Citizens & Northern vs Unity Bancorp
Citizens & Northern and Unity Bancorp are similar in size: $123m and $132m of revenue in their latest fiscal years. Unity Bancorp grew faster (23.1% against 13.3%). Unity Bancorp kept more of each dollar of sales as profit: a net margin of 44.0% against 19.1%.
| Latest fiscal year | Citizens & NorthernCZNC, 2025 | Unity BancorpUNTY, 2025 |
|---|---|---|
| Revenue | $123m | $132m |
| Revenue growth | 13.3% | 23.1% |
| Net income | $23.4m | $58.0m |
| Operating margin | — | — |
| Net margin | 19.1% | 44.0% |
| Return on equity | 7.6% | 18.1% |
| Free cash flow | $30.1m | $44.3m |
| Cash | $46.1m | $217m |
| Total debt | $28.6m | $266m |
| Debt to equity | — | — |
| Dividend per share | — | $0.58 |
| Dividend yield | 3.5% | 1.0% |
| Share buybacks | — | $5.0m |
| Employees | 460 | — |
| Market value | $502m | $584m |
| Price vs our value range | — | — |
| Moat score | 71 (Strong) | 92 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 13 sales |