View ValuationCitizens & Northern 将来の成長Future 基準チェック /36Citizens & Northern は収益が増加すると予測されています。EPS は、年間 増加すると予測されています49%。主要情報51.7%収益成長率49.02%EPS成長率Banks 収益成長8.2%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジLow最終更新日06 May 2026今後の成長に関する最新情報Price Target Changed • Feb 28Price target increased by 9.0% to US$24.25Up from US$22.25, the current price target is an average from 2 analysts. New target price is 8.0% above last closing price of US$22.46. Stock is up 5.2% over the past year. The company is forecast to post earnings per share of US$2.52 for next year compared to US$1.46 last year.Major Estimate Revision • Jan 30Consensus EPS estimates increase by 12%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$111.1m to US$113.8m. EPS estimate increased from US$1.80 to US$2.02 per share. Net income forecast to grow 20% next year vs 10% growth forecast for Banks industry in the US. Consensus price target of US$21.00 unchanged from last update. Share price rose 11% to US$21.41 over the past week.Price Target Changed • Dec 02Price target increased by 7.5% to US$21.50Up from US$20.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$20.74. Stock is down 1.2% over the past year. The company is forecast to post earnings per share of US$1.61 for next year compared to US$1.57 last year.Price Target Changed • Oct 21Price target increased by 11% to US$21.00Up from US$19.00, the current price target is provided by 1 analyst. New target price is 11% above last closing price of US$18.95. Stock is up 11% over the past year. The company is forecast to post earnings per share of US$1.60 for next year compared to US$1.57 last year.Price Target Changed • Apr 29Price target decreased by 9.3% to US$19.50Down from US$21.50, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$17.16. Stock is down 9.1% over the past year. The company is forecast to post earnings per share of US$1.59 for next year compared to US$1.57 last year.Price Target Changed • Jan 10Price target increased by 10% to US$21.50Up from US$19.50, the current price target is an average from 2 analysts. New target price is 5.4% above last closing price of US$20.39. Stock is down 9.8% over the past year. The company is forecast to post earnings per share of US$1.65 for next year compared to US$1.71 last year.すべての更新を表示Recent updatesNew Risk • May 06New major risk - Revenue and earnings growthEarnings have declined by 3.8% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 3.8% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (107% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (15% net profit margin). Shareholders have been diluted in the past year (16% increase in shares outstanding).Buy Or Sell Opportunity • May 04Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 7.9% to US$21.53. The fair value is estimated to be US$27.50, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.7% over the last 3 years. Earnings per share has declined by 4.8%.Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.015 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.015 (down from US$0.41 in 1Q 2025). Revenue: US$23.0m (down 14% from 1Q 2025). Net income: US$273.0k (down 96% from 1Q 2025). Profit margin: 1.2% (down from 23% in 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.New Risk • May 01New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 108% Current dividend yield: 5.0% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (108% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (15% net profit margin). Shareholders have been diluted in the past year (16% increase in shares outstanding).New Risk • Apr 30New major risk - Revenue and earnings growthEarnings have declined by 2.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 2.4% per year over the past 5 years. Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (16% increase in shares outstanding).Declared Dividend • Apr 27Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 4th May 2026 Payment date: 15th May 2026 Dividend yield will be 4.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (77% payout ratio) and is expected to be covered in 3 years' time (44% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 64% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 09Citizens & Northern Corporation, Annual General Meeting, Apr 23, 2026Citizens & Northern Corporation, Annual General Meeting, Apr 23, 2026.Reported Earnings • Mar 09Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$1.46 (down from US$1.69 in FY 2024). Revenue: US$116.6m (up 9.9% from FY 2024). Net income: US$23.2m (down 9.7% from FY 2024). Profit margin: 20% (down from 24% in FY 2024). Net interest margin (NIM): 3.61% (up from 3.30% in FY 2024). Non-performing loans: 1.40% (up from 1.26% in FY 2024). Revenue missed analyst estimates by 8.3%. Earnings per share (EPS) also missed analyst estimates by 20%. Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 8.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has increased by 2% per year.Price Target Changed • Feb 28Price target increased by 9.0% to US$24.25Up from US$22.25, the current price target is an average from 2 analysts. New target price is 8.0% above last closing price of US$22.46. Stock is up 5.2% over the past year. The company is forecast to post earnings per share of US$2.52 for next year compared to US$1.46 last year.分析記事 • Jan 31Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 13th of February. Based on this...Declared Dividend • Jan 30Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 2nd February 2026 Payment date: 13th February 2026 Dividend yield will be 4.9%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (77% payout ratio) and is expected to be covered in 3 years' time (42% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 63% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 29Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$1.47 (down from US$1.69 in FY 2024). Revenue: US$116.6m (up 9.9% from FY 2024). Net income: US$23.4m (down 9.0% from FY 2024). Profit margin: 20% (down from 24% in FY 2024). Net interest margin (NIM): 3.61% (up from 3.30% in FY 2024). Non-performing loans: 1.40% (up from 1.26% in FY 2024). Revenue missed analyst estimates by 8.3%. Earnings per share (EPS) also missed analyst estimates by 20%. Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 8.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has fallen by 2% per year.お知らせ • Jan 29Citizens & Northern Corporation Reports Net Charge-Offs for the Fourth Quarter 2025Citizens & Northern Corporation reported net charge-offs for the fourth quarter 2025. For the period, net charge-offs totaled $884,000 or 0.15% (annualized) of average loans receivable compared to net charge-offs of $94,000 or 0.02% (annualized) of average loans receivable in the third quarter 2025.お知らせ • Jan 23Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on February 13, 2026On January 22, 2026, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 13, 2026 to shareholders of record as of February 2, 2026.New Risk • Nov 09New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 15% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.分析記事 • Oct 28Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 14th of November. The dividend...Declared Dividend • Oct 27Third quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd November 2025 Payment date: 14th November 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (64% payout ratio) and is expected to be covered in 3 years' time (44% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 43% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Oct 24Third quarter 2025 earnings: EPS and revenues miss analyst expectationsThird quarter 2025 results: EPS: US$0.42 (up from US$0.41 in 3Q 2024). Revenue: US$27.4m (up 5.1% from 3Q 2024). Net income: US$6.50m (up 3.0% from 3Q 2024). Profit margin: 24% (in line with 3Q 2024). Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 18%. Revenue is forecast to grow 6.2% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.お知らせ • Oct 24+ 1 more updateCitizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on November 14, 2025On October 23, 2025, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on November 14, 2025 to shareholders of record as of November 3, 2025.お知らせ • Oct 02Citizens & Northern Corporation (NasdaqCM:CZNC) completed the acquisition of Susquehanna Community Financial, Inc. (OTCPK:SQCF).Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million on April 23, 2025. The consideration consists of common equity of Citizens & Northern Corporation at a ratio of 0.8 per common equity of Susquehanna Community Financial, Inc. Sell side termination fee is approximately $1.78 million. Following closing, Susquehanna Community Financial stockholders will own approximately 13% of Citizens & Northern's outstanding shares of common stock. Chris Trate, current SQCF Board Chairman, will join the C&N and C&N Bank boards of directors. In addition, Dave Runk will become a member of the C&N Bank executive team as EVP and Strategic Advisor, and Jeffrey Hollenbach, President and Chief Operating Officer at Susquehanna, has agreed to lead the Susquehanna market as Region President. The merger is expected to be approximately 17% accretive to earnings per share in 2026, while resulting in single-digit tangible book value dilution at close. The transaction is expected to have cost saving estimated at 30% of Susquehanna’s non-interest expense, phased 75% in 2025 and $6.6 million of pretax merger expense. The transaction is subject to approval by regulatory approval, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders and registration statement effectiveness. The deal has been unanimously approved by the board of both companies. The transaction is expected to close in the 4th quarter of 2025. Piper Sandler & Co. served as financial advisor to C&N and Kimberley J. Decker of Barley Snyder served as C&N’s legal counsel. Janney Montgomery Scott LLC served as financial advisor and fairness opinion provider to SQCF and Kenneth J. Rollins of Pillar+Aught served as SQCF’s legal counsel. Equiniti Trust Company, LLC acted as transfer agent to Citizens & Northern Corporation. Laurel Hill Advisory Group, LLC acted as proxy solicitor to Susquehanna Community Financial and will be paid a fee of $7,500. Citizens & Northern Corporation (NasdaqCM:CZNC) completed the acquisition of Susquehanna Community Financial, Inc. (OTCPK:SQCF) on October 1, 2025. David S. Runk, Chief Executive Officer of Susquehanna and Susquehanna Bank, and Jeffrey G. Hollenbach, President and Chief Operating Officer of Susquehanna and Susquehanna Bank, will join the C&N team as Executive Vice President and Strategic Advisor and Executive Vice President and Region President.お知らせ • Sep 12Citizens & Northern Bank and Citizens & Northern Corporation Announces the Retirement of Susan E. Hartley as Director, Effective September 8, 2025Citizens & Northern Corporation on September 8, 2025, Susan E. Hartley, a director and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), advised the Board of Directors of her intent to retire as a director of the Corporation and the Bank, effective September 8, 2025, to focus on health matters.分析記事 • Jul 28Citizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 15th of...Declared Dividend • Jul 28Second quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 4th August 2025 Payment date: 15th August 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 11% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Jul 26Citizens & Northern Corporation announces Quarterly dividend, payable on August 15, 2025Citizens & Northern Corporation announced Quarterly dividend of USD 0.2800 per share payable on August 15, 2025, ex-date on August 04, 2025 and record date on August 04, 2025.Reported Earnings • Jul 25Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.40 (up from US$0.40 in 2Q 2024). Revenue: US$26.9m (flat on 2Q 2024). Net income: US$6.12m (flat on 2Q 2024). Profit margin: 23% (in line with 2Q 2024). Revenue missed analyst estimates by 2.8%. Earnings per share (EPS) also missed analyst estimates by 15%. Revenue is forecast to grow 5.9% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 8% per year, which means it is performing significantly worse than earnings.分析記事 • May 01Citizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...Declared Dividend • Apr 30First quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 2nd May 2025 Payment date: 15th May 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 6.2% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 26Citizens & Northern Corporation Appoints Chris Trate to the Board of DirectorsOn April 23, 2025, Wellsboro, PA-based Citizens & Northern Corporation, parent company of Citizens & Northern Bank, and West Milton, PA-based Susquehanna Community Financial Inc., parent company of Susquehanna Community Bank, jointly announced that they had entered into a definitive agreement pursuant to which Susquehanna Community Financial Inc. would merge with and into Citizens & Northern Corporation, and Susquehanna Community Bank would merge with and into Citizens & Northern Bank. Under the agreement, Chris Trate, current SQCF Board Chairman, would be appointed to C&N's board of directors.Reported Earnings • Apr 25First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: EPS: US$0.41 (up from US$0.35 in 1Q 2024). Revenue: US$26.7m (up 8.0% from 1Q 2024). Net income: US$6.24m (up 19% from 1Q 2024). Profit margin: 23% (up from 21% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 2.6%. Earnings per share (EPS) also missed analyst estimates by 6.8%. Revenue is forecast to grow 4.2% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has fallen by 7% per year.お知らせ • Apr 25Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million.Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million on April 23, 2025. The consideration consists of common equity of Citizens & Northern Corporation at a ratio of 0.8 per common equity of Susquehanna Community Financial, Inc. Sell side termination fee is approximately $1.78 million. The transaction is subject to approval by regulatory approval, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders and registration statement effectiveness. The deal has been unanimously approved by the board of both companies. The transaction is expected to close in the 4th quarter of 2025. Piper Sandler & Co. served as financial advisor to C&N and Kimberley J. Decker of Barley Snyder served as C&N’s legal counsel. Janney Montgomery Scott LLC served as financial advisor and fairness opinion provider to SQCF and Kenneth J. Rollins of Pillar+Aught served as SQCF’s legal counsel. Equiniti Trust Company, LLC acted as transfer agent to Citizens & Northern Corporation.お知らせ • Mar 17Citizens & Northern Corporation, Annual General Meeting, Apr 24, 2025Citizens & Northern Corporation, Annual General Meeting, Apr 24, 2025.Reported Earnings • Mar 07Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: US$1.69 (up from US$1.57 in FY 2023). Revenue: US$106.1m (up 1.4% from FY 2023). Net income: US$25.7m (up 7.4% from FY 2023). Profit margin: 24% (up from 23% in FY 2023). Net interest margin (NIM): 3.30% (down from 3.47% in FY 2023). Non-performing loans: 1.26% (up from 0.99% in FY 2023). Revenue exceeded analyst estimates by 4.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 7.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 6% per year.Major Estimate Revision • Jan 30Consensus EPS estimates increase by 12%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$111.1m to US$113.8m. EPS estimate increased from US$1.80 to US$2.02 per share. Net income forecast to grow 20% next year vs 10% growth forecast for Banks industry in the US. Consensus price target of US$21.00 unchanged from last update. Share price rose 11% to US$21.41 over the past week.Declared Dividend • Jan 27Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd February 2025 Payment date: 14th February 2025 Dividend yield will be 5.4%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (66% payout ratio) and is expected to be covered in 3 years' time (56% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 18% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 24Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: US$1.70 (up from US$1.57 in FY 2023). Revenue: US$106.1m (up 1.4% from FY 2023). Net income: US$26.0m (up 8.3% from FY 2023). Profit margin: 25% (up from 23% in FY 2023). Revenue exceeded analyst estimates by 4.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 6% per year.お知らせ • Jan 24Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on February 14, 2025On January 23, 2025, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 14, 2025 to shareholders of record as of February 3, 2025.Price Target Changed • Dec 02Price target increased by 7.5% to US$21.50Up from US$20.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$20.74. Stock is down 1.2% over the past year. The company is forecast to post earnings per share of US$1.61 for next year compared to US$1.57 last year.分析記事 • Oct 24Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 8th of...Declared Dividend • Oct 24Third quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 28th October 2024 Payment date: 8th November 2024 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (78% payout ratio) and is expected to be covered in 3 years' time (60% forecast payout ratio). The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 24% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Price Target Changed • Oct 21Price target increased by 11% to US$21.00Up from US$19.00, the current price target is provided by 1 analyst. New target price is 11% above last closing price of US$18.95. Stock is up 11% over the past year. The company is forecast to post earnings per share of US$1.60 for next year compared to US$1.57 last year.Reported Earnings • Oct 18Third quarter 2024 earnings released: EPS: US$0.41 (vs US$0.50 in 3Q 2023)Third quarter 2024 results: EPS: US$0.41 (down from US$0.50 in 3Q 2023). Revenue: US$26.1m (down 4.7% from 3Q 2023). Net income: US$6.31m (down 16% from 3Q 2023). Profit margin: 24% (down from 28% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 9% per year and the company’s share price has also fallen by 9% per year.