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BSVN vs CZNC

BSVN
Bank7 Corp.
NEUTRAL
Price
$41.64
Market Cap
$396.4M
Sector
Financial Services
AI Confidence
60%
CZNC
Citizens & Northern Corporation
NEUTRAL
Price
$22.89
Market Cap
$410.0M
Sector
Financial Services
AI Confidence
55%

Valuation

P/E Ratio
BSVN
9.25
CZNC
15.68
Forward P/E
BSVN
9.12
CZNC
8.48
P/B Ratio
BSVN
1.57
CZNC
1.19
P/S Ratio
BSVN
4.14
CZNC
3.52
EV/EBITDA
BSVN
--
CZNC
--

Profitability

Gross Margin
BSVN
0.0%
CZNC
0.0%
Operating Margin
BSVN
59.85%
CZNC
34.55%
Profit Margin
BSVN
45.02%
CZNC
20.09%
ROE
BSVN
18.56%
CZNC
7.59%
ROA
BSVN
2.33%
CZNC
0.82%

Growth

Revenue Growth
BSVN
-0.1%
CZNC
24.5%
Earnings Growth
BSVN
-3.8%
CZNC
-52.6%

Financial Health

Debt/Equity
BSVN
--
CZNC
--
Current Ratio
BSVN
--
CZNC
--
Quick Ratio
BSVN
--
CZNC
--

Dividends

Dividend Yield
BSVN
2.64%
CZNC
4.9%
Payout Ratio
BSVN
22.67%
CZNC
76.71%

AI Verdict

BSVN NEUTRAL

BSVN shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 30.2% premium to fair value estimate ($31.99), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 9.3
Undervalued vs Graham Number ($52.22)
Strong profitability (45.0% margin)
Risks
Declining revenue (-0.1%)
Price trades at a 30.2% premium to fair value estimate ($31.99), limiting near-term upside from a valuation perspective.
CZNC NEUTRAL

CZNC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Strengths
Strong profitability (20.1% margin)
Strong revenue growth of 24.5%
Risks
Limited historical data available for full assessment
Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Compare Another Pair

BSVN vs CZNC: Head-to-Head Comparison

This page compares Bank7 Corp. (BSVN) and Citizens & Northern Corporation (CZNC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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