No connection

Search Results

CZNC vs MA

CZNC
Citizens & Northern Corporation
NEUTRAL
Price
$22.89
Market Cap
$410.0M
Sector
Financial Services
AI Confidence
55%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CZNC
15.68
MA
30.28
Forward P/E
CZNC
8.48
MA
22.05
P/B Ratio
CZNC
1.19
MA
57.74
P/S Ratio
CZNC
3.52
MA
13.6
EV/EBITDA
CZNC
--
MA
22.13

Profitability

Gross Margin
CZNC
0.0%
MA
100.0%
Operating Margin
CZNC
34.55%
MA
57.73%
Profit Margin
CZNC
20.09%
MA
45.65%
ROE
CZNC
7.59%
MA
209.91%
ROA
CZNC
0.82%
MA
23.72%

Growth

Revenue Growth
CZNC
24.5%
MA
17.6%
Earnings Growth
CZNC
-52.6%
MA
24.2%

Financial Health

Debt/Equity
CZNC
--
MA
2.56
Current Ratio
CZNC
--
MA
1.03
Quick Ratio
CZNC
--
MA
0.68

Dividends

Dividend Yield
CZNC
4.9%
MA
0.7%
Payout Ratio
CZNC
76.71%
MA
18.4%

AI Verdict

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.
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CZNC vs MA: Head-to-Head Comparison

This page compares Citizens & Northern Corporation (CZNC) and Mastercard Incorporated (MA) 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.

Home
Terminal
AI
Markets
Profile