お知らせ • Oct 18+ 1 more updateCitizens & Northern Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Citizens & Northern Corporation reported net charge-offs for the third quarter ended September 30, 2024. The company's net charge-offs was $1,237,000 against $38,000 a year ago.分析記事 • Jul 23Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the 9th...お知らせ • Jul 23Citizens & Northern Corporation Introduces MoneyarmorCitizens & Northern Corporation has introduced MoneyArmor. This comprehensive fraud and cybersecurity program is designed to empower businesses and individuals of all ages with the tools and knowledge to safeguard their finances and navigate the digital landscape with confidence. Additional key features include: Fraud Detection and Prevention: Advanced monitoring systems and real-time threat detection safeguard your accounts against unauthorized activity. Personalized Education: Tailored training and resources to address varying levels of digital literacy and fraud awareness, empowering users to identify and avoid common scams. Community Engagement: Initiatives that promote collaboration and education about online safety best practices foster a collective defense against fraud.Declared Dividend • Jul 22Second quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 29th July 2024 Payment date: 9th August 2024 Dividend yield will be 5.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 12% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.40 (vs US$0.39 in 2Q 2023)Second quarter 2024 results: EPS: US$0.40 (up from US$0.39 in 2Q 2023). Revenue: US$26.7m (up 2.1% from 2Q 2023). Net income: US$6.07m (up 1.2% from 2Q 2023). Profit margin: 23% (in line with 2Q 2023). Over the last 3 years on average, earnings per share has fallen by 6% per year whereas the company’s share price has fallen by 8% per year.Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 21%After last week's 21% share price gain to US$20.74, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 12x in the Banks industry in the US. Total loss to shareholders of 2.9% over the past three years.Board Change • May 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Kate Shattuck was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.分析記事 • May 01Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the...Price Target Changed • Apr 29Price target decreased by 9.3% to US$19.50Down from US$21.50, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$17.16. Stock is down 9.1% over the past year. The company is forecast to post earnings per share of US$1.59 for next year compared to US$1.57 last year.Declared Dividend • Apr 29First quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd May 2024 Payment date: 17th May 2024 Dividend yield will be 6.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 8.7% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Apr 27First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.40 in 1Q 2023)First quarter 2024 results: EPS: US$0.35 (down from US$0.40 in 1Q 2023). Revenue: US$24.8m (down 7.4% from 1Q 2023). Net income: US$5.27m (down 15% from 1Q 2023). Profit margin: 21% (down from 23% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 6.2% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has fallen by 10% per year, which means it is performing significantly worse than earnings.お知らせ • Mar 16Citizens & Northern Corporation, Annual General Meeting, Apr 25, 2024Citizens & Northern Corporation, Annual General Meeting, Apr 25, 2024, at 14:00 US Eastern Standard Time. Agenda: To elect four (4) Class I directors to serve for a term of three (3) years; to ratify the appointment of Baker Tilly US, LLP as the Corporation’s independent registered public accounting firm for the year ending December 31, 2024; and to consider other matters.Reported Earnings • Mar 12Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2023 results: EPS: US$1.57 (down from US$1.71 in FY 2022). Revenue: US$104.6m (up 4.3% from FY 2022). Net income: US$24.0m (down 9.2% from FY 2022). Profit margin: 23% (down from 26% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (down from 3.77% in FY 2022). Cost-to-income ratio: 69.5% (up from 62.5% in FY 2022). Non-performing loans: 0.99% (down from 1.46% in FY 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) missed analyst estimates by 4.6%. Revenue is forecast to grow 4.5% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.Reported Earnings • Jan 19Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2023 results: EPS: US$1.57 (down from US$1.71 in FY 2022). Revenue: US$104.6m (up 4.3% from FY 2022). Net income: US$24.0m (down 9.2% from FY 2022). Profit margin: 23% (down from 26% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (down from 3.77% in FY 2022). Cost-to-income ratio: 69.5% (up from 62.5% in FY 2022). Non-performing loans: 0.99% (down from 1.46% in FY 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) missed analyst estimates by 4.6%. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has remained flat.お知らせ • Jan 19Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on February 9, 2024On January 18, 2024, Citizens & Northern Corporation's board of directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 9, 2024 to shareholders of record as of January 29, 2024.Price Target Changed • Jan 10Price target increased by 10% to US$21.50Up from US$19.50, the current price target is an average from 2 analysts. New target price is 5.4% above last closing price of US$20.39. Stock is down 9.8% over the past year. The company is forecast to post earnings per share of US$1.65 for next year compared to US$1.71 last year.Buying Opportunity • Dec 28Now 21% undervaluedOver the last 90 days, the stock is up 31%. The fair value is estimated to be US$28.96, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.3% over the last 3 years. Earnings per share has grown by 6.6%. Revenue is forecast to grow by 3.8% in 2 years. Earnings is forecast to decline by 7.7% in the next 2 years.分析記事 • Oct 26Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...Price Target Changed • Oct 22Price target decreased by 11% to US$19.50Down from US$22.00, the current price target is an average from 2 analysts. New target price is 9.7% above last closing price of US$17.78. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$1.68 for next year compared to US$1.71 last year.Reported Earnings • Oct 20Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2023 results: EPS: US$0.50 (up from US$0.29 in 3Q 2022). Revenue: US$27.4m (up 20% from 3Q 2022). Net income: US$7.59m (up 72% from 3Q 2022). Profit margin: 28% (up from 19% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 2.3%. Earnings per share (EPS) exceeded analyst estimates by 27%. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 4.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.お知らせ • Oct 20+ 1 more updateCitizens & Northern Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2023Citizens & Northern Corporation reported net charge-offs for the third quarter ended September 30, 2023. For the period, the company reported net charge-offs of $38,000.Price Target Changed • Sep 25Price target decreased by 8.7% to US$21.00Down from US$23.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$17.84. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$1.57 for next year compared to US$1.71 last year.分析記事 • Jul 27Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 11th of...お知らせ • Jul 23+ 1 more updateCitizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on August 11, 2023On July 20, 2023, Citizens & Northern Corporation's Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on August 11, 2023 to shareholders of record as of July 31, 2023.Reported Earnings • Jul 21Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$0.39 (down from US$0.48 in 2Q 2022). Revenue: US$26.2m (flat on 2Q 2022). Net income: US$6.00m (down 19% from 2Q 2022). Profit margin: 23% (down from 28% in 2Q 2022). Revenue exceeded analyst estimates by 1.5%. Earnings per share (EPS) also surpassed analyst estimates by 5.4%. Revenue is forecast to grow 4.4% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 3% per year.Buying Opportunity • Jul 21Now 22% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be US$26.17, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.4% over the last 3 years. Earnings per share has grown by 6.9%. Revenue is forecast to grow by 5.9% in a year. Earnings is forecast to decline by 3.4% in the next year.Major Estimate Revision • Apr 27Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$111.7m to US$106.9m. EPS estimate also fell from US$1.83 per share to US$1.59 per share. Net income forecast to shrink 4.2% next year vs 2.8% decline forecast for Banks industry in the US. Consensus price target down from US$23.00 to US$21.00. Share price fell 7.0% to US$19.20 over the past week.分析記事 • Apr 25Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...Reported Earnings • Mar 18Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.71 (down from US$1.92 in FY 2021). Revenue: US$100.3m (flat on FY 2021). Net income: US$26.4m (down 13% from FY 2021). Profit margin: 26% (down from 30% in FY 2021). Net interest margin (NIM): 3.77% (up from 3.69% in FY 2021). Cost-to-income ratio: 62.5% (up from 59.5% in FY 2021). Non-performing loans: 1.46% (up from 1.36% in FY 2021). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) also surpassed analyst estimates by 1.2%. Revenue is forecast to grow 8.3% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 7% per year.Buying Opportunity • Mar 10Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 8.6%. The fair value is estimated to be US$27.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 11%. Revenue is forecast to grow by 18% in 2 years. Earnings is forecast to grow by 17% in the next 2 years.お知らせ • Feb 18+ 1 more updateCitizens & Northern Corporation and Citizens & Northern Bank Announce Retirement of Timothy E. Schoener as Director, Effective April 20, 2023On February 16, 2023, Timothy E. Schoener, a director of Citizens & Northern Corporation (the Corporation) and Citizens & Northern Bank (the Bank), advised the Board of Directors of his intent to retire as a director of the Corporation and the Bank, effective as of the Corporation’s 2023 Annual Meeting of Shareholders on April 20, 2023.分析記事 • Feb 01Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the...お知らせ • Jan 28Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on February 14, 2023On January 19, 2023, Citizens & Northern Corporation's Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 14, 2023 to shareholders of record as of February 3, 2023.Reported Earnings • Jan 28Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.71 (down from US$1.92 in FY 2021). Revenue: US$100.3m (flat on FY 2021). Net income: US$26.4m (down 13% from FY 2021). Profit margin: 26% (down from 30% in FY 2021). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) also surpassed analyst estimates by 1.2%. Revenue is forecast to grow 8.3% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.分析記事 • Oct 25Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 11th of...Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.29 (vs US$0.47 in 3Q 2021)Third quarter 2022 results: EPS: US$0.29 (down from US$0.47 in 3Q 2021). Revenue: US$22.8m (down 6.4% from 3Q 2021). Net income: US$4.42m (down 40% from 3Q 2021). Profit margin: 19% (down from 30% in 3Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.お知らせ • Oct 21Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on November 11, 2022Citizens & Northern Corporation declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on November 11, 2022 to shareholders of record as of October 31, 2022.Seeking Alpha • Jul 28Citizens & Northern Corporation goes ex-dividend tomorrowCitizens & Northern Corporation (NASDAQ:CZNC) had declared $0.28/share quarterly dividend, in line with previous. Payable Aug. 12; for shareholders of record Aug. 1; ex-div July 29. See CZNC Dividend Scorecard, Yield Chart, & Dividend Growth.分析記事 • Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 12th of August. The dividend yield...Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.48 (vs US$0.44 in 2Q 2021)Second quarter 2022 results: EPS: US$0.48 (up from US$0.44 in 2Q 2021). Revenue: US$26.1m (up 7.9% from 2Q 2021). Net income: US$7.42m (up 6.0% from 2Q 2021). Profit margin: 28% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.Buying Opportunity • Jun 28Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 4.2%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.6% in a year. Earnings is forecast to grow by 1.5% in the next year.Buying Opportunity • Jun 09Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.9%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.Buying Opportunity • May 19Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 6.1%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.Buying Opportunity • Apr 29Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 6.9%. The fair value is estimated to be US$29.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.Reported Earnings • Apr 27First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.44 (down from US$0.55 in 1Q 2021). Revenue: US$25.3m (down 5.0% from 1Q 2021). Net income: US$6.84m (down 22% from 1Q 2021). Profit margin: 27% (down from 33% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Revenue exceeded analyst estimates by 4.3%. Earnings per share (EPS) also surpassed analyst estimates by 10.0%. Over the next year, revenue is forecast to grow 8.5%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.分析記事 • Apr 25Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28Citizens & Northern Corporation's ( NASDAQ:CZNC ) investors are due to receive a payment of US$0.28 per share on 13th...Reported Earnings • Apr 22First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.44 (down from US$0.55 in 1Q 2021). Revenue: US$25.3m (down 5.0% from 1Q 2021). Net income: US$6.90m (down 21% from 1Q 2021). Profit margin: 27% (down from 33% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Revenue exceeded analyst estimates by 4.3%. Earnings per share (EPS) also surpassed analyst estimates by 10.0%. Over the next year, revenue is forecast to grow 5.7%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.お知らせ • Apr 22Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on May 13, 2022Citizens & Northern Corporation declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on May 13, 2022 to shareholders of record as of May 2, 2022.Buying Opportunity • Mar 18Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.2%. The fair value is estimated to be US$31.05, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has been flat over the last 3 years.Buying Opportunity • Mar 01Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 4.2%. The fair value is estimated to be US$30.51, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has been flat over the last 3 years.Reported Earnings • Feb 25Full year 2021 earnings: EPS misses analyst expectationsFull year 2021 results: EPS: US$1.92 (up from US$1.30 in FY 2020). Revenue: US$100.2m (up 14% from FY 2020). Net income: US$30.3m (up 59% from FY 2020). Profit margin: 30% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.69% (no change from 3.69% in FY 2020). Cost-to-income ratio: 59.5% (down from 59.9% in FY 2020). Non-performing loans: 1.36% (down from 1.42% in FY 2020). Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 1.5%. Over the next year, revenue is forecast to grow 2.5%, compared to a 5.4% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 2% per year.お知らせ • Feb 19Citizens & Northern Corporation Announces Retirement of Clark S. Frame as DirectorOn February 18, 2022, Clark S. Frame, a director of Citizens & Northern Corporation (the "Corporation") and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), communicated to the Board of Directors his intent to retire as a director of the Corporation, effective March 17, 2022.Seeking Alpha • Feb 16Citizens & Northern: Avoid Until Better ExecutionShares are fully priced from a P/E and P/TBV perspective. Operating expenses increased faster than shareholders' returns. Confusing M&A execution using dilutive cash as a purchase price consideration.業績と収益の成長予測NasdaqCM:CZNC - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/2026113173839N/A12/31/2025117233032N/A9/30/2025110273233N/A6/30/2025108272729N/A3/31/2025108272729N/A12/31/2024106263133N/A9/30/2024102222629N/A6/30/2024103232731N/A3/31/2024103232730N/A12/31/2023105243134N/A9/30/2023106273234N/A6/30/2023102243638N/A3/31/2023102263639N/A12/31/2022100263135N/A9/30/202299263336N/A6/30/2022101293033N/A3/31/202299283235N/A12/31/2021100303335N/A9/30/2021101303435N/A6/30/2021101253334N/A3/31/202196242426N/A12/31/202088192225N/A9/30/202081181721N/A6/30/202075201721N/A3/31/202074182024N/A12/31/20197319N/A22N/A9/30/20197120N/A24N/A6/30/20196920N/A21N/A3/31/20196723N/A22N/A12/31/20186522N/A26N/A9/30/20186418N/A23N/A6/30/20186217N/A24N/A3/31/20185914N/A22N/A12/31/20175813N/A19N/A9/30/20175716N/A20N/A6/30/20175716N/A18N/A3/31/20175616N/A19N/A12/31/20165616N/A19N/A9/30/20165716N/A18N/A6/30/20165716N/A18N/A3/31/20165816N/A20N/A12/31/20155716N/A20N/A9/30/20155617N/A21N/A6/30/20155717N/A19N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: CZNCの予測収益成長率 (年間51.7% ) は 貯蓄率 ( 3.5% ) を上回っています。収益対市場: CZNCの収益 ( 51.7% ) はUS市場 ( 16.8% ) よりも速いペースで成長すると予測されています。高成長収益: CZNCの収益は今後 3 年間で 大幅に 増加すると予想されています。収益対市場: CZNCの収益がUS市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: CZNCの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: CZNCの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/24 16:12終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Citizens & Northern Corporation 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。3 アナリスト機関Daniel CardenasBrean Capital Historical (Janney Montgomery)Gregory ZingonePiper Sandler CompaniesLongdley ZephirinZephirin Group, Inc.
