Citizens & Northern share price today

(CZNC)

Citizens & Northern share price is $20.24 & -₹20.24 as on 12 Dec 2024, 2.30 'hrs' IST

$20.24

▲

-0.46

(-2.22%)

Market is closed - opens 8 PM, 12 Dec 2024

View live Citizens & Northern share price in Dollar and Rupees. Guide to invest in Citizens & Northern from India. Also see the sentimental analysis on Indian investors investing in Citizens & Northern. Get details on the Indian mutual funds that are investing in Citizens & Northern. Get Analyst recommendations and forecasts along with all the Citizens & Northern's financials.

Citizens & Northern share price movements

$20.23
$20.95
$20.24
0.07%
Downside
Day's Volatility :3.46%
Upside
3.39%
$16.50
$23.50
$20.24
18.48%
Downside
52 Weeks Volatility :29.79%
Upside
13.87%

Citizens & Northern Returns

Period	Citizens & Northern Corp	Sector (Financials)	Index (Russel 2000)
3 Months	5.25%	12.2%	0.0%
6 Months	19.06%	22.0%	0.0%
1 Year	-4.71%	36.0%	0.0%
3 Years	-19.33%	27.5%	-20.0%

Citizens & Northern Key Statistics

in dollars & INR

Previous Close	$20.7
Open	$20.95
Today's High	$20.95
Today's Low	$20.225
Market Capitalization	$312.0M
Today's Volume	$29.9K
52 Week High	$23.5
52 Week Low	$16.5
Revenue TTM	$101.9M
Earnings Per Share (EPS)	$1.44
PE Ratio	14.06
Dividend Yield	5.41%
Profit Margin	21.63%
Quarterly Earnings Growth YOY	-0.17%
Return On Equity TTM	8.52%

How to invest in Citizens & Northern from India?

It is very easy for Indian residents to invest directly in Citizens & Northern from India. Indian investors can open a free US stocks account on the INDmoney app. You can find live prices of the Citizens & Northern stock in both rupees (INR) and dollars (USD). Search for Citizens & Northern or CZNC on INDmoney app and click on Buy or SIP. You can invest by choosing quantities of shares of Citizens & Northern or Rupee/ Dollar value or set up a fixed SIP amount to be invested every month or week.

For example: You can easily buy Rs.100 worth of Citizens & Northern shares which would translate to -0.000 fractional shares of Citizens & Northern as of today. Learn more about fractional investing here.

Indians via INDmoney can now also, easily transfer and add their money to the US stocks account via INDmoney App. Click here for step by step process for the same

Indian investors sentiment towards Citizens & Northern

22%

Period: Sep 12, 2024 to Dec 11, 2024. Change in 30 Days versus previous period

Search volume for Citizens & Northern on INDmoney from India has grown in the last 30 days as on Dec 12, 2024. 22% more investors are searching Citizens & Northern in the last 30 days versus the previous period.

Global Institutional Holdings in Citizens & Northern

BlackRock Inc
7.26%
Vanguard Group Inc
5.36%
Dimensional Fund Advisors, Inc.
3.57%
Geode Capital Management, LLC
2.24%
Citizens & Northern Corp
2.13%
State Street Corp
2.00%

Analyst Recommendation on Citizens & Northern

Hold

0%Buy

57%Hold

42%Sell

Based on 7 Wall street analysts offering stock ratings for Citizens & Northern(by analysts ranked 0 to 5 stars)

Based on 7 analyst

Current
1M Ago
3M Ago

Buy

Hold

Sell

Analyst Forecast on Citizens & Northern

What analysts predicted

Upside of 6.23%

Current:

$20.24

Target:

$21.50

Insights on Citizens & Northern

Price Movement
In the last 7 days, CZNC stock has moved down by -1.5%
Increasing Revenue
Revenue is up for the last 5 quarters, 25.64M → 40.22M (in $), with an average increase of 9.9% per quarter
Increasing Net Profit
Netprofit is up for the last 4 quarters, 4.26M → 6.36M (in $), with an average increase of 12.3% per quarter
CZNC vs MFG (1 yr)
In the last 1 year, Mizuho Financial Group, Inc. has given 48.3% return, outperforming this stock by 50.5%
CZNC vs MFG (3 yr)
In the last 3 years, Mizuho Financial Group, Inc. has given 99.2% return, outperforming this stock by 119.2%
Price to Sales
ForCZNC every $1 of sales, investors are willing to pay $3.0, whereas for Mizuho Financial Group, Inc., the investors are paying $0.0 for every $1 of sales.

