Quick10K

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Citizens & Northern

Filings

10-Q	2020-06-30	Filed 2020-08-06
10-Q	2020-03-31	Filed 2020-05-07
10-K	2019-12-31	Filed 2020-02-20
10-Q	2019-09-30	Filed 2019-11-12
10-Q	2019-06-30	Filed 2019-08-06
10-Q	2019-03-31	Filed 2019-05-07
10-K	2018-12-31	Filed 2019-02-21
10-Q	2018-09-30	Filed 2018-11-01
10-Q	2018-06-30	Filed 2018-08-06
10-Q	2018-03-31	Filed 2018-05-03
10-K	2017-12-31	Filed 2018-02-15
10-Q	2017-09-30	Filed 2017-11-02
10-Q	2017-06-30	Filed 2017-08-03
10-Q	2017-03-31	Filed 2017-05-04
10-K	2016-12-31	Filed 2017-02-16
10-Q	2016-09-30	Filed 2016-11-03
10-Q	2016-06-30	Filed 2016-08-04
10-Q	2016-03-31	Filed 2016-05-05
10-K	2015-12-31	Filed 2016-02-18
10-Q	2015-09-30	Filed 2015-11-05
10-Q	2015-06-30	Filed 2015-08-07
10-Q	2015-03-31	Filed 2015-05-08
10-K	2014-12-31	Filed 2015-02-26
10-Q	2014-09-30	Filed 2014-11-07
10-Q	2014-06-30	Filed 2014-08-08
10-Q	2014-03-31	Filed 2014-05-09
10-K	2013-12-31	Filed 2014-02-20
10-Q	2013-09-30	Filed 2013-11-07
10-Q	2013-06-30	Filed 2013-08-08
10-Q	2013-03-31	Filed 2013-05-09
10-K	2012-12-31	Filed 2013-02-21
10-Q	2012-09-30	Filed 2012-11-07
10-Q	2012-06-30	Filed 2012-08-07
10-Q	2012-03-31	Filed 2012-05-08
10-K	2011-12-31	Filed 2012-02-24
10-Q	2011-09-30	Filed 2011-11-07
10-Q	2011-06-30	Filed 2011-08-08
10-Q	2011-03-31	Filed 2011-05-06
10-K	2010-12-31	Filed 2011-03-01
10-Q	2010-09-30	Filed 2010-11-08
10-Q	2010-06-30	Filed 2010-08-06
10-Q	2010-03-31	Filed 2010-05-07
10-K	2009-12-31	Filed 2010-03-01

Reports

8-K	2020-07-16	Earnings, Exhibits
8-K	2020-07-01	M&A, Officers, Exhibits
8-K	2020-05-07
8-K	2020-04-16
8-K	2020-04-16
8-K	2020-04-02
8-K	2020-02-20
8-K	2020-01-16
8-K	2019-12-18
8-K	2019-10-17
8-K	2019-08-07
8-K	2019-07-18
8-K	2019-07-18
8-K	2019-06-12
8-K	2019-04-18
8-K	2019-04-18
8-K	2019-04-18
8-K	2019-04-01
8-K	2019-03-01
8-K	2019-01-17
8-K	2018-12-20
8-K	2018-10-18
8-K	2018-09-27
8-K	2018-08-24
8-K	2018-08-08
8-K	2018-07-19
8-K	2018-06-11
8-K	2018-04-19
8-K	2018-04-19
8-K	2018-04-19
8-K	2018-01-18

Citizens & Northern Financials

CZNC Metrics, Comps, Filings

Quarterly | Annual

Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Equity

Income Statement ($BB Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($BB Quarterly)