Price Target Changed • Feb 28Price target increased by 9.0% to US$24.25Up from US$22.25, the current price target is an average from 2 analysts. New target price is 8.0% above last closing price of US$22.46. Stock is up 5.2% over the past year. The company is forecast to post earnings per share of US$2.52 for next year compared to US$1.46 last year.
Major Estimate Revision • Jan 30Consensus EPS estimates increase by 12%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$111.1m to US$113.8m. EPS estimate increased from US$1.80 to US$2.02 per share. Net income forecast to grow 20% next year vs 10% growth forecast for Banks industry in the US. Consensus price target of US$21.00 unchanged from last update. Share price rose 11% to US$21.41 over the past week.
Price Target Changed • Dec 02Price target increased by 7.5% to US$21.50Up from US$20.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$20.74. Stock is down 1.2% over the past year. The company is forecast to post earnings per share of US$1.61 for next year compared to US$1.57 last year.
Price Target Changed • Oct 21Price target increased by 11% to US$21.00Up from US$19.00, the current price target is provided by 1 analyst. New target price is 11% above last closing price of US$18.95. Stock is up 11% over the past year. The company is forecast to post earnings per share of US$1.60 for next year compared to US$1.57 last year.
Price Target Changed • Apr 29Price target decreased by 9.3% to US$19.50Down from US$21.50, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$17.16. Stock is down 9.1% over the past year. The company is forecast to post earnings per share of US$1.59 for next year compared to US$1.57 last year.
Price Target Changed • Jan 10Price target increased by 10% to US$21.50Up from US$19.50, the current price target is an average from 2 analysts. New target price is 5.4% above last closing price of US$20.39. Stock is down 9.8% over the past year. The company is forecast to post earnings per share of US$1.65 for next year compared to US$1.71 last year.
New Risk • May 06New major risk - Revenue and earnings growthEarnings have declined by 3.8% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 3.8% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (107% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (15% net profit margin). Shareholders have been diluted in the past year (16% increase in shares outstanding).
Buy Or Sell Opportunity • May 04Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 7.9% to US$21.53. The fair value is estimated to be US$27.50, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.7% over the last 3 years. Earnings per share has declined by 4.8%.
Reported Earnings • May 01First quarter 2026 earnings released: EPS: US$0.015 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.015 (down from US$0.41 in 1Q 2025). Revenue: US$23.0m (down 14% from 1Q 2025). Net income: US$273.0k (down 96% from 1Q 2025). Profit margin: 1.2% (down from 23% in 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
New Risk • May 01New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 108% Current dividend yield: 5.0% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (108% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (15% net profit margin). Shareholders have been diluted in the past year (16% increase in shares outstanding).
New Risk • Apr 30New major risk - Revenue and earnings growthEarnings have declined by 2.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 2.4% per year over the past 5 years. Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (16% increase in shares outstanding).
Declared Dividend • Apr 27Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 4th May 2026 Payment date: 15th May 2026 Dividend yield will be 4.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (77% payout ratio) and is expected to be covered in 3 years' time (44% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 64% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 09Citizens & Northern Corporation, Annual General Meeting, Apr 23, 2026Citizens & Northern Corporation, Annual General Meeting, Apr 23, 2026.
Reported Earnings • Mar 09Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$1.46 (down from US$1.69 in FY 2024). Revenue: US$116.6m (up 9.9% from FY 2024). Net income: US$23.2m (down 9.7% from FY 2024). Profit margin: 20% (down from 24% in FY 2024). Net interest margin (NIM): 3.61% (up from 3.30% in FY 2024). Non-performing loans: 1.40% (up from 1.26% in FY 2024). Revenue missed analyst estimates by 8.3%. Earnings per share (EPS) also missed analyst estimates by 20%. Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 8.8% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has increased by 2% per year.
Price Target Changed • Feb 28Price target increased by 9.0% to US$24.25Up from US$22.25, the current price target is an average from 2 analysts. New target price is 8.0% above last closing price of US$22.46. Stock is up 5.2% over the past year. The company is forecast to post earnings per share of US$2.52 for next year compared to US$1.46 last year.
分析記事 • Jan 31Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 13th of February. Based on this...
Declared Dividend • Jan 30Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 2nd February 2026 Payment date: 13th February 2026 Dividend yield will be 4.9%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (77% payout ratio) and is expected to be covered in 3 years' time (42% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 63% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 29Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$1.47 (down from US$1.69 in FY 2024). Revenue: US$116.6m (up 9.9% from FY 2024). Net income: US$23.4m (down 9.0% from FY 2024). Profit margin: 20% (down from 24% in FY 2024). Net interest margin (NIM): 3.61% (up from 3.30% in FY 2024). Non-performing loans: 1.40% (up from 1.26% in FY 2024). Revenue missed analyst estimates by 8.3%. Earnings per share (EPS) also missed analyst estimates by 20%. Revenue is forecast to grow 13% p.a. on average during the next 2 years, compared to a 8.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 1% per year whereas the company’s share price has fallen by 2% per year.
お知らせ • Jan 29Citizens & Northern Corporation Reports Net Charge-Offs for the Fourth Quarter 2025Citizens & Northern Corporation reported net charge-offs for the fourth quarter 2025. For the period, net charge-offs totaled $884,000 or 0.15% (annualized) of average loans receivable compared to net charge-offs of $94,000 or 0.02% (annualized) of average loans receivable in the third quarter 2025.
お知らせ • Jan 23Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on February 13, 2026On January 22, 2026, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 13, 2026 to shareholders of record as of February 2, 2026.
New Risk • Nov 09New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 15% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.
分析記事 • Oct 28Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 14th of November. The dividend...
Declared Dividend • Oct 27Third quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd November 2025 Payment date: 14th November 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (64% payout ratio) and is expected to be covered in 3 years' time (44% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 43% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Oct 24Third quarter 2025 earnings: EPS and revenues miss analyst expectationsThird quarter 2025 results: EPS: US$0.42 (up from US$0.41 in 3Q 2024). Revenue: US$27.4m (up 5.1% from 3Q 2024). Net income: US$6.50m (up 3.0% from 3Q 2024). Profit margin: 24% (in line with 3Q 2024). Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 18%. Revenue is forecast to grow 6.2% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
お知らせ • Oct 24+ 1 more updateCitizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on November 14, 2025On October 23, 2025, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on November 14, 2025 to shareholders of record as of November 3, 2025.
