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5-day change | 1st Jan Change | ||
17.16 USD | -4.08% | -4.56% | -23.50% |
25/04 | Transcript : Citizens & Northern Corporation - Shareholder/Analyst Call | |
25/04 | Citizens & Northern Corporation Reports Earnings Results for the First Quarter Ended March 31, 2024 | CI |
Valuation
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Capitalization 1 | 387.1 | 315.3 | 411.4 | 354.3 | 342.6 | 263.9 | - |
Enterprise Value (EV) 1 | 387.1 | 315.3 | 411.4 | 354.3 | 342.6 | 263.9 | 263.9 |
P/E ratio | 19.3 x | 15.3 x | 13.6 x | 13.4 x | 14.3 x | 10.8 x | 9.75 x |
Yield | - | 5.44% | 4.25% | 4.9% | 4.99% | 6.53% | 6.53% |
Capitalization / Revenue | - | 3.39 x | 3.96 x | 3.26 x | 3.18 x | 2.42 x | 2.3 x |
EV / Revenue | - | 3.39 x | 3.96 x | 3.26 x | 3.18 x | 2.42 x | 2.3 x |
EV / EBITDA | - | - | - | - | - | - | - |
EV / FCF | - | - | - | - | - | - | - |
FCF Yield | - | - | - | - | - | - | - |
Price to Book | - | 1.07 x | 1.37 x | 1.42 x | 1.31 x | 0.98 x | 0.95 x |
Nbr of stocks (in thousands) | 13,703 | 15,890 | 15,751 | 15,500 | 15,275 | 15,378 | - |
Reference price 2 | 28.25 | 19.84 | 26.12 | 22.86 | 22.43 | 17.16 | 17.16 |
Announcement Date | 16/01/20 | 21/01/21 | 20/01/22 | 26/01/23 | 18/01/24 | - | - |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net sales 1 | - | 92.89 | 103.8 | 108.8 | 107.9 | 109 | 114.5 |
EBITDA | - | - | - | - | - | - | - |
EBIT 1 | - | 37.28 | 41.32 | 40.81 | 33.7 | 33.79 | 37 |
Operating Margin | - | 40.13% | 39.81% | 37.52% | 31.25% | 31% | 32.31% |
Earnings before Tax (EBT) 1 | - | 23.21 | 37.69 | 32.35 | 30.48 | 30.35 | 34.04 |
Net income 1 | 19.5 | 19.11 | 30.31 | 26.38 | 23.96 | 23.84 | 26.78 |
Net margin | - | 20.57% | 29.2% | 24.25% | 22.22% | 21.87% | 23.39% |
EPS 2 | 1.460 | 1.300 | 1.920 | 1.710 | 1.570 | 1.585 | 1.760 |
Free Cash Flow | - | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - | - |
Dividend per Share 2 | - | 1.080 | 1.110 | 1.120 | 1.120 | 1.120 | 1.120 |
Announcement Date | 16/01/20 | 21/01/21 | 20/01/22 | 26/01/23 | 18/01/24 | - | - |
Income Statement Evolution (Quarterly data)
Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net sales 1 | 25.82 | 26.13 | 26.15 | - | 28.7 | 26.39 | 27 | 26.15 | 28.51 | 26.68 | 26.91 | 27.72 | 27.68 | 27.88 |
EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBIT 1 | 10.47 | 10.11 | 9.267 | - | 12.12 | 7.303 | 8.275 | 8.212 | 10.11 | 7.327 | 8.371 | 9.181 | 8.913 | 7.813 |
Operating Margin | 40.56% | 38.7% | 35.43% | - | 42.22% | 27.67% | 30.65% | 31.4% | 35.47% | 27.46% | 31.11% | 33.12% | 32.2% | 28.02% |
Earnings before Tax (EBT) 1 | 8.965 | 8.985 | 8.378 | - | 9.552 | 7.662 | 7.462 | 9.437 | 5.922 | 6.632 | 7.067 | 8.368 | 8.498 | 7.322 |
Net income 1 | 7.336 | 7.256 | 6.835 | 4.455 | 7.711 | 6.201 | 5.996 | 7.534 | 4.231 | 5.209 | 5.522 | 6.588 | 6.672 | 5.778 |
Net margin | 28.41% | 27.77% | 26.13% | - | 26.86% | 23.5% | 22.21% | 28.81% | 14.84% | 19.53% | 20.52% | 23.76% | 24.11% | 20.72% |
EPS 2 | 0.4700 | 0.4600 | 0.4400 | 0.2900 | 0.5000 | 0.4000 | 0.3900 | 0.5000 | 0.2800 | 0.3400 | 0.3650 | 0.4350 | 0.4400 | 0.3800 |
Dividend per Share 2 | 0.2800 | 0.2800 | 0.2800 | - | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 | 0.2800 |
Announcement Date | 21/10/21 | 20/01/22 | 21/04/22 | 20/10/22 | 26/01/23 | 20/04/23 | 20/07/23 | 19/10/23 | 18/01/24 | - | - | - | - | - |
Balance Sheet Analysis
Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|---|
Net Debt | - | - | - | - | - | - | - |
Net Cash position | - | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | - | 9.74% | 10.1% | 10% | 9.72% | 8.99% | 9.78% |
ROA (Net income/ Total Assets) | - | 1.36% | 1.32% | 1.12% | 0.98% | 0.97% | 1.02% |
Assets 1 | - | 1,403 | 2,296 | 2,355 | 2,445 | 2,470 | 2,639 |
Book Value Per Share 2 | - | 18.50 | 19.10 | 16.10 | 17.20 | 17.50 | 18.10 |
Cash Flow per Share | - | - | - | - | - | - | - |
Capex | - | - | - | - | - | - | - |
Capex / Sales | - | - | - | - | - | - | - |
Announcement Date | 16/01/20 | 21/01/21 | 20/01/22 | 26/01/23 | 18/01/24 | - | - |
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
EPS Revisions
1st Jan change | Capi. | |
---|---|---|
-23.50% | 264M | |
+13.63% | 555B | |
+11.52% | 295B | |
+10.73% | 247B | |
+21.50% | 209B | |
+19.13% | 172B | |
+9.89% | 165B | |
+5.13% | 156B | |
+0.01% | 139B | |
-10.42% | 139B |
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- Financials Citizens & Northern Corporation