Citizens & Northern Financials in INR & Dollars

	FY18	Y/Y Change
Revenue	$66.0M	↑ 15.67%
Net Income	$22.0M	↑ 63.86%
Net Profit Margin	33.34%	↑ 9.8%

	FY19	Y/Y Change
Revenue	$72.7M	↑ 10.11%
Net Income	$19.5M	↓ 11.4%
Net Profit Margin	26.83%	↓ 6.51%

	FY20	Y/Y Change
Revenue	$90.8M	↑ 24.98%
Net Income	$19.2M	↓ 1.45%
Net Profit Margin	21.16%	↓ 5.67%

	FY21	Y/Y Change
Revenue	$103.8M	↑ 14.28%
Net Income	$30.6M	↑ 58.95%
Net Profit Margin	29.43%	↑ 8.27%

	FY22	Y/Y Change
Revenue	$106.0M	↑ 2.06%
Net Income	$26.6M	↓ 12.88%
Net Profit Margin	25.12%	↓ 4.31%

	FY23	Y/Y Change
Revenue	$104.6M	↓ 1.25%
Net Income	$24.1M	↓ 9.28%
Net Profit Margin	23.08%	↓ 2.04%

	Q2 FY23	Q/Q Change
Revenue	$26.6M	↑ 0.77%
Net Income	$6.0M	↓ 3.36%
Net Profit Margin	22.72%	↓ 0.97%

	Q3 FY23	Q/Q Change
Revenue	$25.6M	↓ 3.58%
Net Income	$7.6M	↑ 25.62%
Net Profit Margin	29.6%	↑ 6.88%

	Q4 FY23	Q/Q Change
Revenue	$35.9M	↑ 40.03%
Net Income	$4.3M	↓ 43.87%
Net Profit Margin	11.86%	↓ 17.74%

	Q1 FY24	Q/Q Change
Revenue	$37.0M	↑ 3.08%
Net Income	$5.3M	↑ 24.52%
Net Profit Margin	14.33%	↑ 2.47%

	Q2 FY24	Q/Q Change
Revenue	$39.2M	↑ 5.86%
Net Income	$6.1M	↑ 15.21%
Net Profit Margin	15.6%	↑ 1.27%

	Q3 FY24	Q/Q Change
Revenue	$40.2M	↑ 2.63%
Net Income	$6.4M	↑ 4.12%
Net Profit Margin	15.83%	↑ 0.23%

	FY18	Y/Y Change
Total Assets	$1.3B	↑ 1.09%
Total Liabilities	$1.1B	↑ 0.46%

	FY19	Y/Y Change
Total Assets	$1.7B	↑ 28.14%
Total Liabilities	$1.4B	↑ 28.91%

	FY20	Y/Y Change
Total Assets	$2.2B	↑ 35.36%
Total Liabilities	$1.9B	↑ 37.57%

	FY21	Y/Y Change
Total Assets	$2.3B	↑ 3.95%
Total Liabilities	$2.0B	↑ 4.48%

	FY22	Y/Y Change
Total Assets	$2.5B	↑ 5.44%
Total Liabilities	$2.2B	↑ 8.82%

	FY23	Y/Y Change
Total Assets	$2.5B	↑ 2.5%
Total Liabilities	$2.3B	↑ 2.19%

	Q2 FY23	Q/Q Change
Total Assets	$2.5B	↑ 1.68%
Total Liabilities	$186.2M	↓ 91.44%

	Q3 FY23	Q/Q Change
Total Assets	$2.5B	↑ 0.53%
Total Liabilities	$188.0M	↑ 1.01%

	Q4 FY23	Q/Q Change
Total Assets	$2.5B	↑ 1.39%
Total Liabilities	$2.3B	↑ 1099.79%

	Q1 FY24	Q/Q Change
Total Assets	$2.5B	↑ 0.23%
Total Liabilities	$2.3B	↑ 0.29%

	Q2 FY24	Q/Q Change
Total Assets	$2.6B	↑ 2.83%
Total Liabilities	$2.3B	↑ 3.09%

	Q3 FY24	Q/Q Change
Total Assets	$2.7B	↑ 2.89%
Total Liabilities	$2.4B	↑ 2.61%

	FY18	Y/Y Change
Operating Cash Flow	$25.9M	↑ 33.64%
Investing Cash Flow	$-21.6M	↓ 29.95%
Financing Cash Flow	$-8.4M	↓ 142.29%

	FY19	Y/Y Change
Operating Cash Flow	$22.5M	↓ 13.25%
Investing Cash Flow	$22.7M	↓ 204.71%
Financing Cash Flow	$-46.8M	↑ 456.16%

	FY20	Y/Y Change
Operating Cash Flow	$24.8M	↑ 10.34%
Investing Cash Flow	$96.6M	↑ 326.06%
Financing Cash Flow	$-56.5M	↑ 20.57%

	FY21	Y/Y Change
Operating Cash Flow	$34.8M	↑ 40.59%
Investing Cash Flow	$-103.9M	↓ 207.57%
Financing Cash Flow	$68.9M	↓ 221.98%

	FY22	Y/Y Change
Operating Cash Flow	$34.6M	↓ 0.7%
Investing Cash Flow	$-234.7M	↑ 125.89%
Financing Cash Flow	$151.9M	↑ 120.58%

	Q2 FY23	Q/Q Change
Operating Cash Flow	$7.8M	↓ 18.38%
Investing Cash Flow	$-47.9M	↓ 280.69%
Financing Cash Flow	$40.2M	↓ 206.67%

Citizens & Northern Technicals Summary

Sell

Neutral

Buy

Citizens & Northern is currently in a neutral trading position according to technical analysis indicators.

