SuperworthCitizens & Northern CZNC
- Market cap
- $497.7M
- PE
- n/m
- one or more of the four quarters through 2026-06-30 missing
- Forward PE
- n/m
- not a meaningful number
- Revenue, 12 months
- $142.5M
- +28% on a year ago
- Net margin
- 17.8%
Revenue was $142.5M over the last twelve months, up 28% on a year earlier with a 18% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $26.2M−2% | $25.3M−11% | $25.7M−3% | $27.3M+1% | $27.3M+4% | $28M+11% | $27M+5% | $29.3M+7% | $29.6M+8% | $36.9M+32% | $36.6M+36% | $39.4M+35% | |
| Interest expense | $9.5M+234% | $10.6M+199% | $11.3M+111% | $11.9M+55% | $12.9M+37% | $12.9M+21% | $11.7M+4% | $11.3M−5% | $11.4M−12% | $12.9M+1% | $12.1M+3% | $11.9M+6% |
| Pre-tax income | $9.4M+78% | $5.9M−38% | $6.5M−16% | $7.5M+0% | $7.8M−17% | $10.1M+71% | $7.7M+19% | $7.5M+1% | $8M+3% | $5.4M−47% | $335K−96% | $17.4M+131% |
| $1.8M+115% | $1.7M−6% | $1.2M−18% | $1.4M−4% | $1.4M−22% | $1.9M+17% | $1.4M+23% | $1.4M+4% | $1.5M+1% | $926K−52% | $62K−96% | $3.4M+138% | |
| Net income | $7.6M+70% | $4.3M−45% | $5.3M−15% | $6.1M+1% | $6.4M−16% | $8.2M+92% | $6.3M+19% | $6.1M+0% | $6.6M+3% | $4.5M−45% | $273K−96% | $14.1M+130% |
| $0.50+72% | $0.28−44% | $0.35−13% | $0.40+3% | $0.41−18% | $0.53+89% | $0.41+17% | $0.40+0% | $0.42+2% | n/a | $0.02−95% | $0.79+98% | |
| 15.2M−1% | 15.2M−1% | 15.2M−1% | 15.3M+0% | 15.3M+1% | 15.3M+1% | 15.3M+1% | 15.4M+1% | 15.4M+1% | n/a | 17.7M+16% | 17.8M+16% |
EPS, diluted: 8 periods, Q4 FY11 to Q2 FY26: quarter's net income to common over its shares, to the cent.
Diluted shares: 14 periods, Q4 FY11 to Q4 FY24: share-days: the 12-month average less the 9-month, weighted by days. Q2 FY26: share-days: the 6-month average less the 3-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Banks - Regional nearest Citizens & Northern's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| CZNCCitizens & Northern | $497.7M | n/m | 14.1× | n/m | +28% | 17.8% | |
| PDLBPonce Financial | $498.8M | 14.7× | 21.9× | n/m | +28% | 28.1% | |
| FMAOFarmers & Merchants Bancorp | $503.3M | 12.6× | 14.0× | n/m | +19% | 30.7% | |
| HBCPHome Bancorp | $483.6M | 10.3× | 10.6× | n/m | +8% | 30.4% | |
| COFSChoiceone Financial Services | $512.4M | 9.4× | 11.5× | n/m | +39% | 31.9% | |
| OBTOrange County Bancorp | $513.7M | 10.8× | 9.8× | n/m | +10% | 37.4% | |
| WTBAWest Bancorporation | $518.8M | 13.6× | 12.5× | n/m | +17% | 37.1% | |
| NRIMNorthrim Bancorp | $530.8M | 7.8× | 10.7× | n/m | +24% | 30.9% | |
| NPBNorthpointe Bancshares | $533.9M | 6.7× | 8.5× | n/m | +22% | 34.9% | |
| BWFGBankwell Financial | $535.7M | 12.6× | 12.9× | n/m | +32% | 35.2% | |
| BSRRSierra Bancorp | $541.1M | 12.2× | 10.9× | n/m | +3% | 28.7% | |
| Peer median | $516.2M | 11.5× | 11.2× | n/a | +21% | 31.4% |
More on Citizens & Northern
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About
- Industry
- Banks - Regional
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .