Citizens & Northern Corp (CZNC)

$20.76

-0.24

(-1.14%)▲

Market is closed - opens 8 PM, 06 Dec 2023

Insights on Citizens & Northern Corp

  • Decreasing Revenue

    Revenue is down for the last 2 quarters, 26.60M → 25.64M (in $), with an average decrease of 3.6% per quarter

  • Increasing Net Profit

    Netprofit is up for the last 2 quarters, 6.04M → 7.59M (in $), with an average increase of 20.4% per quarter

  • Vs ITUB

    In the last 1 year, Itaú Unibanco Holding S.a. has given 30.8% return, outperforming this stock by 45.7%

  • Vs IBN

    In the last 3 years, Icici Bank Ltd. has given 8.8% return, outperforming this stock by 0.2%

Performance

  • $20.72
    $21.00
    $20.76
    downward going graph

    0.19%

    Downside

    Day's Volatility :1.33%

    Upside

    1.14%

    downward going graph
  • $15.78
    $22.23
    $20.76
    downward going graph

    23.99%

    Downside

    52 Weeks Volatility :29.01%

    Upside

    6.61%

    downward going graph

Returns

PeriodCitizens & Northern CorpSector (Financials)Index (Russel 2000)
3 Months
16.24%
4.7%
0.0%
6 Months
4.85%
8.8%
0.0%
1 Year
-14.92%
3.5%
-2.4%
3 Years
7.9%
24.1%
-6.5%

Highlights

Market Capitalization
320.8M
Book Value
$15.73
Dividend Share
1.12
Dividend Yield
5.48%
Earnings Per Share (EPS)
1.84
PE Ratio
11.41
PEG Ratio
0.0
Wall Street Target Price
19.5
Profit Margin
25.99%
Operating Margin TTM
34.47%
Return On Assets TTM
1.13%
Return On Equity TTM
11.55%
Revenue TTM
106.4M
Revenue Per Share TTM
6.96
Quarterly Revenue Growth YOY
20.3%
Gross Profit TTM
100.3M
Diluted Eps TTM
1.84
Quarterly Earnings Growth YOY
0.73
EPS Estimate Current Year
1.68
EPS Estimate Next Year
1.58
EPS Estimate Current Quarter
0.39
EPS Estimate Next Quarter
0.39

Analyst Recommendation

Hold
    0
    0%Buy
    57%Hold
    42%Sell
Based on 7 Wall street analysts offering stock ratings for Citizens & Northern Corp(by analysts ranked 0 to 5 stars)
Based on 7 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
00
00
00
Hold
4
4
4
Sell
3
3
3

