COMP <GO>
FRBA vs CZNC // EV/EBITDA & P/E VALUATION
First Bank (NASDAQ) VS. Citizens & Northern Corp (NASDAQ) • 15-METRIC TALLY: FRBA 1
— CZNC 2
■ METRIC PARITY
LAST: $19.44 (+0.47%) • MKT CAP: $488.6M
valuation
—
LAST: $27.82 (+1.20%) • MKT CAP: $498.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FRBA VS. CZNC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FRBA | CZNC | 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 ACTIVE | — | — | — | 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 | 0.00% | 3.27% | -3.27 | CZNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | 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 | 72.7 | 71.0 | +1.73 | FRBA | /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 | $488.6M | $498.9M | -$10.3M | CZNC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FRBA REV | CZNC REV | FRBA GROSS % | CZNC GROSS % | FRBA FCF | CZNC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $0 | — | — | — | $30.1M |
| FY 2024 | — | $0 | — | — | — | $31.1M |
| FY 2023 | — | $0 | — | — | — | $33.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FRBA // BETA —
CZNC // BETA —