$20.76
Insights on Citizens & Northern Corp
Revenue is down for the last 2 quarters, 26.60M → 25.64M (in $), with an average decrease of 3.6% per quarter
Netprofit is up for the last 2 quarters, 6.04M → 7.59M (in $), with an average increase of 20.4% per quarter
In the last 1 year, Itaú Unibanco Holding S.a. has given 30.8% return, outperforming this stock by 45.7%
In the last 3 years, Icici Bank Ltd. has given 8.8% return, outperforming this stock by 0.2%
0.19%
Downside
Day's Volatility :1.33%
Upside
1.14%
23.99%
Downside
52 Weeks Volatility :29.01%
Upside
6.61%
Period | Citizens & Northern Corp | Sector (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% |
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 |
What analysts predicted
Downside of 6.07%
FY17 | Y/Y Change | |
---|---|---|
Revenue | 57.1M | ↑ 2.03% |
Net Income | 13.4M | ↓ 14.77% |
Net Profit Margin | 23.54% | ↓ 4.64% |
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% |
Q2 FY22 | Q/Q Change | |
---|---|---|
Revenue | 26.1M | ↑ 6698.7% |
Net Income | 7.5M | ↑ 8.61% |
Net Profit Margin | 28.69% | ↓ 1766.88% |
Q3 FY22 | Q/Q Change | |
---|---|---|
Revenue | 26.2M | ↑ 0.18% |
Net Income | 4.5M | ↓ 40.51% |
Net Profit Margin | 17.03% | ↓ 11.66% |
Q4 FY22 | Q/Q Change | |
---|---|---|
Revenue | 27.9M | ↑ 6.79% |
Net Income | 7.8M | ↑ 74.61% |
Net Profit Margin | 27.85% | ↑ 10.82% |
Q1 FY23 | Q/Q Change | |
---|---|---|
Revenue | 26.4M | ↓ 5.48% |
Net Income | 6.3M | ↓ 19.62% |
Net Profit Margin | 23.69% | ↓ 4.16% |
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% |
FY17 | Y/Y Change | |
---|---|---|
Total Assets | 1.3B | ↑ 2.79% |
Total Liabilities | 1.1B | ↑ 3.05% |
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% |
Q2 FY22 | Q/Q Change | |
---|---|---|
Total Assets | 2.4B | ↑ 3.45% |
Total Liabilities | 2.2B | ↑ 4.77% |
Q3 FY22 | Q/Q Change | |
---|---|---|
Total Assets | 2.4B | ↓ 0.44% |
Total Liabilities | 2.2B | ↑ 0.43% |
Q4 FY22 | Q/Q Change | |
---|---|---|
Total Assets | 2.5B | ↑ 2.26% |
Total Liabilities | 2.2B | ↑ 2.02% |
Q1 FY23 | Q/Q Change | |
---|---|---|
Total Assets | 2.4B | ↓ 1.0% |
Total Liabilities | 2.2B | ↓ 1.39% |
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% |
FY17 | Y/Y Change | |
---|---|---|
Operating Cash Flow | 19.4M | ↑ 4.67% |
Investing Cash Flow | -30.9M | ↑ 5.12% |
Financing Cash Flow | 19.9M | ↑ 221.35% |
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 FY22 | Q/Q Change | |
---|---|---|
Operating Cash Flow | 8.4M | ↑ 48.18% |
Investing Cash Flow | -142.4M | ↑ 685.97% |
Financing Cash Flow | 89.1M | ↑ 307.59% |
Q3 FY22 | Q/Q Change | |
---|---|---|
Operating Cash Flow | 12.5M | ↑ 49.65% |
Investing Cash Flow | -19.7M | ↓ 86.16% |
Financing Cash Flow | 2.3M | ↓ 97.43% |
Q4 FY22 | Q/Q Change | |
---|---|---|
Operating Cash Flow | 8.1M | ↓ 35.66% |
Investing Cash Flow | -54.4M | ↑ 176.2% |
Financing Cash Flow | 38.6M | ↑ 1584.95% |
Q1 FY23 | Q/Q Change | |
---|---|---|
Operating Cash Flow | 9.5M | ↑ 18.5% |
Investing Cash Flow | 26.5M | ↓ 148.69% |
Financing Cash Flow | -37.6M | ↓ 197.42% |
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% |
Sell
Neutral
Buy
Citizens & Northern Corp is currently in a favorable trading position ( BUY ) according to technical analysis indicators.
Company Name | 1 Month | 6 Month | 1 Year | 3 Years | 5 Years |
---|---|---|---|---|---|
![]() Citizens & Northern Corp | 8.63% | 4.85% | -14.92% | 7.9% | -18.17% |
![]() Icici Bank Ltd. | 6.7% | 6.05% | 7.98% | 74.7% | 145.17% |
![]() Pnc Financial Services Group, Inc. | 14.08% | 9.72% | -8.69% | -2.22% | 7.23% |
![]() U.s. Bancorp | 11.71% | 20.75% | -8.24% | -12.05% | -24.72% |
![]() Truist Financial Corp | 7.84% | 0.3% | -20.86% | -30.74% | -31.14% |
![]() Itaú Unibanco Holding S.a. | 12.94% | 17.24% | 30.77% | 7.67% | -29.78% |
Company Name | P/E Ratio | P/B Ratio | PEG Ratio | EPS | ROE | ROA | Div Yield | BVPS |
---|---|---|---|---|---|---|---|---|
![]() Citizens & Northern Corp | 11.41 | 11.41 | 0.0 | 1.68 | 0.12 | 0.01 | 0.05 | 15.73 |
![]() Icici Bank Ltd. | 17.95 | 17.95 | 0.0 | 1.08 | 0.19 | 0.02 | 0.01 | 331.35 |
![]() Pnc Financial Services Group, Inc. | 9.65 | 9.65 | 7.18 | 13.75 | 0.13 | 0.01 | 0.04 | 105.98 |
![]() U.s. Bancorp | 11.86 | 11.86 | 2.68 | 4.31 | 0.11 | 0.01 | 0.05 | 29.74 |
![]() Truist Financial Corp | 8.36 | 8.36 | 0.88 | 3.76 | 0.09 | 0.01 | 0.06 | 41.37 |
![]() Itaú Unibanco Holding S.a. | 9.6 | 9.6 | 0.9 | 0.73 | 0.18 | 0.01 | 0.03 | 18.73 |
Company Name | Analyst View | Market Cap | 5 Years Return % | PE Ratio | Profit Margin |
---|---|---|---|---|---|
![]() Citizens & Northern Corp | Hold | $320.8M | -18.17% | 11.41 | 25.99% |
![]() Icici Bank Ltd. | Buy | $85.0B | 145.17% | 17.95 | 30.56% |
![]() Pnc Financial Services Group, Inc. | Buy | $55.4B | 7.23% | 9.65 | 29.76% |
![]() U.s. Bancorp | Buy | $61.9B | -24.72% | 11.86 | 22.39% |
![]() Truist Financial Corp | Hold | $44.4B | -31.14% | 8.36 | 25.94% |
![]() Itaú Unibanco Holding S.a. | Buy | $62.1B | -29.78% | 9.6 | 26.26% |
BlackRock Inc
Vanguard Group Inc
Dimensional Fund Advisors, Inc.
Citizens & Northern Corp
Geode Capital Management, LLC
State Street Corporation
In the quarter ending March,2023. Citizens & Northern Corp has declared dividend of $0.28
Read Morefounded 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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