Analyst Forecast

What analysts predicted

Downside of 6.07%

Current $20.76
Target $19.50

Company Financials

FY17Y/Y Change
Revenue
57.1M
↑ 2.03%
Net Income
13.4M
↓ 14.77%
Net Profit Margin
23.54%
↓ 4.64%
FY18Y/Y Change
Revenue
66.0M
↑ 15.67%
Net Income
22.0M
↑ 63.86%
Net Profit Margin
33.34%
↑ 9.8%
FY19Y/Y Change
Revenue
72.7M
↑ 10.11%
Net Income
19.5M
↓ 11.4%
Net Profit Margin
26.83%
↓ 6.51%
FY20Y/Y Change
Revenue
90.8M
↑ 24.98%
Net Income
19.2M
↓ 1.45%
Net Profit Margin
21.16%
↓ 5.67%
FY21Y/Y Change
Revenue
103.8M
↑ 14.28%
Net Income
30.6M
↑ 58.95%
Net Profit Margin
29.43%
↑ 8.27%
FY22Y/Y Change
Revenue
106.0M
↑ 2.06%
Net Income
26.6M
↓ 12.88%
Net Profit Margin
25.12%
↓ 4.31%
Q2 FY22Q/Q Change
Revenue
26.1M
↑ 6698.7%
Net Income
7.5M
↑ 8.61%
Net Profit Margin
28.69%
↓ 1766.88%
Q3 FY22Q/Q Change
Revenue
26.2M
↑ 0.18%
Net Income
4.5M
↓ 40.51%
Net Profit Margin
17.03%
↓ 11.66%
Q4 FY22Q/Q Change
Revenue
27.9M
↑ 6.79%
Net Income
7.8M
↑ 74.61%
Net Profit Margin
27.85%
↑ 10.82%
Q1 FY23Q/Q Change
Revenue
26.4M
↓ 5.48%
Net Income
6.3M
↓ 19.62%
Net Profit Margin
23.69%
↓ 4.16%
Q2 FY23Q/Q Change
Revenue
26.6M
↑ 0.77%
Net Income
6.0M
↓ 3.36%
Net Profit Margin
22.72%
↓ 0.97%
Q3 FY23Q/Q Change
Revenue
25.6M
↓ 3.58%
Net Income
7.6M
↑ 25.62%
Net Profit Margin
29.6%
↑ 6.88%
FY17Y/Y Change
Total Assets
1.3B
↑ 2.79%
Total Liabilities
1.1B
↑ 3.05%
FY18Y/Y Change
Total Assets
1.3B
↑ 1.09%
Total Liabilities
1.1B
↑ 0.46%
FY19Y/Y Change
Total Assets
1.7B
↑ 28.14%
Total Liabilities
1.4B
↑ 28.91%
FY20Y/Y Change
Total Assets
2.2B
↑ 35.36%
Total Liabilities
1.9B
↑ 37.57%
FY21Y/Y Change
Total Assets
2.3B
↑ 3.95%
Total Liabilities
2.0B
↑ 4.48%
FY22Y/Y Change
Total Assets
2.5B
↑ 5.44%
Total Liabilities
2.2B
↑ 8.82%
Q2 FY22Q/Q Change
Total Assets
2.4B
↑ 3.45%
Total Liabilities
2.2B
↑ 4.77%
Q3 FY22Q/Q Change
Total Assets
2.4B
↓ 0.44%
Total Liabilities
2.2B
↑ 0.43%
Q4 FY22Q/Q Change
Total Assets
2.5B
↑ 2.26%
Total Liabilities
2.2B
↑ 2.02%
Q1 FY23Q/Q Change
Total Assets
2.4B
↓ 1.0%
Total Liabilities
2.2B
↓ 1.39%
Q2 FY23Q/Q Change
Total Assets
2.5B
↑ 1.68%
Total Liabilities
186.2M
↓ 91.44%
Q3 FY23Q/Q Change
Total Assets
2.5B
↑ 0.53%
Total Liabilities
188.0M
↑ 1.01%
FY17Y/Y Change
Operating Cash Flow
19.4M
↑ 4.67%
Investing Cash Flow
-30.9M
↑ 5.12%
Financing Cash Flow
19.9M
↑ 221.35%
FY18Y/Y Change
Operating Cash Flow
25.9M
↑ 33.64%
Investing Cash Flow
-21.6M
↓ 29.95%
Financing Cash Flow
-8.4M
↓ 142.29%
FY19Y/Y Change
Operating Cash Flow
22.5M
↓ 13.25%
Investing Cash Flow
22.7M
↓ 204.71%
Financing Cash Flow
-46.8M
↑ 456.16%
FY20Y/Y Change
Operating Cash Flow
24.8M
↑ 10.34%
Investing Cash Flow
96.6M
↑ 326.06%
Financing Cash Flow
-56.5M
↑ 20.57%
FY21Y/Y Change
Operating Cash Flow
34.8M
↑ 40.59%
Investing Cash Flow
-103.9M
↓ 207.57%
Financing Cash Flow
68.9M
↓ 221.98%
FY22Y/Y Change
Operating Cash Flow
34.6M
↓ 0.7%
Investing Cash Flow
-234.7M
↑ 125.89%
Financing Cash Flow
151.9M
↑ 120.58%
Q2 FY22Q/Q Change
Operating Cash Flow
8.4M
↑ 48.18%
Investing Cash Flow
-142.4M
↑ 685.97%
Financing Cash Flow
89.1M
↑ 307.59%
Q3 FY22Q/Q Change
Operating Cash Flow
12.5M
↑ 49.65%
Investing Cash Flow
-19.7M
↓ 86.16%
Financing Cash Flow
2.3M
↓ 97.43%
Q4 FY22Q/Q Change
Operating Cash Flow
8.1M
↓ 35.66%
Investing Cash Flow
-54.4M
↑ 176.2%
Financing Cash Flow
38.6M
↑ 1584.95%
Q1 FY23Q/Q Change
Operating Cash Flow
9.5M
↑ 18.5%
Investing Cash Flow
26.5M
↓ 148.69%
Financing Cash Flow
-37.6M
↓ 197.42%
Q2 FY23Q/Q Change
Operating Cash Flow
7.8M
↓ 18.38%
Investing Cash Flow
-47.9M
↓ 280.69%
Financing Cash Flow
40.2M
↓ 206.67%

