CZNC
Citizens & Northern Corporation
CZNC has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CZNC overall, supported by stronger valuation and stronger fundamentals.
CZNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CZNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZNC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CZNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $28.02 | — |
| Cheap | 11x | $23.17 | -17% |
| Fair | 13x | $26.50 | -5.4% |
| Current | 14x | $28.02 | — |
| Expensive | 16x | $32.44 | +16% |
Historical ranges are pointers, not guarantees.
CZNC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CZNC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect CZNC's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CZNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.76 | +37% |
| Q3 2026 | $2.02 | +15% |
| Q2 2026 | $1.52 | -13% |
| Q1 2026 | $1.13 | -35% |
| Q4 2025 | $1.52 | -10% |
| Q3 2025 | $1.76 | +22% |
| Q2 2025 | $1.75 | +14% |
| Q1 2025 | $1.75 | +15% |
| Q4 2024 | $1.69 | +7.6% |
CZNC earned $2.02 per share over the past year, up 15% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CZNC on earnings, with more consistent year-over-year improvement.
CZNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $39.6M | +34% |
| Q2 2026 | $39.4M | +35% |
| Q1 2026 | $36.6M | +36% |
| Q4 2025 | $36.9M | +32% |
| Q3 2025 | $29.6M | +8.3% |
| Q2 2025 | $29.3M | +7.3% |
| Q1 2025 | $27M | +4.9% |
| Q4 2024 | $28M | +11% |
CZNC has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +25 points |
| Q2 2026 | 44% | +19 points |
| Q1 2026 | 0.9% | -28 points |
| Q4 2025 | 15% | -22 points |
| Q3 2025 | 27% | -1.5 points |
| Q2 2025 | 26% | -1.7 points |
| Q1 2025 | 29% | +3.4 points |
| Q4 2024 | 36% | +13 points |
CZNC has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CZNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18M | +65% |
| Q2 2026 | $15.3M | +90% |
| Q1 2026 | $8.5M | +713% |
| Q4 2025 | $10.1M | -14% |
| Q3 2025 | $10.9M | +69% |
| Q2 2025 | $8M | +0.7% |
| Q1 2025 | $1M | -79% |
| Q4 2024 | $11.7M | +71% |
CZNC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CZNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +21.5K shares |
| 1 year | +16% | +2.4M shares |
| 3 years | +17% | +2.6M shares |
| 5 years | +13% | +2.1M shares |
| Available history | +34% | +4.5M shares |
CZNC has 18M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | $1.5M |
| Q1 2021 | $157,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $163,000 |
| Q4 2019 | — |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CZNC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CZNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.3x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.7x | Very low |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -1.7x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
CZNC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZNC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CZNC on leverage, with a lower net debt burden relative to earnings.
CZNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.4 | Overbought |
| Stochastic | 80.4 | Overbought |
CZNC's weekly RSI is 71 (overbought) and its Stochastic is 80 (overbought).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CZNC PE vs Financial Services Sector
| Metric | CZNC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.6% above |
| PE % | 64 | 63 | 1 pt above |
CZNC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over CZNC on valuation relative to its sector.
CZNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.7 | 5% above |
| 20 week MA | $25.7 | 9.1% above |
| 50 week MA | $23.5 | 19% above |
| 100 week MA | $21.5 | 30% above |
| 200 week MA | $20.6 | 36% above |
CZNC has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CZNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $19.2 | -30% |
| 2021 | $19.2 | $26.1 | +36% |
| 2022 | $26.1 | $23.3 | -11% |
| 2023 | $23.3 | $22.4 | -3.9% |
| 2024 | $22.4 | $18.5 | -17% |
| 2025 | $18.5 | $20.6 | +11% |
| 2026 YTD | $20.6 | $28.0 | +36% |
CZNC has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.