Citizens & Northern vs Unity Bancorp
CZNC and UNTY side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CZNC and UNTY compare
Citizens & Northern and Unity Bancorp are about the same size, with market caps of $503M and $576M.
On earnings, Unity Bancorp is cheaper: it trades at 10.0× trailing earnings, against 18.9× for Citizens & Northern.
Citizens & Northern grew revenue faster over the last twelve months (27.7% versus 13.1% for Unity Bancorp).
Unity Bancorp keeps more of each dollar of sales as profit, with a net margin of 43.3% compared with 17.8% at Citizens & Northern.
Both pay dividends: Citizens & Northern yields 4.0% and Unity Bancorp 1.1%.
Unity Bancorp scores higher on the StockData Score (18 against 11 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 | CZNC | UNTY |
|---|---|---|
| Size and price | ||
| Market cap | $503M | $576M |
| Share price | $28.03 | $57.31 |
| Change, 1 year | 45.7% | 24.9% |
| Change, 5 years | 5.0% | 112% |
| Beta (5Y) | 0.42 | 0.60 |
| Employees | 460 | 228 |
| StockData Score | ||
| Total score | 11 | 18 (better) |
| Valuation score | 1 | 1 |
| Growth score | 1 | 3 (better) |
| Performance score | 1 | 6 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 18.9× | 10.0× (better) |
| P/S | 3.5× (better) | 4.2× |
| P/B | 1.5× (better) | 1.5× |
| P/FCF | 11.2× (better) | 21.3× |
| PEG | – | 0.61 |
| FCF yield | 8.9% (better) | 4.7% |
| Fair value | $21.06 | $54.29 |
| Margin of safety | −33.1% | −5.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 27.7% (better) | 13.1% |
| Revenue growth, 5Y average | 5.9% | 11.2% (better) |
| Net income growth (TTM) | −5.9% | 16.1% (better) |
| EPS growth (TTM) | −15.4% | 16.4% (better) |
| EPS growth, 5Y average | – | 21.0% |
| Profitability | ||
| Net margin | 17.8% | 43.3% (better) |
| FCF margin | 31.4% (better) | 20.0% |
| Return on equity | 8.0% | 17.0% (better) |
| Financial health | ||
| Debt / equity | 0.04 | – |
| Altman Z-score | 0.23 | 0.28 (better) |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 4.0% (better) | 1.1% |
| Payout ratio | 69.5% | 10.3% |
| Years of dividend growth | – | 12 |
| Dividend growth, 5Y average | – | 12.6% |
| Buyback yield | – | 0.60% |
| Shareholder yield | 4.0% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 33.3% | 52.2% |
| Held by insiders | 4.9% | 22.0% |
| Insider net buying, 12 months | −$15.9K (better) | −$1.8M |
| Short interest, % of float | 2.0% | 2.8% |
Go deeper
- CZNC stock overview
- CZNC income statement
- CZNC valuation and score
- UNTY stock overview
- UNTY income statement
- UNTY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.