Technicals Summary

Sell

Neutral

Buy

Citizens & Northern Corp is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens & Northern Corp
Citizens & Northern Corp
8.63%
4.85%
-14.92%
7.9%
-18.17%
Icici Bank Ltd.
Icici Bank Ltd.
6.7%
6.05%
7.98%
74.7%
145.17%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
14.08%
9.72%
-8.69%
-2.22%
7.23%
U.s. Bancorp
U.s. Bancorp
11.71%
20.75%
-8.24%
-12.05%
-24.72%
Truist Financial Corp
Truist Financial Corp
7.84%
0.3%
-20.86%
-30.74%
-31.14%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
12.94%
17.24%
30.77%
7.67%
-29.78%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens & Northern Corp
Citizens & Northern Corp
11.41
11.41
0.0
1.68
0.12
0.01
0.05
15.73
Icici Bank Ltd.
Icici Bank Ltd.
17.95
17.95
0.0
1.08
0.19
0.02
0.01
331.35
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
9.65
9.65
7.18
13.75
0.13
0.01
0.04
105.98
U.s. Bancorp
U.s. Bancorp
11.86
11.86
2.68
4.31
0.11
0.01
0.05
29.74
Truist Financial Corp
Truist Financial Corp
8.36
8.36
0.88
3.76
0.09
0.01
0.06
41.37
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.6
9.6
0.9
0.73
0.18
0.01
0.03
18.73
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens & Northern Corp
Citizens & Northern Corp
Hold
$320.8M
-18.17%
11.41
25.99%
Icici Bank Ltd.
Icici Bank Ltd.
Buy
$85.0B
145.17%
17.95
30.56%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
Buy
$55.4B
7.23%
9.65
29.76%
U.s. Bancorp
U.s. Bancorp
Buy
$61.9B
-24.72%
11.86
22.39%
Truist Financial Corp
Truist Financial Corp
Hold
$44.4B
-31.14%
8.36
25.94%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
Buy
$62.1B
-29.78%
9.6
26.26%

Institutional Holdings

  • BlackRock Inc

    6.96%

  • Vanguard Group Inc

    4.61%

  • Dimensional Fund Advisors, Inc.

    3.36%

  • Citizens & Northern Corp

    2.09%

  • Geode Capital Management, LLC

    2.01%

  • State Street Corporation

    1.97%

Corporate Announcements

  • Citizens & Northern Corp Dividends March,2023

    In the quarter ending March,2023. Citizens & Northern Corp has declared dividend of $0.28

    Read More

Company Information

founded in 1864 as the first national bank of wellsborough, c&n is a full-service financial institution with branch offices in eight counties across northern pennsylvania and southern new york. for over 150 years, c&n has been committed to the businesses and families in our local communities. c&n has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share c&n’s mission to enhance the lives of our neighbors in the communities we serve. citizens & northern corporation is a bank holding company with assets exceeding $1.2 billion and is headquartered in wellsboro, pa. banking services are provided by its subsidiary, citizens & northern bank, from 26 banking offices in bradford, cameron, lycoming, mckean, potter, sullivan and tioga counties in pennsylvania and steuben county in new york. investment products are offered through c&n investment services and insurance products are offered through c&n financ

Organization
Citizens & Northern Corp
Employees
415
CEO
Mr. J. Bradley Scovill
Industry
Finance

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