CZNC Quote, Financials, Valuation and Earnings

First Interstate BancSystem, Inc. has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 34.76%. Citizens & Northern Corp.'s return on equity of 7.87% beat First Interstate BancSystem, Inc.'s return on equity of 8.89%.

Citizens & Northern Corp. has a consensus price target of $23.50, signalling downside risk potential of -1.43%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $38.00 which suggests that it could grow by 1.5%. Given that First Interstate BancSystem, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe First Interstate BancSystem, Inc. is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.553, which suggesting that the stock is 44.651% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.799, suggesting its less volatile than the S&P 500 by 20.053%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 4.7%. First Interstate BancSystem, Inc. offers a yield of 5.02% to investors and pays a quarterly dividend of $0.47 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 63.95% 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 First Interstate BancSystem, Inc. quarterly revenues of $313M. Citizens & Northern Corp.'s net income of $4.5M is lower than First Interstate BancSystem, Inc.'s net income of $108.8M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 16.16x while First Interstate BancSystem, Inc.'s PE ratio is 12.71x. 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 2.23x versus 2.89x for First Interstate BancSystem, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

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 $23.50, signalling downside risk potential of -1.43%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $14.75 which suggests that it could grow by 10.9%. 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 0.553, which suggesting that the stock is 44.651% 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 20.224%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 4.7%. Heritage Commerce Corp. offers a yield of 3.91% 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 16.16x while Heritage Commerce Corp.'s PE ratio is 17.15x. 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 2.23x versus 3.05x 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 $23.50, signalling downside risk potential of -1.43%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $35.14 which suggests that it could grow by 2.36%. 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 0.553, which suggesting that the stock is 44.651% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.683, suggesting its less volatile than the S&P 500 by 31.665%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 4.7%. Peoples Bancorp, Inc. (Ohio) offers a yield of 4.82% 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 16.16x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 11.37x. 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 2.23x versus 1.95x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

Provident Financial Services, Inc. has a net margin of 8.97% compared to Citizens & Northern Corp.'s net margin of 23.63%. Citizens & Northern Corp.'s return on equity of 7.87% beat Provident Financial Services, Inc.'s return on equity of 10.73%.

Citizens & Northern Corp. has a consensus price target of $23.50, signalling downside risk potential of -1.43%. On the other hand Provident Financial Services, Inc. has an analysts' consensus of $25.00 which suggests that it could grow by 8.32%. Given that Provident Financial Services, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe Provident Financial Services, Inc. is more attractive than Citizens & Northern Corp..

Citizens & Northern Corp. has a beta of 0.553, which suggesting that the stock is 44.651% less volatile than S&P 500. In comparison Provident Financial Services, Inc. has a beta of 0.865, suggesting its less volatile than the S&P 500 by 13.53%.

Citizens & Northern Corp. has a quarterly dividend of $0.28 per share corresponding to a yield of 4.7%. Provident Financial Services, Inc. offers a yield of 4.16% to investors and pays a quarterly dividend of $0.24 per share. Citizens & Northern Corp. pays 76.85% of its earnings as a dividend. Provident Financial Services, Inc. pays out 43.05% 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 Provident Financial Services, Inc. quarterly revenues of $353.2M. Citizens & Northern Corp.'s net income of $4.5M is lower than Provident Financial Services, Inc.'s net income of $83.4M. Notably, Citizens & Northern Corp.'s price-to-earnings ratio is 16.16x while Provident Financial Services, 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 2.23x versus 2.18x for Provident Financial Services, Inc.. Usually stocks with elevated PS ratios are considered overvalued.