Ops, Inv, Fin


Comps ($MM TTM)	Market Cap	Gross Margin	EV/EBITDA	Ret on Assets	Assets	Liabilities	Revenue	G Profit	Net Income	EBITDA	EV
American National Bankshares (AMNB)	389		8.1	1%	2,455	2,137	0	0	13	30	247
Southern National Bancorp of Virginia (SONA)	380		5.1	1%	2,699	2,328	0	0	32	65	331
Old Second Bancorp (OSBC)	376		5.8	1%	2,614	2,344	0	0	30	56	322
Civista Bancshares (CIVB)	374	0%	7.8	1%	2,269	1,940	14	0	34	48	374
Bar Harbor Bankshares (BHB)	372	0%	6.5	1%	3,612	3,218	16	0	26	80	521
Cambridge Bancorp (CATC)	368		6.1	1%	2,842	2,599	0	0	23	49	299
Guaranty Bancshares (GNTY)	366		7.4	1%	2,326	2,070	0	0	19	41	308
Bridgewater Bancshares (BWB)	361		5.0	1%	2,232	1,996	0	0	31	54	272
Enterprise Bancorp (EBTC)	360		4.3	1%	3,139	2,848	0	0	32	64	278
West Bancorporation (WTBA)	357		5.8	1%	2,457	2,253	0	0	28	66	380
Macatawa Bank (MCBC)	355		8.6	1%	2,144	1,933	0	0	31	46	396
Citizens & Northern (CZNC)	354		9.0	1%	1,643	1,400	0	0	20	33	303
Metropolitan Bank Holding (MCB)	349		-1.2	1%	3,243	2,952	0	0	29	75	-87
Spirit of Texas Bancshares (STXB)	347		6.9	1%	1,960	1,663	0	0	17	39	270
Peoples Financial Services (PFIS)	340		7.0	1%	2,373	2,077	0	0	27	48	342
Business First Bancshares (BFST)	337	0%	6.7	1%	2,221	1,940	3	0	18	41	273
Summit Financial Group (SMMF)	329		4.8	1%	2,324	2,081	0	0	24	57	277
Penns Woods Bancorp (PWOD)	327		8.5	1%	1,673	1,518	0	0	13	32	269
BSB Bancorp (BLMT)	323		2.5	1%	3,030	2,828	0	0	23	71	179
Howard Bancorp (HBMD)	312	0%	9.3	0%	2,293	1,985	2	0	11	36	340


Balance Sheet ($MM)	2011-06-30	2011-09-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Cash	49	56	57	52	64	38	55	40	31	38	39	55	54	50	32	32	31	28	33	38	24	30	29	29	31	30	37	34	49	36	37	44	40	51
Accounts Receivable
Inventory
PP&E	22	19	19	19	19	19	47	18	18	18	47	17	17	16	47	16	16	16	48	15	15	15	50	16	16	15	47	15	15	15	47	15	16	16
Assets	1,310	1,312	1,324	1,317	1,328	1,310	1,287	1,240	1,228	1,233	1,238	1,235	1,256	1,257	1,242	1,252	1,256	1,233	1,223	1,217	1,231	1,245	1,242	1,234	1,243	1,260	1,277	1,258	1,284	1,285	1,291	1,290	1,610	1,643
Accounts Payable
Long-Term Debt	133	128	125	115	110	90	84	77	73	73	73	73	73	73	73	73	63	63	39	39	39	39	38	38	38	31	9	18	27	33	36	33
Liabilities	1,156	1,151	1,156	1,145	1,151	1,130	1,104	1,057	1,049	1,052	1,058	1,050	1,067	1,070	1,054	1,063	1,069	1,042	1,036	1,028	1,040	1,055	1,056	1,047	1,054	1,069	1,089	1,072	1,095	1,095	1,094	1,088	1,370	1,400
Stockholders' Equity									179	181	179	185	189	187	188	189	187	190	187	188	191	191	186	187	190	191	188	186	189	190	197	202	240	243


Income Statement ($MM)	2011-06-30	2011-09-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A
Tax		2	1	0	3	1	0	0	1	2	1	1	1	1	1	1	1	1	1	1	1	1	2	1	1	2	2	1	1	2	1	1	1	1
Net Income	6	6	6	6	6	5	6	5	5	5	4	4	4	4	4	4	4	4	4	4	4	4	4	3	4	4	2	4	7	6	6	5	4	5


Cash Flow ($MM)	2011-06-30	2011-09-30	2011-12-31	2012-03-31	2012-06-30	2012-09-30	2012-12-31	2013-03-31	2013-06-30	2013-09-30	2013-12-31	2014-03-31	2014-06-30	2014-09-30	2014-12-31	2015-03-31	2015-06-30	2015-09-30	2015-12-31	2016-03-31	2016-06-30	2016-09-30	2016-12-31	2017-03-31	2017-06-30	2017-09-30	2017-12-31	2018-03-31	2018-06-30	2018-09-30	2018-12-31	2019-03-31	2019-06-30	2019-09-30
Cash Operating		5	10	3	6	8	10	7	11	8	4	6	7	3	6	4	6	5	4	4	5	5	5	4			4	6	6	6		3	5	9
Cash Investing		10	-13	6	1	-9	37	28	-9	0	-10	24	-22	-7	-5	-7	-9	22	12	15	-28	-9	-7	8			-13	11	-11	-16		13	62	-18
Cash Financing		-8	4	-14	6	-26	-30	-50	-11	-2	7	-14	14	-1	-19	3	2	-30	-11	-13	8	10	1	-12			16	-20	20	-3		-9	-72	21