Powerpack

Unlock full stockrow access for only $9.90/month and boost yourself as an investor.

  • Full quarterly history

    Every quarter and TTM period we hold, not just the last 12.

  • Analyst estimates

    Three years of forward estimates and dividend forecasts.

  • Unlimited screener

    All results, unlimited saved screens, email when a screen changes.

  • Unlimited Excel

    Full workbooks and screener exports.

  • Unlimited follows

See Powerpack
Screener Weekly Summary Pricing

Citizens & Northern Corp (CZNC) vs Farmers & Merchants Bancorp Inc. (FMAO)

Citizens & Northern Corp and Farmers & Merchants Bancorp Inc. are both Banks Regional companies. Citizens & Northern Corp and Farmers & Merchants Bancorp Inc. are of similar size ($482.5M and $457.0M). Farmers & Merchants Bancorp Inc. trades at the lower P/E: 12.0× against 17.4×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against 7.14%. Farmers & Merchants Bancorp Inc. has the higher net margin (20.0% vs 13.2%) and the higher return on invested capital (8.07% vs 4.65%). Both pay a dividend; Citizens & Northern Corp yields more (6.04% vs 4.06%). Across the 20 metrics below, Farmers & Merchants Bancorp Inc. leads on 13 and Citizens & Northern Corp on 7.

Valuation

Metric CZNC FMAO Banks Regional median
P/E 17.42 12.00 12.15
P/S 2.39 2.41 2.37
P/B 1.32 1.23 1.21
Price to free cash flow 10.20 11.13 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.77 2.46 2.27
Earnings yield 5.74% 8.33% 8.11%
Free cash flow yield 9.80% 8.98% 8.98%

Profitability

Metric CZNC FMAO Banks Regional median
Gross margin 74.65% 66.09% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.23% 20.02% 18.66%
Free cash flow margin 23.45% 21.61% 21.18%
Return on equity 7.99% 10.75% 10.64%
Return on assets 0.88% 1.15% 1.13%
Return on invested capital 4.65% 8.07% 8.33%

Growth

Metric CZNC FMAO Banks Regional median
Revenue growth (TTM) 19.01% 7.14% 6.61%
EPS growth (last fiscal year) (13.61%) 27.89% —
Revenue growth, 5-year CAGR 10.84% 17.00% 12.30%
Net income growth, 5-year CAGR 4.00% 10.53% 9.71%

Health

Metric CZNC FMAO Banks Regional median
Debt to equity 0.45 0.44 0.22
Current ratio 0.91 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZNC FMAO Banks Regional median
Dividend yield 6.04% 4.06% 3.75%
Payout ratio 0.53 0.39 0.27

Size

Metric CZNC FMAO Banks Regional median
Market cap 456.98m 482.47m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack