Citizens & Northern Corp (CZNC) vs Eagle Point Credit Company (ECC)

Citizens & Northern Corp and Eagle Point Credit Company are both in the Financial sector (Banks Regional and Closed End Fund Debt). Citizens & Northern Corp and Eagle Point Credit Company are of similar size ($468.2M and $457.0M). Eagle Point Credit Company has negative trailing earnings, so its P/E is not meaningful; Citizens & Northern Corp trades at 17.4×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against −7.08%. Citizens & Northern Corp has the higher net margin (13.2% vs −94.2%) and the lower return on invested capital (4.65% vs 9.41%). Both pay a dividend; Eagle Point Credit Company yields more (15.3% vs 6.04%). Across the 21 metrics below, Citizens & Northern Corp leads on 11 and Eagle Point Credit Company on 10.

Valuation

Metric CZNC ECC
P/E 17.42 n/m
P/S 2.39 2.55
P/B 1.32 0.78
Price to free cash flow 10.20 1.94
EV/EBITDA n/m 4.48
EV/Sales 2.77 3.32
Earnings yield 5.74% (34.44%)
Free cash flow yield 9.80% 51.53%

Profitability

Metric CZNC ECC
Gross margin 74.65% 100.00%
Operating margin 0.00% 74.11%
Net margin 13.23% (94.21%)
Free cash flow margin 23.45% 131.50%
Return on equity 7.99% (22.69%)
Return on assets 0.88% (13.00%)
Return on invested capital 4.65% 9.41%

Growth

Metric CZNC ECC
Revenue growth (TTM) 19.01% (7.08%)
EPS growth (last fiscal year) (13.61%) (214.14%)
Revenue growth, 5-year CAGR 10.84% 26.27%
Net income growth, 5-year CAGR 4.00% 0.00%

Health

Metric CZNC ECC
Debt to equity 0.45 0.37
Current ratio 0.91 0.54
Net debt to EBITDA 0.00 1.52

Dividend

Metric CZNC ECC
Dividend yield 6.04% 15.26%
Payout ratio 0.53 1.54

Size

Metric CZNC ECC
Market cap 456.98m 468.20m

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