$22.42
▲ +$0.04
(+0.18%)
Vol 37K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$359.1M
P/E
13.2
ROE
9.5%
Margin
25.6%
D/E
14.07
Beta
0.55
Div Yield
5.55%
52W
$18–$23
Wall Street Consensus
6 analysts · Apr 20260
Strong Buy
0
Buy
3
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 0.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.60 | $0.25 | $-0.35 |
| Sep 2025 | $0.52 | $0.42 | $-0.10 |
| Jun 2025 | $0.47 | $0.40 | $-0.07 |
| Mar 2025 | $0.45 | $0.41 | $-0.04 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $27.7M | $26.6M | $28.9M | $29.0M | $36.3M |
| Net Income | — | $8.2M | $6.3M | $6.1M | $6.6M | $4.5M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 9.6% | 9.6% | 9.6% | 9.6% | 9.5% | 9.5% |
| P/E (TTM) | 10.89 | 11.40 | 11.34 | 12.78 | 13.23 | 13.23 |
| Net Margin | — | 25.6% | 25.6% | 25.6% | 25.6% | 25.6% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 14.09 | 14.09 | 14.09 | 14.09 | 14.07 | 14.07 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.0%
P/S (TTM)
2.78
P/B
1.0
EPS (TTM)
$1.77
CF/Share
$1.98
Rev Growth 3Y
+12.7%
52W High
$22.68
52W Low
$17.85
$17.85
52-Week Range
$22.68
Financial Health
Free Cash Flow
$10.1M
Net Debt
$141.8M
Cash
$46.1M
Total Debt
$187.9M
As of Dec 31, 2025
How does CZNC compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CZNC valuation vs Banking peers
P/E ratio
13.2
▲
5%
above
peers
(12.6)
vs Peers
vs Industry
Fair value
P/S ratio
2.8
▲
20%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.0
▼
1%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
5.6%
▲
86%
above
peers
(3.0%)
vs Peers
vs Industry
Strong yield
CZNC profitability vs Banking peers
ROE
9.5%
▲
6%
above
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
25.6%
▼
10%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▲
8%
above
peers
(1.0%)
vs Peers
vs Industry
In line
CZNC financial health vs Banking peers
D/E ratio
14.1
▲
2%
above
peers
(13.8)
vs Peers
vs Industry
In line
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
21%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
CZNC fundamentals radar
CZNC
Peer median
Industry
CZNC profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CZNC vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
PELLEGRINO FRANK G
Director · Mar 06
185 shs
SHATTUCK KATHERINE W
Director · Feb 10
16 shs
SCOVILL J BRADLEY
Chief Executive Officer · Jan 30
10376 shs
HUGHES MARK A
Chief Financial Officer · Jan 30
4034 shs
REBER JOHN M
Officer · Jan 30
2840 shs
RUDY THOMAS L JR
Officer · Jan 30
2982 shs
RUDY THOMAS L JR
Officer · Jan 30
2982 shs
HOOSE HAROLD F III
Officer · Jan 30
4592 shs
DUNSMORE STAN R.
Officer · Jan 30
3134 shs
WATKINS TRACY ELLEN
Officer · Jan 30
2390 shs
Last 90 days
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As of Dec 31, 2025
Dividends
$1.12
/ year
Feb 02, 2026
$0.2800
Nov 03, 2025
$0.2800
Aug 04, 2025
$0.2800
May 02, 2025
$0.2800
Feb 03, 2025
$0.2800
Oct 28, 2024
$0.2800
Jul 29, 2024
$0.2800
May 03, 2024
$0.2800
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