Citizens & Northern (CZNC) Fundamental Analysis: Revenue, Earnings & Valuation

3.00 / 10

Underperform

Fundamental rating is Underperform with a 3/10 score. Strengths lie in gross profit margin (41.8%) and solid current liability ratio, yet PB‑ROE and Asset‑MV are weak, dragging the defensive case. Overall fundamentals are deemed inadequate.

Analysis Checks(5/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.80%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.79%

1M Return3.70%

Profit-MV

Value1.02

Score0/3

Weight8.42%

1M Return4.03%

Net income-Revenue

Value-0.37

Score3/3

Weight16.94%

1M Return6.99%

PB-ROE

Value-0.97

Score1/3

Weight10.04%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.80%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.79%

1M Return3.70%

Cash-UP

Value-0.45

Score1/3

Weight7.58%

1M Return3.24%

Asset-MV

Value-0.55

Score1/3

Weight15.78%

1M Return6.12%

Cash-MV

Value-0.17

Score1/3

Weight10.06%

1M Return4.31%

Is CZNC fundamentally strong?

CZNC scores 3.00/10 on fundamentals and holds a Premium valuation at present. Backed by its 7.53% ROE, 19.09% net margin, 17.27 P/E ratio, 1.18 P/B ratio, and -13.61% earnings growth, these metrics solidify its Underperform investment rating.