Citizens & Northern Corp (CZNC)

$20.11

+0.63

(+3.23%)

Market is closed - opens 7 PM, 23 Jul 2024

Performance

  • $19.34
    $20.25
    $20.11
    downward going graph

    3.83%

    Downside

    Day's Volatility :4.47%

    Upside

    0.67%

    downward going graph
  • $15.47
    $22.15
    $20.11
    downward going graph

    23.07%

    Downside

    52 Weeks Volatility :30.16%

    Upside

    9.21%

    downward going graph

Returns

PeriodCitizens & Northern CorpSector (Financials)Index (Russel 2000)
3 Months
8.34%
4.8%
0.0%
6 Months
-3.28%
12.4%
0.0%
1 Year
-8.07%
21.5%
0.0%
3 Years
-20.94%
18.4%
-19.6%

Highlights

Market Capitalization
299.5M
Book Value
$17.16
Dividend Share
0.0
Dividend Yield
5.68%
Earnings Per Share (EPS)
1.52
PE Ratio
12.82
PEG Ratio
0.0
Wall Street Target Price
19.0
Profit Margin
22.6%
Operating Margin TTM
26.08%
Return On Assets TTM
0.94%
Return On Equity TTM
8.97%
Revenue TTM
102.6M
Revenue Per Share TTM
6.75
Quarterly Revenue Growth YOY
-7.3999999999999995%
Gross Profit TTM
100.3M
Diluted Eps TTM
1.52
Quarterly Earnings Growth YOY
-0.13
EPS Estimate Current Year
1.62
EPS Estimate Next Year
1.8
EPS Estimate Current Quarter
0.34
EPS Estimate Next Quarter
0.0

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 5.52%

Current $20.11
Target $19.00

Company Financials

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%
FY23Y/Y Change
Revenue
137.9M
↑ 30.16%
Net Income
24.1M
↓ 9.28%
Net Profit Margin
17.51%
↓ 7.61%
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%
Q4 FY23Q/Q Change
Revenue
35.9M
↑ 40.03%
Net Income
4.3M
↓ 43.87%
Net Profit Margin
11.86%
↓ 17.74%
Q1 FY24Q/Q Change
Revenue
37.0M
↑ 3.08%
Net Income
5.3M
↑ 24.52%
Net Profit Margin
14.33%
↑ 2.47%
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%
FY23Y/Y Change
Total Assets
2.5B
↑ 2.61%
Total Liabilities
2.3B
↑ 2.31%
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%
Q4 FY23Q/Q Change
Total Assets
2.5B
↑ 1.39%
Total Liabilities
2.3B
↑ 1099.79%
Q1 FY24Q/Q Change
Total Assets
2.5B
↑ 0.23%
Total Liabilities
2.3B
↑ 0.29%
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%
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.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens & Northern Corp
Citizens & Northern Corp
14.12%
-3.28%
-8.07%
-20.94%
-22.48%
Nu Holdings Ltd.
Nu Holdings Ltd.
13.58%
51.01%
71.37%
30.4%
30.4%
Icici Bank Ltd.
Icici Bank Ltd.
4.3%
19.94%
19.89%
66.76%
148.31%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
13.31%
17.45%
29.43%
-3.42%
25.75%
U.s. Bancorp
U.s. Bancorp
10.38%
7.13%
14.01%
-19.8%
-19.1%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
1.82%
-4.95%
2.68%
33.46%
-37.66%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens & Northern Corp
Citizens & Northern Corp
12.82
12.82
0.0
1.62
0.09
0.01
0.06
17.16
Nu Holdings Ltd.
Nu Holdings Ltd.
50.42
50.42
NA
0.41
0.21
0.03
NA
1.42
Icici Bank Ltd.
Icici Bank Ltd.
19.85
19.85
0.0
1.36
0.19
0.02
0.01
364.7
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
14.75
14.75
3.46
13.11
0.1
0.01
0.04
132.41
U.s. Bancorp
U.s. Bancorp
14.07
14.07
1.14
3.88
0.1
0.01
0.04
31.8
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.25
9.25
0.86
0.81
0.19
0.01
0.03
18.93
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens & Northern Corp
Citizens & Northern Corp
Hold
$299.5M
-22.48%
12.82
22.6%
Nu Holdings Ltd.
Nu Holdings Ltd.
Buy
$62.8B
30.4%
50.42
29.67%
Icici Bank Ltd.
Icici Bank Ltd.
Buy
$105.0B
148.31%
19.85
27.97%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
Buy
$70.0B
25.75%
14.75
25.53%
U.s. Bancorp
U.s. Bancorp
Hold
$69.2B
-19.1%
14.07
21.08%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
Buy
$60.7B
-37.66%
9.25
27.36%

Insights on Citizens & Northern Corp

  • Increasing Revenue

    Revenue is up for the last 3 quarters, 25.64M → 37.02M (in $), with an average increase of 15.8% per quarter

  • Increasing Net Profit

    Netprofit is up for the last 2 quarters, 4.26M → 5.30M (in $), with an average increase of 19.7% per quarter

  • Vs NU

    In the last 1 year, Nu Holdings Ltd. has given 70.1% return, outperforming this stock by 74.7%

Institutional Holdings

  • BlackRock Inc

    7.20%
  • Vanguard Group Inc

    4.83%
  • Dimensional Fund Advisors, Inc.

    3.49%
  • Geode Capital Management, LLC

    2.17%
  • Citizens & Northern Corp

    2.00%
  • State Street Corporation

    1.99%

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
404
CEO
Mr. J. Bradley Scovill
Industry
Finance

FAQs