` 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 +5% compared to the MTB's +29% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
CZNC
MTB
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

CZNC Intrinsic Value
HIDDEN
Show
MTB Intrinsic Value
HIDDEN
Show
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citizens & Northern Corp
NASDAQ:CZNC
19.88 USD
M&T Bank Corp
NYSE:MTB
201.91 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CZNC vs MTB

CZNC
MTB
Add Stock
Revenue
www.alphaspread.com
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
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Citizens & Northern Corp
NASDAQ:CZNC
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

CZNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

CZNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

CZNC
24.4%
MTB
26.7%

FCF Margin

CZNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

CZNC
9.8%
MTB
8.9%

ROA

CZNC
1%
MTB
1.2%

ROIC

CZNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

CZNC
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens & Northern Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
CZNC vs MTB

Loading

Performance Gap
CZNC vs MTB

Performance Gap Between CZNC and MTB
HIDDEN
Show

Performance By Year
CZNC vs MTB

Loading
CZNC
MTB
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare CZNC to other stocks
Unlock Full Access to Alpha Spread
Create Free Account