Citizens & Northern Corp (CZNC)

$18.48

+0.12

(+0.65%)▲

Market is closed - opens 7 PM, 04 Oct 2024

Performance

  • $18.30
    $18.67
    $18.48
    downward going graph

    0.97%

    Downside

    Day's Volatility :1.96%

    Upside

    0.99%

    downward going graph
  • $16.50
    $23.50
    $18.48
    downward going graph

    10.71%

    Downside

    52 Weeks Volatility :29.79%

    Upside

    21.36%

    downward going graph

Returns

PeriodCitizens & Northern CorpSector (Financials)Index (Russel 2000)
3 Months
14.28%
9.1%
0.0%
6 Months
12.07%
8.8%
0.0%
1 Year
12.39%
40.0%
0.0%
3 Years
-22.36%
18.8%
-21.1%

Highlights

Market Capitalization
305.2M
Book Value
$17.12
Dividend Share
1.12
Dividend Yield
5.69%
Earnings Per Share (EPS)
1.5
PE Ratio
13.13
PEG Ratio
0.0
Wall Street Target Price
20.0
Profit Margin
22.55%
Operating Margin TTM
27.98%
Return On Assets TTM
0.92%
Return On Equity TTM
9.1%
Revenue TTM
103.2M
Revenue Per Share TTM
6.79
Quarterly Revenue Growth YOY
2.1%
Gross Profit TTM
100.3M
Diluted Eps TTM
1.5
Quarterly Earnings Growth YOY
0.02
EPS Estimate Current Year
1.66
EPS Estimate Next Year
1.8
EPS Estimate Current Quarter
0.39
EPS Estimate Next Quarter
0.45

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

Upside of 8.23%

Current $18.48
Target $20.00

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%
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%
Q2 FY24Q/Q Change
Revenue
39.2M
↑ 5.86%
Net Income
6.1M
↑ 15.21%
Net Profit Margin
15.6%
↑ 1.27%
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%
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%
Q2 FY24Q/Q Change
Total Assets
2.6B
↑ 2.83%
Total Liabilities
2.3B
↑ 3.09%
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%
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 not in a favorable trading position ( SELL ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens & Northern Corp
Citizens & Northern Corp
1.76%
12.07%
12.39%
-22.36%
-22.57%
Nu Holdings Ltd.
Nu Holdings Ltd.
-8.02%
14.61%
99.56%
32.14%
32.14%
Icici Bank Ltd.
Icici Bank Ltd.
1.22%
16.24%
32.37%
59.28%
150.63%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
0.19%
17.63%
54.32%
-6.68%
35.19%
U.s. Bancorp
U.s. Bancorp
-1.42%
6.08%
45.92%
-24.45%
-13.8%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
1.53%
1.06%
29.38%
49.44%
-17.19%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens & Northern Corp
Citizens & Northern Corp
13.13
13.13
0.0
1.66
0.09
0.01
0.06
17.12
Nu Holdings Ltd.
Nu Holdings Ltd.
44.74
44.74
NA
0.43
0.24
0.04
NA
1.45
Icici Bank Ltd.
Icici Bank Ltd.
20.38
20.38
0.0
1.36
0.18
0.02
0.01
387.52
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
15.48
15.48
3.88
13.17
0.1
0.01
0.04
116.71
U.s. Bancorp
U.s. Bancorp
14.44
14.44
1.13
3.9
0.1
0.01
0.04
31.79
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.83
9.83
1.18
0.79
0.19
0.01
0.02
19.79
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens & Northern Corp
Citizens & Northern Corp
Hold
$305.2M
-22.57%
13.13
22.55%
Nu Holdings Ltd.
Nu Holdings Ltd.
Buy
$66.4B
32.14%
44.74
31.18%
Icici Bank Ltd.
Icici Bank Ltd.
Buy
$108.7B
150.63%
20.38
26.87%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
Buy
$73.5B
35.19%
15.48
25.53%
U.s. Bancorp
U.s. Bancorp
Hold
$71.0B
-13.8%
14.44
21.08%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
Buy
$61.2B
-17.19%
9.83
27.97%

Insights on Citizens & Northern Corp

  • Increasing Revenue

    Revenue is up for the last 4 quarters, 25.64M → 39.18M (in $), with an average increase of 12.4% per quarter

  • Increasing Net Profit

    Netprofit is up for the last 3 quarters, 4.26M → 6.11M (in $), with an average increase of 16.5% per quarter

  • Vs NU

    In the last 1 year, Nu Holdings Ltd. has given 99.6% return, outperforming this stock by 87.2%

Institutional Holdings

  • BlackRock Inc

    7.27%

  • Vanguard Group Inc

    5.13%

  • Dimensional Fund Advisors, Inc.

    3.49%

  • Geode Capital Management, LLC

    2.22%

  • Citizens & Northern Corp

    2.14%

  • State Street Corp

    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

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