CZNC
Citizens & Northern Corporation
CZNC's fundamentals are mixed: revenue grew 34%, while its operating margin held steady at 29%. At 14x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
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.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
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's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
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.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. 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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
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's revenue has grown year over year for 10 quarters in a row: $40M last quarter, up 34% from the same quarter a year ago.
| 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 IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 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 IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
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 | — |
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has the edge over CZNC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
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).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (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.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
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 IREN on trend strength, trading above more of its moving averages.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% 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 IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.