BMRC vs CZNC: stock comparison and AI forecast
Bank Of Marin Bancorp (BMRC) and Citizens & Northern Corp (CZNC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BMRC Bank Of Marin Bancorp
- Market Cap
- $461M
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
CZNC Citizens & Northern Corp
- Market Cap
- $501M
- P/E Ratio
- 13.1x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- BMRC and CZNC have similar market capitalizations ($461M and $501M).
- BMRC carries 9.19 times debt per unit of equity, against 8.18 times for CZNC.
- CZNC yields 3.65% in dividends and BMRC 3.51%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BMRC | CZNC |
|---|---|---|
| Market Cap | $461M | $501M |
| P/E Ratio | – | 13.05x |
| P/B Ratio | 1.21x | 1.46x |
| Dividend Yield | 3.51% | 3.65% |
| EPS | $-1.51 | $2.14 |
| Book Value/Share | $23.43 | $19.14 |
| Revenue/Share | $3.86 | $6.67 |
| FCF/Share | $2.61 | $2.89 |
Profitability & Margins
| Metric | BMRC | CZNC |
|---|---|---|
| ROE | – | 10.1% |
| ROA | – | 1.1% |
| Net Margin | – | 29.1% |
| EBT Margin | -31.1% | 36.1% |
| Tax Rate | 39.0% | 19.5% |
Financial Health
| Metric | BMRC | CZNC |
|---|---|---|
| D/E Ratio | 9.19x | 8.18x |
| Financial Leverage | 10.19x | 9.18x |
Cash Flow
| Metric | BMRC | CZNC |
|---|---|---|
| Operating Cash Flow | $43M | $54M |
| Free Cash Flow | $42M | $52M |
| Capital Spending | -$870K | -$2M |
| OCF Growth YoY | 19.3% | 60.5% |
| FCF Growth YoY | 23.2% | 63.7% |
| FCF/Sales | 67.6% | 43.4% |
| CapEx/Sales | 1.4% | 1.6% |
Operational Efficiency
| Metric | BMRC | CZNC |
|---|---|---|
| Asset Turnover | 0.02x | 0.04x |
| Fixed Assets Turnover | 8.4x | 4.4x |
Income Statement
| Metric | BMRC | CZNC |
|---|---|---|
| Total Revenue | $62M | $120M |
| Net Income | – | $35M |
Dividend & Shareholder Information
| Metric | BMRC | CZNC |
|---|---|---|
| Dividends Per Share | $1.00 | $1.02 |
| Payout Ratio | – | 47.7% |
| Shares Outstanding | 16M | 18M |
| Net Income Growth | – | 28.3% |
| EPS Growth | -246.6% | 2.4% |
BMRC vs CZNC: stock comparison and AI forecast
Which is bigger, BMRC or CZNC?
BMRC and CZNC have similar market capitalizations ($461M and $501M).
Which one does Intratio's AI model rank higher, BMRC or CZNC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.