CZNC Quote, Financials, Valuation and Earnings

First Bank has a net margin of 29.54% compared to Citizens & Northern's net margin of 31.08%. Citizens & Northern's return on equity of 9.69% beat First Bank's return on equity of 10.79%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 6.59%. On the other hand First Bank has an analysts' consensus of $17.67 which suggests that it could grow by 20.43%. Given that First Bank has higher upside potential than Citizens & Northern, analysts believe First Bank is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.442, which suggesting that the stock is 55.818% less volatile than S&P 500. In comparison First Bank has a beta of 0.944, suggesting its less volatile than the S&P 500 by 5.582%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.55%. First Bank offers a yield of 1.64% to investors and pays a quarterly dividend of $0.06 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. First Bank pays out 14.27% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $27.7M, which are smaller than First Bank quarterly revenues of $33.8M. Citizens & Northern's net income of $8.2M is lower than First Bank's net income of $10.5M. Notably, Citizens & Northern's price-to-earnings ratio is 11.93x while First Bank's PE ratio is 8.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.89x versus 2.86x for First Bank. Usually stocks with elevated PS ratios are considered overvalued.

Shore Bancshares has a net margin of 29.54% compared to Citizens & Northern's net margin of 25.13%. Citizens & Northern's return on equity of 9.69% beat Shore Bancshares's return on equity of 8.37%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 6.59%. On the other hand Shore Bancshares has an analysts' consensus of $18.33 which suggests that it could grow by 35.4%. Given that Shore Bancshares has higher upside potential than Citizens & Northern, analysts believe Shore Bancshares is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.442, which suggesting that the stock is 55.818% less volatile than S&P 500. In comparison Shore Bancshares has a beta of 1.007, suggesting its more volatile than the S&P 500 by 0.65500000000001%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.55%. Shore Bancshares offers a yield of 3.55% to investors and pays a quarterly dividend of $0.12 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. Shore Bancshares pays out 36.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $27.7M, which are smaller than Shore Bancshares quarterly revenues of $52.9M. Citizens & Northern's net income of $8.2M is lower than Shore Bancshares's net income of $13.3M. Notably, Citizens & Northern's price-to-earnings ratio is 11.93x while Shore Bancshares's PE ratio is 10.18x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.89x versus 2.23x for Shore Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

1st Source has a net margin of 29.54% compared to Citizens & Northern's net margin of 32.13%. Citizens & Northern's return on equity of 9.69% beat 1st Source's return on equity of 11.8%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 6.59%. On the other hand 1st Source has an analysts' consensus of $69.50 which suggests that it could grow by 15.35%. Given that 1st Source has higher upside potential than Citizens & Northern, analysts believe 1st Source is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.442, which suggesting that the stock is 55.818% less volatile than S&P 500. In comparison 1st Source has a beta of 0.784, suggesting its less volatile than the S&P 500 by 21.624%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.55%. 1st Source offers a yield of 2.36% to investors and pays a quarterly dividend of $0.36 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. 1st Source pays out 26.69% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $27.7M, which are smaller than 1st Source quarterly revenues of $97.8M. Citizens & Northern's net income of $8.2M is lower than 1st Source's net income of $31.4M. Notably, Citizens & Northern's price-to-earnings ratio is 11.93x while 1st Source's PE ratio is 11.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.89x versus 3.81x for 1st Source. Usually stocks with elevated PS ratios are considered overvalued.

Southern States Bancshares has a net margin of 29.54% compared to Citizens & Northern's net margin of 39.94%. Citizens & Northern's return on equity of 9.69% beat Southern States Bancshares's return on equity of 14.29%.

Citizens & Northern has a consensus price target of $21.50, signalling upside risk potential of 6.59%. On the other hand Southern States Bancshares has an analysts' consensus of $41.00 which suggests that it could grow by 26.19%. Given that Southern States Bancshares has higher upside potential than Citizens & Northern, analysts believe Southern States Bancshares is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.442, which suggesting that the stock is 55.818% less volatile than S&P 500. In comparison Southern States Bancshares has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 5.55%. Southern States Bancshares offers a yield of 1.11% to investors and pays a quarterly dividend of $0.09 per share. Citizens & Northern pays 59.83% of its earnings as a dividend. Southern States Bancshares pays out 9.51% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Citizens & Northern quarterly revenues are $27.7M, which are smaller than Southern States Bancshares quarterly revenues of $28M. Citizens & Northern's net income of $8.2M is lower than Southern States Bancshares's net income of $11.2M. Notably, Citizens & Northern's price-to-earnings ratio is 11.93x while Southern States Bancshares's PE ratio is 8.85x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Citizens & Northern is 2.89x versus 3.11x for Southern States Bancshares. Usually stocks with elevated PS ratios are considered overvalued.