お知らせ • Oct 02Citizens & Northern Corporation (NasdaqCM:CZNC) completed the acquisition of Susquehanna Community Financial, Inc. (OTCPK:SQCF).Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million on April 23, 2025. The consideration consists of common equity of Citizens & Northern Corporation at a ratio of 0.8 per common equity of Susquehanna Community Financial, Inc. Sell side termination fee is approximately $1.78 million. Following closing, Susquehanna Community Financial stockholders will own approximately 13% of Citizens & Northern's outstanding shares of common stock. Chris Trate, current SQCF Board Chairman, will join the C&N and C&N Bank boards of directors. In addition, Dave Runk will become a member of the C&N Bank executive team as EVP and Strategic Advisor, and Jeffrey Hollenbach, President and Chief Operating Officer at Susquehanna, has agreed to lead the Susquehanna market as Region President. The merger is expected to be approximately 17% accretive to earnings per share in 2026, while resulting in single-digit tangible book value dilution at close. The transaction is expected to have cost saving estimated at 30% of Susquehanna’s non-interest expense, phased 75% in 2025 and $6.6 million of pretax merger expense. The transaction is subject to approval by regulatory approval, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders and registration statement effectiveness. The deal has been unanimously approved by the board of both companies. The transaction is expected to close in the 4th quarter of 2025. Piper Sandler & Co. served as financial advisor to C&N and Kimberley J. Decker of Barley Snyder served as C&N’s legal counsel. Janney Montgomery Scott LLC served as financial advisor and fairness opinion provider to SQCF and Kenneth J. Rollins of Pillar+Aught served as SQCF’s legal counsel. Equiniti Trust Company, LLC acted as transfer agent to Citizens & Northern Corporation. Laurel Hill Advisory Group, LLC acted as proxy solicitor to Susquehanna Community Financial and will be paid a fee of $7,500. Citizens & Northern Corporation (NasdaqCM:CZNC) completed the acquisition of Susquehanna Community Financial, Inc. (OTCPK:SQCF) on October 1, 2025. David S. Runk, Chief Executive Officer of Susquehanna and Susquehanna Bank, and Jeffrey G. Hollenbach, President and Chief Operating Officer of Susquehanna and Susquehanna Bank, will join the C&N team as Executive Vice President and Strategic Advisor and Executive Vice President and Region President.
お知らせ • Sep 12Citizens & Northern Bank and Citizens & Northern Corporation Announces the Retirement of Susan E. Hartley as Director, Effective September 8, 2025Citizens & Northern Corporation on September 8, 2025, Susan E. Hartley, a director and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), advised the Board of Directors of her intent to retire as a director of the Corporation and the Bank, effective September 8, 2025, to focus on health matters.
分析記事 • Jul 28Citizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 15th of...
Declared Dividend • Jul 28Second quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 4th August 2025 Payment date: 15th August 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 11% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Jul 26Citizens & Northern Corporation announces Quarterly dividend, payable on August 15, 2025Citizens & Northern Corporation announced Quarterly dividend of USD 0.2800 per share payable on August 15, 2025, ex-date on August 04, 2025 and record date on August 04, 2025.
Reported Earnings • Jul 25Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.40 (up from US$0.40 in 2Q 2024). Revenue: US$26.9m (flat on 2Q 2024). Net income: US$6.12m (flat on 2Q 2024). Profit margin: 23% (in line with 2Q 2024). Revenue missed analyst estimates by 2.8%. Earnings per share (EPS) also missed analyst estimates by 15%. Revenue is forecast to grow 5.9% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has fallen by 8% per year, which means it is performing significantly worse than earnings.
分析記事 • May 01Citizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...
Declared Dividend • Apr 30First quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 2nd May 2025 Payment date: 15th May 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 6.2% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 26Citizens & Northern Corporation Appoints Chris Trate to the Board of DirectorsOn April 23, 2025, Wellsboro, PA-based Citizens & Northern Corporation, parent company of Citizens & Northern Bank, and West Milton, PA-based Susquehanna Community Financial Inc., parent company of Susquehanna Community Bank, jointly announced that they had entered into a definitive agreement pursuant to which Susquehanna Community Financial Inc. would merge with and into Citizens & Northern Corporation, and Susquehanna Community Bank would merge with and into Citizens & Northern Bank. Under the agreement, Chris Trate, current SQCF Board Chairman, would be appointed to C&N's board of directors.
Reported Earnings • Apr 25First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: EPS: US$0.41 (up from US$0.35 in 1Q 2024). Revenue: US$26.7m (up 8.0% from 1Q 2024). Net income: US$6.24m (up 19% from 1Q 2024). Profit margin: 23% (up from 21% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 2.6%. Earnings per share (EPS) also missed analyst estimates by 6.8%. Revenue is forecast to grow 4.2% p.a. on average during the next 2 years, compared to a 6.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has fallen by 7% per year.
お知らせ • Apr 25Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million.Citizens & Northern Corporation (NasdaqCM:CZNC) entered into an Agreement and Plan of Merger to acquire Susquehanna Community Financial, Inc. (OTCPK:SQCF) for $44.3 million on April 23, 2025. The consideration consists of common equity of Citizens & Northern Corporation at a ratio of 0.8 per common equity of Susquehanna Community Financial, Inc. Sell side termination fee is approximately $1.78 million. The transaction is subject to approval by regulatory approval, approval of merger agreement by target board, approval of offer by acquirer board, approval of offer by target shareholders and registration statement effectiveness. The deal has been unanimously approved by the board of both companies. The transaction is expected to close in the 4th quarter of 2025. Piper Sandler & Co. served as financial advisor to C&N and Kimberley J. Decker of Barley Snyder served as C&N’s legal counsel. Janney Montgomery Scott LLC served as financial advisor and fairness opinion provider to SQCF and Kenneth J. Rollins of Pillar+Aught served as SQCF’s legal counsel. Equiniti Trust Company, LLC acted as transfer agent to Citizens & Northern Corporation.
お知らせ • Mar 17Citizens & Northern Corporation, Annual General Meeting, Apr 24, 2025Citizens & Northern Corporation, Annual General Meeting, Apr 24, 2025.
Reported Earnings • Mar 07Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: US$1.69 (up from US$1.57 in FY 2023). Revenue: US$106.1m (up 1.4% from FY 2023). Net income: US$25.7m (up 7.4% from FY 2023). Profit margin: 24% (up from 23% in FY 2023). Net interest margin (NIM): 3.30% (down from 3.47% in FY 2023). Non-performing loans: 1.26% (up from 0.99% in FY 2023). Revenue exceeded analyst estimates by 4.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 7.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 6% per year.
Major Estimate Revision • Jan 30Consensus EPS estimates increase by 12%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$111.1m to US$113.8m. EPS estimate increased from US$1.80 to US$2.02 per share. Net income forecast to grow 20% next year vs 10% growth forecast for Banks industry in the US. Consensus price target of US$21.00 unchanged from last update. Share price rose 11% to US$21.41 over the past week.
Declared Dividend • Jan 27Fourth quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd February 2025 Payment date: 14th February 2025 Dividend yield will be 5.4%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (66% payout ratio) and is expected to be covered in 3 years' time (56% forecast payout ratio). The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 18% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 24Full year 2024 earnings: EPS and revenues exceed analyst expectationsFull year 2024 results: EPS: US$1.70 (up from US$1.57 in FY 2023). Revenue: US$106.1m (up 1.4% from FY 2023). Net income: US$26.0m (up 8.3% from FY 2023). Profit margin: 25% (up from 23% in FY 2023). Revenue exceeded analyst estimates by 4.6%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 5.3% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 6% per year.
お知らせ • Jan 24Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on February 14, 2025On January 23, 2025, Citizens & Northern Corporation’s Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 14, 2025 to shareholders of record as of February 3, 2025.
Price Target Changed • Dec 02Price target increased by 7.5% to US$21.50Up from US$20.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$20.74. Stock is down 1.2% over the past year. The company is forecast to post earnings per share of US$1.61 for next year compared to US$1.57 last year.
分析記事 • Oct 24Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 8th of...
Declared Dividend • Oct 24Third quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 28th October 2024 Payment date: 8th November 2024 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is covered by earnings (78% payout ratio) and is expected to be covered in 3 years' time (60% forecast payout ratio). The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 24% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Price Target Changed • Oct 21Price target increased by 11% to US$21.00Up from US$19.00, the current price target is provided by 1 analyst. New target price is 11% above last closing price of US$18.95. Stock is up 11% over the past year. The company is forecast to post earnings per share of US$1.60 for next year compared to US$1.57 last year.
