Citizens & Northern Corporation
NASDAQ Capital MarketTotal Valuation
Citizens & Northern Corporation carries a market capitalization of 418.89M, placing it among publicly traded companies globally. Its enterprise value stands at 213.48M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 418.89M |
| Enterprise Value | 213.48M |
Share Statistics
Citizens & Northern Corporation currently has 17.91M shares outstanding.
| Shares Outstanding | 17.91M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Citizens & Northern Corporation trades at a trailing price-to-earnings ratio of 21.23. The price-to-sales ratio is 2.84, and the price-to-book ratio stands at 2.00.
| PE Ratio | 21.23 |
| PS Ratio | 2.84 |
| PB Ratio | 2.00 |
| P/TBV Ratio | 1.41 |
| P/FCF Ratio | 9.09 |
| P/OCF Ratio | 9.46 |
Enterprise Valuation
On an enterprise value basis, Citizens & Northern Corporation trades at an EV/EBITDA multiple of 85.50 and an EV/FCF ratio of 5.25.
| EV / Sales | 1.64 |
| EV / EBITDA | 85.50 |
| EV / EBIT | N/A |
| EV / FCF | 5.25 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 57.39 |
| Debt / EBITDA | 77.12 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 9.45 |
| Return on Assets (ROA) | 0.60 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Citizens & Northern Corporation has paid 3.87M in income taxes, reflecting an effective tax rate of 18.18.
| Income Tax | 3.87M |
| Effective Tax Rate | 18.18 |
Stock Price Statistics
Citizens & Northern Corporation's stock has gained approximately 18.80081% over the past 52 weeks. The 50-day moving average sits at 21.97, while the 200-day moving average is 21.52.
| Beta (5Y) | N/A |
| 52-Week Price Change | 18.80081% |
| 50-Day Moving Average | 21.97 |
| 200-Day Moving Average | 21.52 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Citizens & Northern Corporation generated 130.31M in revenue and converted that into 17.41M in net income, yielding earnings per share of 1.05.
| Revenue | 130.31M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 21.27M |
| Net Income | 17.41M |
| EBITDA | 2.50M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.05 |
Balance Sheet
Citizens & Northern Corporation holds 348.56M in cash and equivalents against 192.57M in total debt, resulting in a net debt position of 137.77M.
| Cash & Cash Equivalents | 348.56M |
| Total Debt | 192.57M |
| Net Debt | 137.77M |
| Equity (Book Value) | 184.78M |
| Book Value Per Share | 11.17 |
| Working Capital | N/A |
Cash Flow
Citizens & Northern Corporation produced 39.07M in operating cash flow over the past twelve months. After subtracting -1.55M in capital expenditures, free cash flow totaled 37.52M - equivalent to 2.27 per share.
| Operating Cash Flow | 39.07M |
| Capital Expenditures | -1.55M |
| Free Cash Flow | 37.52M |
| FCF Per Share | 2.27 |
Margins
Citizens & Northern Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 16.33 |
| Profit Margin | 13.36 |
| EBITDA Margin | 1.92 |
Dividends & Yields
The company's payout ratio of 97.41 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.03 |
| Dividend Yield | N/A |
| Payout Ratio | 97.41 |
| Shareholder Yield | 18.43 |
| FCF Yield | 11.00 |
Stock Splits
Citizens & Northern Corporation's most recent stock split took place on April 22, 2003 with a 2:3 split ratio.
| Last Split Date | 4/22/2003 |
| Split Ratio | 2:3 |
Scores
Citizens & Northern Corporation posts an Altman Z-Score of 0.20, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.20 |