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Citizens & Northern Corp (CZNC) vs Pioneer Bancorp, Inc. (PBFS)

Citizens & Northern Corp and Pioneer Bancorp, Inc. are both Banks Regional companies. Citizens & Northern Corp and Pioneer Bancorp, Inc. are of similar size ($454.8M and $440.5M). Citizens & Northern Corp trades at the lower P/E: 17.3× against 25.2×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against 15.1%. Citizens & Northern Corp has the higher net margin (13.2% vs 12.5%) and the lower return on invested capital (4.65% vs 6.26%). Across the 18 metrics below, Citizens & Northern Corp leads on 10 and Pioneer Bancorp, Inc. on 8.

Valuation

Metric CZNC PBFS Banks Regional median
P/E 17.28 25.24 11.98
P/S 2.37 3.13 2.34
P/B 1.31 1.29 1.19
Price to free cash flow 10.12 18.00 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.79% 3.96% 8.23%
Free cash flow yield 9.88% 5.56% 9.08%

Profitability

Metric CZNC PBFS Banks Regional median
Gross margin 74.65% 75.63% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.23% 12.49% 18.66%
Free cash flow margin 23.45% 17.40% 21.11%
Return on equity 7.99% 5.24% 10.65%
Return on assets 0.88% 0.76% 1.13%
Return on invested capital 4.65% 6.26% 8.35%

Growth

Metric CZNC PBFS Banks Regional median
Revenue growth (TTM) 19.01% 15.13% 6.98%
EPS growth (last fiscal year) (13.61%) 43.80% 18.88%
Revenue growth, 5-year CAGR 10.84% 12.85% 12.38%
Net income growth, 5-year CAGR 4.00% 31.30% 9.71%

Health

Metric CZNC PBFS Banks Regional median
Debt to equity 0.45 0.00 0.22
Current ratio 0.91 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZNC PBFS Banks Regional median
Dividend yield 4.39% — 2.57%
Payout ratio 0.76 — 0.30

Size

Metric CZNC PBFS Banks Regional median
Market cap 454.82m 440.45m 913.33m

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