CZNC Quote, Financials, Valuation and Earnings

Civista Bancshares has a net margin of 23.77% compared to Citizens & Northern's net margin of 21.84%. Citizens & Northern's return on equity of 8.45% beat Civista Bancshares's return on equity of 8.53%.

Citizens & Northern has a consensus price target of $21.00, signalling upside risk potential of 13.7%. On the other hand Civista Bancshares has an analysts' consensus of $23.83 which suggests that it could grow by 18.81%. Given that Civista Bancshares has higher upside potential than Citizens & Northern, analysts believe Civista Bancshares is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.483, which suggesting that the stock is 51.662% less volatile than S&P 500. In comparison Civista Bancshares has a beta of 0.819, suggesting its less volatile than the S&P 500 by 18.084%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 6.06%. Civista Bancshares offers a yield of 3.19% to investors and pays a quarterly dividend of $0.16 per share. Citizens & Northern pays 64.47% of its earnings as a dividend. Civista Bancshares pays out 22.34% 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 $26.8M, which are smaller than Civista Bancshares quarterly revenues of $38.3M. Citizens & Northern's net income of $6.4M is lower than Civista Bancshares's net income of $8.4M. Notably, Citizens & Northern's price-to-earnings ratio is 12.83x while Civista Bancshares's PE ratio is 9.98x. 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 2.71x versus 2.06x for Civista Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

Evans Bancorp has a net margin of 23.77% compared to Citizens & Northern's net margin of 16.32%. Citizens & Northern's return on equity of 8.45% beat Evans Bancorp's return on equity of 10.61%.

Citizens & Northern has a consensus price target of $21.00, signalling upside risk potential of 13.7%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 17.49%. Given that Evans Bancorp has higher upside potential than Citizens & Northern, analysts believe Evans Bancorp is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.483, which suggesting that the stock is 51.662% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 6.06%. Evans Bancorp offers a yield of 3.1% to investors and pays a quarterly dividend of $0.66 per share. Citizens & Northern pays 64.47% of its earnings as a dividend. Evans Bancorp pays out 29.45% 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 $26.8M, which are larger than Evans Bancorp quarterly revenues of $18M. Citizens & Northern's net income of $6.4M is higher than Evans Bancorp's net income of $2.9M. Notably, Citizens & Northern's price-to-earnings ratio is 12.83x while Evans Bancorp's PE ratio is 12.79x. 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 2.71x versus 2.81x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 23.77% compared to Citizens & Northern's net margin of 27.77%. Citizens & Northern's return on equity of 8.45% beat Park National's return on equity of 11.8%.

Citizens & Northern has a consensus price target of $21.00, signalling upside risk potential of 13.7%. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 5.04%. Given that Citizens & Northern has higher upside potential than Park National, analysts believe Citizens & Northern is more attractive than Park National.

Citizens & Northern has a beta of 0.483, which suggesting that the stock is 51.662% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 6.06%. Park National offers a yield of 2.46% to investors and pays a quarterly dividend of $1.56 per share. Citizens & Northern pays 64.47% of its earnings as a dividend. Park National pays out 54.41% 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 $26.8M, which are smaller than Park National quarterly revenues of $137.6M. Citizens & Northern's net income of $6.4M is lower than Park National's net income of $38.2M. Notably, Citizens & Northern's price-to-earnings ratio is 12.83x while Park National's PE ratio is 20.39x. 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 2.71x versus 5.63x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 23.77% compared to Citizens & Northern's net margin of 24.66%. Citizens & Northern's return on equity of 8.45% beat Tompkins Financial's return on equity of 9.88%.

Citizens & Northern has a consensus price target of $21.00, signalling upside risk potential of 13.7%. On the other hand Tompkins Financial has an analysts' consensus of $83.00 which suggests that it could grow by 24.78%. Given that Tompkins Financial has higher upside potential than Citizens & Northern, analysts believe Tompkins Financial is more attractive than Citizens & Northern.

Citizens & Northern has a beta of 0.483, which suggesting that the stock is 51.662% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.471%.

Citizens & Northern has a quarterly dividend of $0.28 per share corresponding to a yield of 6.06%. Tompkins Financial offers a yield of 3.67% to investors and pays a quarterly dividend of $0.62 per share. Citizens & Northern pays 64.47% of its earnings as a dividend. Tompkins Financial pays out 363.09% of its earnings as a dividend. Citizens & Northern's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Tompkins Financial's is not.

Citizens & Northern quarterly revenues are $26.8M, which are smaller than Tompkins Financial quarterly revenues of $75.6M. Citizens & Northern's net income of $6.4M is lower than Tompkins Financial's net income of $18.6M. Notably, Citizens & Northern's price-to-earnings ratio is 12.83x while Tompkins Financial's PE ratio is 14.37x. 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 2.71x versus 3.28x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.