Reported Earnings • Oct 18Third quarter 2024 earnings released: EPS: US$0.41 (vs US$0.50 in 3Q 2023)Third quarter 2024 results: EPS: US$0.41 (down from US$0.50 in 3Q 2023). Revenue: US$26.1m (down 4.7% from 3Q 2023). Net income: US$6.31m (down 16% from 3Q 2023). Profit margin: 24% (down from 28% in 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 9% per year and the company’s share price has also fallen by 9% per year.
お知らせ • Oct 18+ 1 more updateCitizens & Northern Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2024Citizens & Northern Corporation reported net charge-offs for the third quarter ended September 30, 2024. The company's net charge-offs was $1,237,000 against $38,000 a year ago.
分析記事 • Jul 23Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the 9th...
お知らせ • Jul 23Citizens & Northern Corporation Introduces MoneyarmorCitizens & Northern Corporation has introduced MoneyArmor. This comprehensive fraud and cybersecurity program is designed to empower businesses and individuals of all ages with the tools and knowledge to safeguard their finances and navigate the digital landscape with confidence. Additional key features include: Fraud Detection and Prevention: Advanced monitoring systems and real-time threat detection safeguard your accounts against unauthorized activity. Personalized Education: Tailored training and resources to address varying levels of digital literacy and fraud awareness, empowering users to identify and avoid common scams. Community Engagement: Initiatives that promote collaboration and education about online safety best practices foster a collective defense against fraud.
Declared Dividend • Jul 22Second quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 29th July 2024 Payment date: 9th August 2024 Dividend yield will be 5.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 12% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.40 (vs US$0.39 in 2Q 2023)Second quarter 2024 results: EPS: US$0.40 (up from US$0.39 in 2Q 2023). Revenue: US$26.7m (up 2.1% from 2Q 2023). Net income: US$6.07m (up 1.2% from 2Q 2023). Profit margin: 23% (in line with 2Q 2023). Over the last 3 years on average, earnings per share has fallen by 6% per year whereas the company’s share price has fallen by 8% per year.
Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 21%After last week's 21% share price gain to US$20.74, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 12x in the Banks industry in the US. Total loss to shareholders of 2.9% over the past three years.
Board Change • May 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Kate Shattuck was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
分析記事 • May 01Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the...
Price Target Changed • Apr 29Price target decreased by 9.3% to US$19.50Down from US$21.50, the current price target is an average from 2 analysts. New target price is 14% above last closing price of US$17.16. Stock is down 9.1% over the past year. The company is forecast to post earnings per share of US$1.59 for next year compared to US$1.57 last year.
Declared Dividend • Apr 29First quarter dividend of US$0.28 announcedDividend of US$0.28 is the same as last year. Ex-date: 3rd May 2024 Payment date: 17th May 2024 Dividend yield will be 6.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 1.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 8.7% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Apr 27First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.40 in 1Q 2023)First quarter 2024 results: EPS: US$0.35 (down from US$0.40 in 1Q 2023). Revenue: US$24.8m (down 7.4% from 1Q 2023). Net income: US$5.27m (down 15% from 1Q 2023). Profit margin: 21% (down from 23% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 6.2% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has fallen by 10% per year, which means it is performing significantly worse than earnings.
お知らせ • Mar 16Citizens & Northern Corporation, Annual General Meeting, Apr 25, 2024Citizens & Northern Corporation, Annual General Meeting, Apr 25, 2024, at 14:00 US Eastern Standard Time. Agenda: To elect four (4) Class I directors to serve for a term of three (3) years; to ratify the appointment of Baker Tilly US, LLP as the Corporation’s independent registered public accounting firm for the year ending December 31, 2024; and to consider other matters.
Reported Earnings • Mar 12Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2023 results: EPS: US$1.57 (down from US$1.71 in FY 2022). Revenue: US$104.6m (up 4.3% from FY 2022). Net income: US$24.0m (down 9.2% from FY 2022). Profit margin: 23% (down from 26% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (down from 3.77% in FY 2022). Cost-to-income ratio: 69.5% (up from 62.5% in FY 2022). Non-performing loans: 0.99% (down from 1.46% in FY 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) missed analyst estimates by 4.6%. Revenue is forecast to grow 4.5% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
Reported Earnings • Jan 19Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behindFull year 2023 results: EPS: US$1.57 (down from US$1.71 in FY 2022). Revenue: US$104.6m (up 4.3% from FY 2022). Net income: US$24.0m (down 9.2% from FY 2022). Profit margin: 23% (down from 26% in FY 2022). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 3.47% (down from 3.77% in FY 2022). Cost-to-income ratio: 69.5% (up from 62.5% in FY 2022). Non-performing loans: 0.99% (down from 1.46% in FY 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) missed analyst estimates by 4.6%. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has remained flat.
お知らせ • Jan 19Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on February 9, 2024On January 18, 2024, Citizens & Northern Corporation's board of directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 9, 2024 to shareholders of record as of January 29, 2024.
Price Target Changed • Jan 10Price target increased by 10% to US$21.50Up from US$19.50, the current price target is an average from 2 analysts. New target price is 5.4% above last closing price of US$20.39. Stock is down 9.8% over the past year. The company is forecast to post earnings per share of US$1.65 for next year compared to US$1.71 last year.
Buying Opportunity • Dec 28Now 21% undervaluedOver the last 90 days, the stock is up 31%. The fair value is estimated to be US$28.96, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.3% over the last 3 years. Earnings per share has grown by 6.6%. Revenue is forecast to grow by 3.8% in 2 years. Earnings is forecast to decline by 7.7% in the next 2 years.
分析記事 • Oct 26Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...
Price Target Changed • Oct 22Price target decreased by 11% to US$19.50Down from US$22.00, the current price target is an average from 2 analysts. New target price is 9.7% above last closing price of US$17.78. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$1.68 for next year compared to US$1.71 last year.
Reported Earnings • Oct 20Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2023 results: EPS: US$0.50 (up from US$0.29 in 3Q 2022). Revenue: US$27.4m (up 20% from 3Q 2022). Net income: US$7.59m (up 72% from 3Q 2022). Profit margin: 28% (up from 19% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 2.3%. Earnings per share (EPS) exceeded analyst estimates by 27%. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 4.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
お知らせ • Oct 20+ 1 more updateCitizens & Northern Corporation Reports Net Charge-Offs for the Third Quarter Ended September 30, 2023Citizens & Northern Corporation reported net charge-offs for the third quarter ended September 30, 2023. For the period, the company reported net charge-offs of $38,000.
Price Target Changed • Sep 25Price target decreased by 8.7% to US$21.00Down from US$23.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$17.84. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$1.57 for next year compared to US$1.71 last year.
分析記事 • Jul 27Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 11th of...
お知らせ • Jul 23+ 1 more updateCitizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on August 11, 2023On July 20, 2023, Citizens & Northern Corporation's Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on August 11, 2023 to shareholders of record as of July 31, 2023.
Reported Earnings • Jul 21Second quarter 2023 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2023 results: EPS: US$0.39 (down from US$0.48 in 2Q 2022). Revenue: US$26.2m (flat on 2Q 2022). Net income: US$6.00m (down 19% from 2Q 2022). Profit margin: 23% (down from 28% in 2Q 2022). Revenue exceeded analyst estimates by 1.5%. Earnings per share (EPS) also surpassed analyst estimates by 5.4%. Revenue is forecast to grow 4.4% p.a. on average during the next 2 years, compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 3% per year.
Buying Opportunity • Jul 21Now 22% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be US$26.17, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 7.4% over the last 3 years. Earnings per share has grown by 6.9%. Revenue is forecast to grow by 5.9% in a year. Earnings is forecast to decline by 3.4% in the next year.
