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CZNC vs V

CZNC
Citizens & Northern Corporation
NEUTRAL
Price
$22.89
Market Cap
$410.0M
Sector
Financial Services
AI Confidence
55%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
CZNC
15.68
V
28.35
Forward P/E
CZNC
8.48
V
20.79
P/B Ratio
CZNC
1.19
V
15.09
P/S Ratio
CZNC
3.52
V
14.08
EV/EBITDA
CZNC
--
V
20.06

Profitability

Gross Margin
CZNC
0.0%
V
97.78%
Operating Margin
CZNC
34.55%
V
68.3%
Profit Margin
CZNC
20.09%
V
50.23%
ROE
CZNC
7.59%
V
53.95%
ROA
CZNC
0.82%
V
18.36%

Growth

Revenue Growth
CZNC
24.5%
V
14.6%
Earnings Growth
CZNC
-52.6%
V
17.4%

Financial Health

Debt/Equity
CZNC
--
V
0.55
Current Ratio
CZNC
--
V
1.11
Quick Ratio
CZNC
--
V
0.72

Dividends

Dividend Yield
CZNC
4.9%
V
0.89%
Payout Ratio
CZNC
76.71%
V
22.91%

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.
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

CZNC vs V: Head-to-Head Comparison

This page compares Citizens & Northern Corporation (CZNC) and Visa Inc. (V) 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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