Profitability
Weight: 25%
D-
33
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 67.5%
- Efficiency Ratio Trend +0.83 pp/yr
CZNC
Citizens & Northern Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
50
- 5yr Avg ROE 9.3%
- 5yr Share-Count CAGR 1.6%
Growth Quality
Weight: 15%
C+
59
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 9.0%
- Efficiency Ratio Trend (growth quality check) +0.83 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
C+
61
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
A-
83
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.9%
Stability
Weight: 10%
B
71
- EPS Volatility (σ/μ) 0.16
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 new buy.
- Holders
- 1
- Avg Δ position
- —
- New buys
- 1
- Full exits
- 0
- Cooperman new