Citizens & Northern Vs Peers

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Citizens & Northern Corp	-2.93%	19.06%	-4.71%	-19.33%	-24.9%
Icici Bank Ltd.	4.14%	19.78%	26.33%	58.73%	105.33%
Pnc Financial Services Group, Inc.	-3.63%	34.02%	39.0%	3.65%	27.91%
U.s. Bancorp	1.1%	30.72%	20.78%	-9.68%	-15.4%
Truist Financial Corp	-2.14%	25.58%	28.66%	-21.28%	-18.78%
Mizuho Financial Group, Inc.	13.08%	30.1%	46.13%	101.58%	61.9%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Citizens & Northern Corp	14.38	14.06	0.0	1.61	0.09	0.01	0.05	17.99
Icici Bank Ltd.	19.79	19.79	0.0	1.36	0.19	0.02	0.01	397.44
Pnc Financial Services Group, Inc.	17.27	17.27	2.04	13.4	0.1	0.01	0.03	124.56
U.s. Bancorp	15.87	15.87	1.25	3.91	0.1	0.01	0.04	33.35
Truist Financial Corp	8.99	NA	1.94	3.68	-0.1	-0.01	0.04	44.46
Mizuho Financial Group, Inc.	11.72	11.72	1.07	1.14	0.07	0.0	0.03	4037.29

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Citizens & Northern Corp	Hold	$319.1M	-24.9%	14.38	21.63%
Icici Bank Ltd.	Buy	$109.7B	105.33%	19.79	28.91%
Pnc Financial Services Group, Inc.	Buy	$81.1B	27.91%	17.27	25.11%
U.s. Bancorp	Hold	$80.5B	-15.4%	15.87	22.02%
Truist Financial Corp	Buy	$62.1B	-18.78%	8.99	-10.68%
Mizuho Financial Group, Inc.	Buy	$64.6B	61.9%	11.72	21.91%

About Citizens & Northern

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
Employees	404
CEO	Mr. J. Bradley Scovill
Industry	Finance

Management People of Citizens & Northern

Name	Title
Mr. J. Bradley Scovill	President, CEO & Director
Mr. Harold F. Hoose III	EVP and Chief Revenue Officer of Citizens & Northern Bank
Mr. Stan R. Dunsmore	EVP and Chief Credit Officer of Citizens & Northern Bank
Mr. Blair T. Rush	EVP and Southeast Region President of Citizens & Northern Bank
Mr. Mark A. Hughes	Treasurer
Mr. Thomas L. Rudy Jr.	EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank
Ms. Kelley A. Cwiklinski	Executive VP & Chief Commercial Lending Officer
Mr. Philip Prough CFP, CIMA	Senior VP & Chief Investment Strategist
Ms. Shelley L. D'Haene	Executive VP and Chief Digital Channels & Payments Officer
Mr. Ryan Satalin	Senior Vice President & Regional Commercial Lending Executive

Important FAQs about investing in Citizens & Northern from India :

What is Citizens & Northern share price today?

Citizens & Northern (CZNC) share price today is $20.24.

Can Indians buy Citizens & Northern shares?

Yes, Indians can invest in the Citizens & Northern (CZNC) from India.

With INDmoney, you can buy Citizens & Northern at 0 brokerage. The step-by-step process is as follows:

Open your zero cost US Stocks account and zero balance IND linked savings a/c (this can be done in less than 3 minutes)
Transfer funds to your US Stocks account using your IND linked savings a/c (It takes 24 hours excluding Saturday and Sunday). With INDmoney, you get the best INR USD exchange rates.
Once funds are transferred successfully, you can buy Citizens & Northern at zero transaction cost.

How can I buy Citizens & Northern shares from India?

It is very easy to buy Citizens & Northern from India. With INDmoney, you can open a US stocks account in less than 3 minutes. Transfer funds in 24 hours and buy stocks very easily - that too at 0 brokerage. All this is done at 0 account opening & management fee, 0 brokerages, and at the same time you get the best rupee-US dollar exchange rate.

Can Fractional shares of Citizens & Northern be purchased?

Yes, you can buy fractional shares of Citizens & Northern with INDmoney app.

What are the documents required to start investing in Citizens & Northern stocks?

To start investing in Citizens & Northern, You will need the following documents:

Proof of Identification (PAN, Aadhaar etc)
Proof of address (Aadhaar, Voter ID etc)

These documents are required as per RBI's guidelines to create your IND linked savings a/c so that you can execute for global fund transfer. The entire process is paperless and can be completed seamlessly.