CZNC vs WTBA: stock comparison and AI forecast
Citizens & Northern Corp (CZNC) and West Bancorporation Inc (WTBA) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CZNC Citizens & Northern Corp
- Price
- $27.92 +28.2% · 6M
- Market Cap
- $501M
- P/E Ratio
- 13.1x
- Size
- small-cap
- AI Forecast
WTBA West Bancorporation Inc
- Market Cap
- $523M
- P/E Ratio
- 11.5x
- 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 and WTBA have similar market capitalizations ($501M and $523M).
- WTBA trades at 11.5 times trailing earnings, CZNC at 13.1 times.
- WTBA turns 37.9% of its revenue into net income, against 29.1% for CZNC.
- WTBA carries 13.32 times debt per unit of equity, against 8.18 times for CZNC.
- CZNC yields 3.65% in dividends and WTBA 3.28%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CZNC | WTBA |
|---|---|---|
| Market Cap | $501M | $523M |
| P/E Ratio | 13.05x | 11.46x |
| P/B Ratio | 1.46x | 1.93x |
| Dividend Yield | 3.65% | 3.28% |
| EPS | $2.14 | $2.68 |
| Book Value/Share | $19.14 | $15.94 |
| Revenue/Share | $6.67 | $6.31 |
| FCF/Share | $2.89 | $3.13 |
Profitability & Margins
| Metric | CZNC | WTBA |
|---|---|---|
| ROE | 10.1% | 15.0% |
| ROA | 1.1% | 1.1% |
| Net Margin | 29.1% | 37.9% |
| EBT Margin | 36.1% | 48.9% |
| Tax Rate | 19.5% | 22.6% |
Financial Health
| Metric | CZNC | WTBA |
|---|---|---|
| D/E Ratio | 8.18x | 13.32x |
| Financial Leverage | 9.18x | 14.32x |
Cash Flow
| Metric | CZNC | WTBA |
|---|---|---|
| Operating Cash Flow | $54M | $55M |
| Free Cash Flow | $52M | $53M |
| Capital Spending | -$2M | -$1M |
| OCF Growth YoY | 60.5% | 20.5% |
| FCF Growth YoY | 63.7% | 33.6% |
| FCF/Sales | 43.4% | 49.7% |
| CapEx/Sales | 1.6% | 1.2% |
Operational Efficiency
| Metric | CZNC | WTBA |
|---|---|---|
| Asset Turnover | 0.04x | 0.03x |
| Fixed Assets Turnover | 4.4x | 1.0x |
Income Statement
| Metric | CZNC | WTBA |
|---|---|---|
| Total Revenue | $120M | $107M |
| Net Income | $35M | $41M |
Dividend & Shareholder Information
| Metric | CZNC | WTBA |
|---|---|---|
| Dividends Per Share | $1.02 | $1.01 |
| Payout Ratio | 47.7% | 37.7% |
| Shares Outstanding | 18M | 17M |
| Net Income Growth | 28.3% | 26.3% |
| EPS Growth | 2.4% | 65.4% |
CZNC vs WTBA: stock comparison and AI forecast
Which is bigger, CZNC or WTBA?
CZNC and WTBA have similar market capitalizations ($501M and $523M).
Which is cheaper on earnings, CZNC or WTBA?
WTBA trades at 11.5 times trailing earnings, CZNC at 13.1 times.
Which one does Intratio's AI model rank higher, CZNC or WTBA?
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.