Major Estimate Revision • Apr 27Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$111.7m to US$106.9m. EPS estimate also fell from US$1.83 per share to US$1.59 per share. Net income forecast to shrink 4.2% next year vs 2.8% decline forecast for Banks industry in the US. Consensus price target down from US$23.00 to US$21.00. Share price fell 7.0% to US$19.20 over the past week.
分析記事 • Apr 25Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per...
Reported Earnings • Mar 18Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.71 (down from US$1.92 in FY 2021). Revenue: US$100.3m (flat on FY 2021). Net income: US$26.4m (down 13% from FY 2021). Profit margin: 26% (down from 30% in FY 2021). Net interest margin (NIM): 3.77% (up from 3.69% in FY 2021). Cost-to-income ratio: 62.5% (up from 59.5% in FY 2021). Non-performing loans: 1.46% (up from 1.36% in FY 2021). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) also surpassed analyst estimates by 1.2%. Revenue is forecast to grow 8.3% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 7% per year.
Buying Opportunity • Mar 10Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 8.6%. The fair value is estimated to be US$27.64, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 11%. Revenue is forecast to grow by 18% in 2 years. Earnings is forecast to grow by 17% in the next 2 years.
お知らせ • Feb 18+ 1 more updateCitizens & Northern Corporation and Citizens & Northern Bank Announce Retirement of Timothy E. Schoener as Director, Effective April 20, 2023On February 16, 2023, Timothy E. Schoener, a director of Citizens & Northern Corporation (the Corporation) and Citizens & Northern Bank (the Bank), advised the Board of Directors of his intent to retire as a director of the Corporation and the Bank, effective as of the Corporation’s 2023 Annual Meeting of Shareholders on April 20, 2023.
分析記事 • Feb 01Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the...
お知らせ • Jan 28Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on February 14, 2023On January 19, 2023, Citizens & Northern Corporation's Board of Directors declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on February 14, 2023 to shareholders of record as of February 3, 2023.
Reported Earnings • Jan 28Full year 2022 earnings: EPS and revenues exceed analyst expectationsFull year 2022 results: EPS: US$1.71 (down from US$1.92 in FY 2021). Revenue: US$100.3m (flat on FY 2021). Net income: US$26.4m (down 13% from FY 2021). Profit margin: 26% (down from 30% in FY 2021). Revenue exceeded analyst estimates by 1.7%. Earnings per share (EPS) also surpassed analyst estimates by 1.2%. Revenue is forecast to grow 8.3% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
分析記事 • Oct 25Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 11th of...
Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.29 (vs US$0.47 in 3Q 2021)Third quarter 2022 results: EPS: US$0.29 (down from US$0.47 in 3Q 2021). Revenue: US$22.8m (down 6.4% from 3Q 2021). Net income: US$4.42m (down 40% from 3Q 2021). Profit margin: 19% (down from 30% in 3Q 2021). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
お知らせ • Oct 21Citizens & Northern Corporation Declares Quarterly Cash Dividend, Payable on November 11, 2022Citizens & Northern Corporation declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on November 11, 2022 to shareholders of record as of October 31, 2022.
Seeking Alpha • Jul 28Citizens & Northern Corporation goes ex-dividend tomorrowCitizens & Northern Corporation (NASDAQ:CZNC) had declared $0.28/share quarterly dividend, in line with previous. Payable Aug. 12; for shareholders of record Aug. 1; ex-div July 29. See CZNC Dividend Scorecard, Yield Chart, & Dividend Growth.
分析記事 • Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 12th of August. The dividend yield...
Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.48 (vs US$0.44 in 2Q 2021)Second quarter 2022 results: EPS: US$0.48 (up from US$0.44 in 2Q 2021). Revenue: US$26.1m (up 7.9% from 2Q 2021). Net income: US$7.42m (up 6.0% from 2Q 2021). Profit margin: 28% (in line with 2Q 2021). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.
Buying Opportunity • Jun 28Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 4.2%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.6% in a year. Earnings is forecast to grow by 1.5% in the next year.
Buying Opportunity • Jun 09Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.9%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.
Buying Opportunity • May 19Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 6.1%. The fair value is estimated to be US$29.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.
Buying Opportunity • Apr 29Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 6.9%. The fair value is estimated to be US$29.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Earnings per share has grown by 5.0%. Revenue is forecast to grow by 8.5% in a year. Earnings is forecast to grow by 1.7% in the next year.
Reported Earnings • Apr 27First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.44 (down from US$0.55 in 1Q 2021). Revenue: US$25.3m (down 5.0% from 1Q 2021). Net income: US$6.84m (down 22% from 1Q 2021). Profit margin: 27% (down from 33% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Revenue exceeded analyst estimates by 4.3%. Earnings per share (EPS) also surpassed analyst estimates by 10.0%. Over the next year, revenue is forecast to grow 8.5%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
分析記事 • Apr 25Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28Citizens & Northern Corporation's ( NASDAQ:CZNC ) investors are due to receive a payment of US$0.28 per share on 13th...
Reported Earnings • Apr 22First quarter 2022 earnings: EPS and revenues exceed analyst expectationsFirst quarter 2022 results: EPS: US$0.44 (down from US$0.55 in 1Q 2021). Revenue: US$25.3m (down 5.0% from 1Q 2021). Net income: US$6.90m (down 21% from 1Q 2021). Profit margin: 27% (down from 33% in 1Q 2021). The decrease in margin was primarily driven by lower revenue. Revenue exceeded analyst estimates by 4.3%. Earnings per share (EPS) also surpassed analyst estimates by 10.0%. Over the next year, revenue is forecast to grow 5.7%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
お知らせ • Apr 22Citizens & Northern Corporation Declares Regular Quarterly Cash Dividend, Payable on May 13, 2022Citizens & Northern Corporation declared a regular quarterly cash dividend of $0.28 per share. The dividend is payable on May 13, 2022 to shareholders of record as of May 2, 2022.
Buying Opportunity • Mar 18Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 3.2%. The fair value is estimated to be US$31.05, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has been flat over the last 3 years.
Buying Opportunity • Mar 01Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 4.2%. The fair value is estimated to be US$30.51, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% per annum over the last 3 years. Earnings per share has been flat over the last 3 years.
Reported Earnings • Feb 25Full year 2021 earnings: EPS misses analyst expectationsFull year 2021 results: EPS: US$1.92 (up from US$1.30 in FY 2020). Revenue: US$100.2m (up 14% from FY 2020). Net income: US$30.3m (up 59% from FY 2020). Profit margin: 30% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.69% (no change from 3.69% in FY 2020). Cost-to-income ratio: 59.5% (down from 59.9% in FY 2020). Non-performing loans: 1.36% (down from 1.42% in FY 2020). Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 1.5%. Over the next year, revenue is forecast to grow 2.5%, compared to a 5.4% growth forecast for the banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 2% per year.
お知らせ • Feb 19Citizens & Northern Corporation Announces Retirement of Clark S. Frame as DirectorOn February 18, 2022, Clark S. Frame, a director of Citizens & Northern Corporation (the "Corporation") and its wholly-owned banking subsidiary, Citizens & Northern Bank (the "Bank"), communicated to the Board of Directors his intent to retire as a director of the Corporation, effective March 17, 2022.
Seeking Alpha • Feb 16Citizens & Northern: Avoid Until Better ExecutionShares are fully priced from a P/E and P/TBV perspective. Operating expenses increased faster than shareholders' returns. Confusing M&A execution using dilutive cash as a purchase price consideration.