CBK vs CZNC: stock comparison and AI forecast
Commercial Bancgroup, Inc. (CBK) and Citizens & Northern Corp (CZNC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CBK Commercial Bancgroup, Inc.
- Market Cap
- $447M
- P/E Ratio
- 8.9x
- Size
- small-cap
- AI Forecast
CZNC Citizens & Northern Corp
- Price
- $27.92 +28.2% · 6M
- 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
- CZNC is 1.1 times larger than CBK by market capitalization ($501M against $447M).
- CBK trades at 8.8 times trailing earnings, CZNC at 13.1 times.
- CBK turns 41.7% of its revenue into net income, against 29.1% for CZNC.
- CZNC carries 8.18 times debt per unit of equity, against 6.85 times for CBK.
- CZNC yields 3.65% in dividends and CBK 1.06%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CBK | CZNC |
|---|---|---|
| Market Cap | $447M | $501M |
| P/E Ratio | 8.85x | 13.05x |
| P/B Ratio | 1.48x | 1.46x |
| Dividend Yield | 1.06% | 3.65% |
| EPS | $3.69 | $2.14 |
| Book Value/Share | $22.09 | $19.14 |
| Revenue/Share | $9.97 | $6.67 |
| FCF/Share | $4.17 | $2.89 |
Profitability & Margins
| Metric | CBK | CZNC |
|---|---|---|
| ROE | 18.8% | 10.1% |
| ROA | 2.4% | 1.1% |
| Net Margin | 41.7% | 29.1% |
| EBT Margin | 52.8% | 36.1% |
| Tax Rate | 21.1% | 19.5% |
Financial Health
| Metric | CBK | CZNC |
|---|---|---|
| D/E Ratio | 6.85x | 8.18x |
| Financial Leverage | 7.85x | 9.18x |
Cash Flow
| Metric | CBK | CZNC |
|---|---|---|
| Operating Cash Flow | $60M | $54M |
| Free Cash Flow | $57M | $52M |
| Capital Spending | -$3M | -$2M |
| OCF Growth YoY | – | 60.5% |
| FCF Growth YoY | – | 63.7% |
| FCF/Sales | 41.8% | 43.4% |
| CapEx/Sales | 2.5% | 1.6% |
Operational Efficiency
| Metric | CBK | CZNC |
|---|---|---|
| Asset Turnover | 0.06x | 0.04x |
| Fixed Assets Turnover | 2.7x | 4.4x |
Income Statement
| Metric | CBK | CZNC |
|---|---|---|
| Total Revenue | $137M | $120M |
| Net Income | $57M | $35M |
Dividend & Shareholder Information
| Metric | CBK | CZNC |
|---|---|---|
| Dividends Per Share | $0.35 | $1.02 |
| Payout Ratio | 9.5% | 47.7% |
| Shares Outstanding | 14M | 18M |
| Net Income Growth | – | 28.3% |
| EPS Growth | – | 2.4% |
CBK vs CZNC: stock comparison and AI forecast
Which is bigger, CBK or CZNC?
CZNC is 1.1 times larger than CBK by market capitalization ($501M against $447M).
Which is cheaper on earnings, CBK or CZNC?
CBK trades at 8.8 times trailing earnings, CZNC at 13.1 times.
Which one does Intratio's AI model rank higher, CBK 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.
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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.