` CZNC (Citizens & Northern Corp) vs MTB (M&T Bank Corp) Comparison - Alpha Spread

CZNC
vs
MTB

Over the past 12 months, CZNC has underperformed MTB, delivering a return of 14% compared to the MTB's 31% growth.

Valuation Comparison

CZNC Intrinsic Value
25.02 USD
Undervaluation 24%
Intrinsic Value
Price
MTB Intrinsic Value
250.76 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citizens & Northern Corp
NASDAQ:CZNC
19.12 USD
M&T Bank Corp
NYSE:MTB
193.15 USD

Financials Comparison

Growth Over Time
CZNC vs MTB

CZNC
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Citizens & Northern Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
CZNC vs MTB

CZNC
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Citizens & Northern Corp
NASDAQ:CZNC
M&T Bank Corp
NYSE:MTB
What is Free Cash Flow?

Gross Margin

CZNC
0%
MTB
0%

Operating Margin

CZNC
0%
MTB
0%

Net Margin

CZNC
24.4%
MTB
26.7%

FCF Margin

CZNC
24.8%
MTB
36.4%

ROE

CZNC
9.8%
MTB
8.9%

ROA

CZNC
1%
MTB
1.2%

ROIC

CZNC
0%
MTB
0%

ROCE

CZNC
0%
MTB
0%

Stocks Performance

Stocks Performance
CZNC vs MTB

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CZNC
MTB
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1Y 3Y 5Y 10Y 15Y 20Y

Performance Gap
CZNC vs MTB

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CZNC
MTB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CZNC vs MTB

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CZNC
MTB
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