Citizens & Northern (NASDAQ: CZNC) is one of 309 publicly-traded companies in the “Banks” industry, but how does it contrast to its peers? We will compare Citizens & Northern to similar companies based on the strength of its dividends, earnings, risk, valuation, profitability, analyst recommendations and institutional ownership.
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||18.55%||8.28%||0.93%|
Risk and Volatility
Citizens & Northern has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500. Comparatively, Citizens & Northern’s peers have a beta of 0.80, indicating that their average stock price is 20% less volatile than the S&P 500.
Insider & Institutional Ownership
29.1% of Citizens & Northern shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 4.3% of Citizens & Northern shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Citizens & Northern and its peers 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||391.75|
Citizens & Northern’s peers have higher revenue and earnings than Citizens & Northern.
This is a breakdown of current ratings and target prices for Citizens & Northern and its peers, 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||2420||8718||8670||370||2.35|
Citizens & Northern currently has a consensus price target of $26.00, indicating a potential upside of 4.88%. As a group, “Banks” companies have a potential downside of 9.14%. Given Citizens & Northern’s higher probable upside, analysts plainly believe Citizens & Northern is more favorable than its peers.
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 1.9% and pay out 35.0% of their earnings in the form of a dividend.
Citizens & Northern peers 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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