2800 | - | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 |
| Announcement Date | 10/21/21 | 1/20/22 | 4/21/22 | 10/20/22 | 1/26/23 | 4/20/23 | 7/20/23 | 10/19/23 | 1/18/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | - | 9.74% | 10.1% | 10% | 9.72% | 9.29% | 9.86% |
| ROA (Net income/ Total Assets) | - | 1.36% | 1.32% | 1.12% | 0.98% | 1% | 1.03% |
| Assets 1 | - | 1,403 | 2,296 | 2,355 | 2,445 | 2,469 | 2,639 |
| Book Value Per Share 2 | - | 18.50 | 19.10 | 16.10 | 17.20 | 17.70 | 18.30 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 1/16/20 | 1/21/21 | 1/20/22 | 1/26/23 | 1/18/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
C-
Sell
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
17.89
USD
Average target price
20.5
USD
Spread / Average Target
+14.59%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -20.24% | 275M | |
| +13.75% | 556B | |
| +12.36% | 298B | |
| +8.64% | 247B | |
| +21.72% | 210B | |
| +16.11% | 170B | |
| +6.88% | 162B | |
| +4.42% | 153B | |
| +0.10% | 139B | |
| -11.67% | 138B |
- Stock Market
- Equities
- CZNC Stock
- Financials Citizens & Northern Corporation
