CZNC Quote, Financials, Valuation and Earnings

Heritage Commerce Corp. has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 21.56%. Citizens & Northern Corp.'s return on equity of 7.87% beat Heritage Commerce Corp.'s return on equity of 6.85%.

Citizens & Northern Corp. has a consensus price target of $22.75, signalling upside risk potential of 1.88%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $14.50 which suggests that it could grow by 14.17%. Given that Heritage Commerce Corp. has higher upside potential than Citizens & Northern Corp., analysts believe Heritage Commerce Corp. is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.555, which suggesting that the stock is 44.5% less volatile than S&P 500. In comparison Heritage Commerce Corp. has a beta of 0.798, suggesting its less volatile than the S&P 500 by 20.167%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 5.02%. Heritage Commerce Corp. offers a yield of 4.1% to investors and pays a quarterly dividend of $0.13 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. Heritage Commerce Corp. pays out 67.08% 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 Corp. quarterly revenues are $49.8M, which are smaller than Heritage Commerce Corp. quarterly revenues of $70.1M. Citizens & Northern Corp.'s net income of $4.5M is lower than Heritage Commerce Corp.'s net income of $15.1M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 15.14x while Heritage Commerce Corp.'s PE ratio is 16.37x. 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 Corp. is 2.09x versus 2.91x for Heritage Commerce Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Peoples Bancorp, Inc. (Ohio) has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 20.09%. Citizens & Northern Corp.'s return on equity of 7.87% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 9.13%.

Citizens & Northern Corp. has a consensus price target of $22.75, signalling upside risk potential of 1.88%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.33 which suggests that it could grow by 7.43%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Citizens & Northern Corp., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.555, which suggesting that the stock is 44.5% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.655, suggesting its less volatile than the S&P 500 by 34.477%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 5.02%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.1% to investors and pays a quarterly dividend of $0.41 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 54.52% 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 Corp. quarterly revenues are $49.8M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.8M. Citizens & Northern Corp.'s net income of $4.5M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $31.5M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 15.14x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.68x. 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 Corp. is 2.09x versus 1.83x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

Shore Bancshares, Inc. has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 17.89%. Citizens & Northern Corp.'s return on equity of 7.87% beat Shore Bancshares, Inc.'s return on equity of 10.53%.

Citizens & Northern Corp. has a consensus price target of $22.75, signalling upside risk potential of 1.88%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 3.08%. Given that Shore Bancshares, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe Shore Bancshares, Inc. is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.555, which suggesting that the stock is 44.5% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.936, suggesting its less volatile than the S&P 500 by 6.357%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 5.02%. Shore Bancshares, Inc. offers a yield of 2.6% to investors and pays a quarterly dividend of $0.12 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. Shore Bancshares, Inc. pays out 26.97% 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 Corp. quarterly revenues are $49.8M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $88.8M. Citizens & Northern Corp.'s net income of $4.5M is lower than Shore Bancshares, Inc.'s net income of $15.9M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 15.14x while Shore Bancshares, Inc.'s PE ratio is 10.35x. 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 Corp. is 2.09x versus 1.80x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

S&T Bancorp, Inc. has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 23.35%. Citizens & Northern Corp.'s return on equity of 7.87% beat S&T Bancorp, Inc.'s return on equity of 9.34%.

Citizens & Northern Corp. has a consensus price target of $22.75, signalling upside risk potential of 1.88%. On the other hand S&T Bancorp, Inc. has an analysts' consensus of $43.80 which suggests that it could grow by 4.04%. Given that S&T Bancorp, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe S&T Bancorp, Inc. is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.555, which suggesting that the stock is 44.5% less volatile than S&P 500. In comparison S&T Bancorp, Inc. has a beta of 0.926, suggesting its less volatile than the S&P 500 by 7.406%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 5.02%. S&T Bancorp, Inc. offers a yield of 3.28% to investors and pays a quarterly dividend of $0.36 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. S&T Bancorp, Inc. pays out 39.57% 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 Corp. quarterly revenues are $49.8M, which are smaller than S&T Bancorp, Inc. quarterly revenues of $145.4M. Citizens & Northern Corp.'s net income of $4.5M is lower than S&T Bancorp, Inc.'s net income of $34M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 15.14x while S&T Bancorp, Inc.'s PE ratio is 12.05x. 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 Corp. is 2.09x versus 2.85x for S&T Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.