ACNB vs Citizens & Northern
ACNB and CZNC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ACNB and CZNC compare
ACNB is the larger company, worth 1.4 times as much as Citizens & Northern ($683M against $504M).
On earnings, ACNB is cheaper: it trades at 12.4× trailing earnings, against 14.2× for Citizens & Northern.
Citizens & Northern grew revenue faster over the last twelve months (33.9% versus 14.8% for ACNB).
ACNB keeps more of each dollar of sales as profit, with a net margin of 27.2% compared with 23.0% at Citizens & Northern.
Both pay dividends: ACNB yields 3.1% and Citizens & Northern 4.1%.
ACNB scores higher on the StockData Score (15 against 14 for Citizens & Northern), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ACNB | CZNC |
|---|---|---|
| Size and price | ||
| Market cap | $683M | $504M |
| Share price | $67.20 | $28.12 |
| Change, 1 year | 40.4% | 44.9% |
| Change, 5 years | 135% | 5.8% |
| Beta (5Y) | 0.56 | 0.42 |
| Employees | 537 | 460 |
| StockData Score | ||
| Total score | 15 (better) | 14 |
| Valuation score | 1 | 1 |
| Growth score | 3 (better) | 2 |
| Performance score | 4 (better) | 2 |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.4× (better) | 14.2× |
| P/S | 3.3× | 3.3× (better) |
| P/B | 1.6× | 1.5× (better) |
| EV/EBITDA | 6.2× | – |
| P/FCF | 8.7× (better) | 9.7× |
| FCF yield | 11.5% (better) | 10.3% |
| Fair value | $56.49 | $24.05 |
| Margin of safety | −19.0% | −16.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% | 33.9% (better) |
| Revenue growth, 5Y average | 15.5% (better) | 5.9% |
| Net income growth (TTM) | 68.8% (better) | 29.3% |
| EPS growth (TTM) | 65.1% (better) | 12.5% |
| Profitability | ||
| Net margin | 27.2% (better) | 23.0% |
| FCF margin | 38.6% (better) | 34.0% |
| Return on equity | 13.4% (better) | 11.0% |
| Financial health | ||
| Debt / equity | 0.28 | 0.01 (better) |
| Net debt / EBITDA | 0.24 | – |
| Altman Z-score | 0.32 (better) | 0.24 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.1% | 4.1% (better) |
| Payout ratio | 38.6% | 52.1% |
| Years of dividend growth | 8 | – |
| Dividend growth, 5Y average | 6.7% | – |
| Buyback yield | 2.2% | – |
| Shareholder yield | 5.3% (better) | 4.1% |
| Ownership | ||
| Held by institutions | 40.7% | 33.3% |
| Held by insiders | 4.2% | 4.9% |
| Insider net buying, 12 months | −$606K | −$6.5K (better) |
| Short interest, % of float | 5.8% | 1.6% |
Go deeper
- ACNB stock overview
- ACNB income statement
- ACNB valuation and score
- CZNC stock overview
- CZNC income statement
- CZNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.