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Citizens & Northern Corp (CZNC) Files 10-K for the Fiscal Year Ended on December 31, 2017

GuruFocus.com

- By insider

Citizens & Northern Corp (CZNC) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Citizens & Northern Corp is a Pennsylvania based community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. Citizens & Northern Corp has a market cap of $280.080 million; its shares were traded at around $22.93 with a P/E ratio of 20.82 and P/S ratio of 4.84. The dividend yield of Citizens & Northern Corp stocks is 4.58%.


For the last quarter Citizens & Northern Corp reported a revenue of $14.9 million, compared with the revenue of $14.29 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $58.4 million, an increase of 2.3% from last year. For the last five years Citizens & Northern Corp had an average revenue decline of 2.4% a year.

The reported diluted earnings per share was $1.1 for the year, a decline of 15.4% from the previous year. Over the last five years Citizens & Northern Corp had an average EPS decline of 8.4% a year. The Citizens & Northern Corp had a decent operating margin of 35.28%, compared with the operating margin of 36.99% a year before. The 10-year historical median operating margin of Citizens & Northern Corp is 40.05%. The profitability rank of the company is 4 (out of 10).

At the end of the fiscal year, Citizens & Northern Corp has the cash and cash equivalents of $40.2 million, compared with $32.1 million in the previous year. The company had no long term debt, compared with $38.5 million in the previous year. The interest coverage to the debt is 5.3. Citizens & Northern Corp has a financial strength rank of 5 (out of 10).

At the current stock price of $22.93, Citizens & Northern Corp is traded at 12.9% premium to its historical median P/S valuation band of $20.31. The P/S ratio of the stock is 4.84, while the historical median P/S ratio is 4.29. The stock lost 2.41% during the past 12 months.

Directors and Officers Recent Trades:

  • Director Leo F Lambert bought 96 shares of CZNC stock on 02/09/2018 at the average price of $22.84. The price of the stock has increased by 0.39% since.

  • Director Frank G Pellegrino bought 459 shares of CZNC stock on 02/02/2018 at the average price of $24.93. The price of the stock has decreased by 8.02% since.

For the complete 20-year historical financial data of CZNC, click here.

This article first appeared on GuruFocus.