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Fundamental analysis: Citizens & Northern Corporation (CZNC)

Awarener score: 6.2

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 5.5

• Business has been growing at a good pace. It's been more than average in relation to peer companies.
• Citizens & Northern Corporation business shows some variation, there's some risk. It looks mediocre against rivals.

Margins score: 8.3

• CZNC profit margins -on goods and services sold- are usually meagre. They stand mediocre against rival companies.
• Business profit on sales tends to be very good. It's weak when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually excellent. They remain lacking compared to peers.
• Earnings -before income taxes and interests on loans taken- tend to be excellent in relation to total revenues. They're still somewhat worse than similar companies.
• Profits -before income taxes- are usually huge considering total sales, and remain almost average when measured against rivals.
• Total net profit tends to be huge when confronted to sales. Company stands almost average when measured against comparable firms.

Growth score: 4.9

• Citizens & Northern Corporation profit -on goods and services sold- has been growing at an extremely fast pace. It's been impressive in relation to competitors.
• In recent years, earnings -on operations- have been growing at a very good step, which has been somewhat worse than comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a very low pace, which compares almost average when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a very low tempo. It turns to be close to average when compared to similar stocks.
• In past years, growth on profits -before income taxes- was almost stagnant. It was mediocre against rivals.
• In the previous years, growth on total net profit has been almost null, and weak when measured against peer companies.
• Earnings per share have been shrinking in the past years. It's been in a very weak position compared to industry peers.

Miscellaneous score: 7.0

• CZNC had hardly to pay income taxes in relation to profits made in the past years. It's been better than most peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 6.8

• Citizens & Northern Corporation usually gets sufficient returns on the resources it controls. It proves similar to peer firms.
• The company normally gets very good proceeds -on the resources directly invested in the business-. They remain lacking compared to similar companies.
• Profitability -in relation to owned resources- is usually quite good. It ranks almost average when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's similar to comparable enterprises.

Usage of Funds score: 3.7

• CZNC on average doesn't generate genuine funds, so to buy or replace property, plants and equipment must either burn existing cash or increase debt. It stands similar to rival firms.
• The company is usually somewhat investing in new property, plant, and equipment, to improve its operating capabilities, which is encouraging in relation to industry peers.
• In the past twelve months it paid very good dividends, considering the current stock price. It came better than most competitors.
• In recent years, has cut back dividend payments. It could be traversing challenging times. The company has behaved in a very weak position compared to similar firms.
• The company generates very few genuine funds. Dividend payments are usually on borrowed money, which isn't sustainable in the long run. Unless business prospects improve greatly, future payments could be at risk. Sustainability looks bottom tier against comparable companies.
• The company usually enlarges quite a bit the pool of investors, resulting in more mouths feeding on the pie of profits. It remains in a weak position compared to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands a disappointment compared to rivals.
• We do not have sufficient data to comment on buybacks and their sustainability. It still looks dubious against competitors.

Balance Sheet score: 6.6

• Citizens & Northern Corporation intangible assets (like brands and goodwill) represent a modest portion of resources controlled, according to accounting books. There could be some difficulties in liquidating them if the company ever gets in financial distress. It happens to be weak when measured against peer companies.
• The company has a lot more short-term resources than short-term obligations. Liquidity concerns are most likely irrelevant. It turns to be lacking compared to similar firms.
• A very minor portion of resources controlled were provided for with financial debt. Financial strength is solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains worse than most rival firms.
• Most controlled resources might be only slowly turned into cash and equivalents, which is risky. It looks more than average in relation to rivals.
• For every dollar of short-term obligations, the company has a lot of dollars in cash and short-term receivables. It's lacking compared to peer firms.
• For every dollar of short-term obligations, the company has a lot of dollars in cash and equivalents, which is slightly worse than similar enterprises.
• Usually, sales are on a month credit. It still ranks similar to peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been low when measured against loans taken. Even cutting back reinvesting in the business, it could take more than seven years to repay the obligations with current profitability. It ranks below average when measured against comparable enterprises.
• Revenues are reasonable in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. The more property, plant, and equipment used, the more the company must reinvest to fight obsolescence, which usually means less available funds for the shareholders in the long run. It looks in good shape compared to similar firms.
• Resource exploitation is very low when yearly sales are considered, business volume must be greatly increased. This metric is normally tied to the industry where the firm belongs. It's still better than most peer companies.

Valuation score: 7.6

• Citizens & Northern Corporation looks extremely cheap in relation to profits and financial position. It happens to be encouraging in relation to competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains in a weak position compared to peers.
• In the past twelve months, the company generated extraordinary free funds in relation to the stock price, which stands somewhat better than similar companies.
• The company usually consumes plenty more funds than can genuinely generate. Business needs are meet by borrowing money or consuming preexistent cash, which can only keep up until a certain limit. Unless the company is driving outstanding business growth, genuine profitability may be brought into question. It's still below average when measured against industry firms.
• In the past twelve months, the company has slightly rewarded investors, considering both dividends and share on the pie of earnings. It came up a slight improvement compared to peer ventures.
• This company is sitting in a mountain of cash. It's very well poised to substantially increase stockholder payments, or to fund new business projects. It looks well ranked against similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation might be reasonable. It ranks weak when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a high relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks close to average when compared to rival firms.
• The relation between the stock price and accounting book value might be reasonable. It's important both to check this metric through time and to compare it with rival companies. The company remains mediocre against peer firms.
• In the past twelve months, the operating business earned huge money when compared to the current stock price and financial position. It happens to be encouraging in relation to industry peers.
• In an alternate metric of bang for the buck, the company has usually shown an extreme earnings power ability when measured against the current stock price and financial position. Further analysis is recommended, as the stock might currently be significantly undervalued. It's still a slight improvement compared to peer companies.

Total score: 6.3

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Awarener score: 6.2

Conclusion

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