Citizens & Northern Corp (CZNC) vs Ponce Financial Group, Inc. (PDLB)

Citizens & Northern Corp and Ponce Financial Group, Inc. are both Banks Regional companies. Citizens & Northern Corp and Ponce Financial Group, Inc. are of similar size ($528.0M and $507.1M). Ponce Financial Group, Inc. trades at the lower P/E: 11.3× against 19.2×. Citizens & Northern Corp grew revenue faster over the last twelve months: 19.0% against 14.4%. Ponce Financial Group, Inc. has the higher net margin (20.7% vs 13.2%) and the lower return on invested capital (2.67% vs 4.65%). Across the 18 metrics below, Ponce Financial Group, Inc. leads on 14 and Citizens & Northern Corp on 4.

Valuation

Metric CZNC PDLB Banks Regional median
P/E 19.22 11.33 12.02
P/S 2.64 2.35 2.36
P/B 1.46 1.43 1.23
Price to free cash flow 11.25 7.19 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.20% 8.83% 8.21%
Free cash flow yield 8.89% 13.92% 9.23%

Profitability

Metric CZNC PDLB Banks Regional median
Gross margin 74.65% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.23% 20.69% 18.82%
Free cash flow margin 23.45% 32.74% 17.97%
Return on equity 7.99% 13.49% 10.28%
Return on assets 0.88% 1.30% 1.13%
Return on invested capital 4.65% 2.67% 8.45%

Growth

Metric CZNC PDLB Banks Regional median
Revenue growth (TTM) 19.01% 14.35% 6.37%
EPS growth (last fiscal year) (13.61%) 160.87% 18.85%
Revenue growth, 5-year CAGR 10.84% 23.97% 12.65%
Net income growth, 5-year CAGR 4.00% 48.24% 9.81%

Health

Metric CZNC PDLB Banks Regional median
Debt to equity 0.45 1.20 0.17
Current ratio 0.91 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZNC PDLB Banks Regional median
Dividend yield 4.02% — 2.49%
Payout ratio 0.77 — 0.29

Size

Metric CZNC PDLB Banks Regional median
Market cap 507.11m 528.02m 934.85m

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