Citizens & Northern Corporation (CZNC) Stock Analysis & Winston Score

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checkin

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+27.3% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-96.2% YoY

YoY Growth Rate

Earnings declining

Insider Activity

5.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$53M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Citizens & Northern Corporation grew revenue 27% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

47.2%

Healthy — 47.2% gross margin

Operating Margin

0.7%

Thin — 0.7% operating margin

ROCE

0.1%

Weak — 0.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.2%

Slow sales growth (5.2% YoY)

EPS YoY

-38.0%

Earnings shrinking (-38.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

224%

Turns 224% of profit into real cash

FCF Margin

22.0%

Converts sales into free cash efficiently (22.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.58

Conservative — low debt load (0.58)

Interest Cover

0.45x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

21.1x

no trend

Growth-priced — P/E 21.1

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+9.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (21.1 → 12.0)

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Dividends

Dividend Yield

4.74%

no trend

Healthy income — 4.74% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+0.0%

no trend

Dividend flat

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