COMP <GO>
CZNC vs PBAM // ALTMAN Z-SCORE & DEBT/EQUITY
Citizens & Northern Corp (NASDAQ) VS. Private Bancorp of America Inc. (NASDAQ) • 15-METRIC TALLY: CZNC 3
— PBAM 0
■ METRIC PARITY
LAST: $28.03 (+0.76%) • MKT CAP: $498.9M
balance-sheet
—
LAST: $85.34 (-0.24%) • MKT CAP: $490.2M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZNC VS. PBAM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZNC | PBAM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.90% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.03% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.27% | 0.00% | +3.27 | CZNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.5 | 48.4 | +19.10 | CZNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 19.8x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $498.9M | $490.2M | $8.8M | CZNC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZNC REV | PBAM REV | CZNC GROSS % | PBAM GROSS % | CZNC FCF | PBAM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $30.1M | — |
| FY 2024 | $0 | — | — | — | $31.1M | — |
| FY 2023 | $0 | — | — | — | $33.5M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZNC // BETA —
PBAM // BETA —