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Citizens & Northern NasdaqCM:CZNC Stock Report

Last Price

US$18.78

Market Cap

US$288.6m

7D

0.2%

1Y

-10.9%

Updated

28 Mar, 2024

Data

Company Financials +

Citizens & Northern Corporation

NasdaqCM:CZNC Stock Report

Market Cap: US$288.6m

CZNC Stock Overview

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers.

CZNC fundamental analysis
Snowflake Score
Valuation2/6
Future Growth1/6
Past Performance2/6
Financial Health6/6
Dividends6/6

Citizens & Northern Corporation Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Citizens & Northern
Historical stock prices
Current Share PriceUS$18.78
52 Week HighUS$23.50
52 Week LowUS$16.71
Beta0.42
1 Month Change1.51%
3 Month Change-16.27%
1 Year Change-10.91%
3 Year Change-21.29%
5 Year Change-30.34%
Change since IPO270.69%

Recent News & Updates

Recent updates

Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28

Oct 26
Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28

Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28

Jul 27
Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28

Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28

Apr 25
Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28

Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28

Feb 01
Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28

Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28

Oct 25
Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28

Citizens & Northern Corporation goes ex-dividend tomorrow

Jul 28

Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28

Jul 28
Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28

Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28

Apr 25
Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28

Citizens & Northern: Avoid Until Better Execution

Feb 16

Citizens & Northern Corporation: Bank With 4.3% Dividend And Growth Potential

Oct 15

This Is Why Citizens & Northern Corporation's (NASDAQ:CZNC) CEO Compensation Looks Appropriate

Apr 17
This Is Why Citizens & Northern Corporation's (NASDAQ:CZNC) CEO Compensation Looks Appropriate

Broker Revenue Forecasts For Citizens & Northern Corporation (NASDAQ:CZNC) Are Surging Higher

Mar 30
Broker Revenue Forecasts For Citizens & Northern Corporation (NASDAQ:CZNC) Are Surging Higher

Is Citizens & Northern Corporation (NASDAQ:CZNC) A Smart Pick For Income Investors?

Mar 18
Is Citizens & Northern Corporation (NASDAQ:CZNC) A Smart Pick For Income Investors?

Don't Race Out To Buy Citizens & Northern Corporation (NASDAQ:CZNC) Just Because It's Going Ex-Dividend

Jan 25
Don't Race Out To Buy Citizens & Northern Corporation (NASDAQ:CZNC) Just Because It's Going Ex-Dividend

Would Shareholders Who Purchased Citizens & Northern's (NASDAQ:CZNC) Stock Year Be Happy With The Share price Today?

Jan 21
Would Shareholders Who Purchased Citizens & Northern's (NASDAQ:CZNC) Stock Year Be Happy With The Share price Today?

How Much is Citizens & Northern's (NASDAQ:CZNC) CEO Getting Paid?

Nov 30
How Much is Citizens & Northern's (NASDAQ:CZNC) CEO Getting Paid?

Citizens & Northern: An Attractive 5.8% Dividend Backed By Income

Nov 19

Citizens & Northern goes ex-dividend tomorrow

Oct 29

Shareholder Returns

CZNCUS BanksUS Market
7D0.2%2.1%0.4%
1Y-10.9%33.8%28.8%

Return vs Industry: CZNC underperformed the US Banks industry which returned 33.8% over the past year.

Return vs Market: CZNC underperformed the US Market which returned 28.8% over the past year.

Price Volatility

Is CZNC's price volatile compared to industry and market?
CZNC volatility
CZNC Average Weekly Movement6.6%
Banks Industry Average Movement4.4%
Market Average Movement6.0%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.0%

Stable Share Price: CZNC has not had significant price volatility in the past 3 months.

Volatility Over Time: CZNC's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1864404Brad Scovillhttps://www.cnbankpa.com

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products.

Citizens & Northern Corporation Fundamentals Summary

How do Citizens & Northern's earnings and revenue compare to its market cap?
CZNC fundamental statistics
Market capUS$288.65m
Earnings (TTM)US$23.96m
Revenue (TTM)US$104.63m

12.1x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CZNC income statement (TTM)
RevenueUS$104.63m
Cost of RevenueUS$0
Gross ProfitUS$104.63m
Other ExpensesUS$80.67m
EarningsUS$23.96m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)1.56
Gross Margin100.00%
Net Profit Margin22.90%
Debt/Equity Ratio81.8%

How did CZNC perform over the long term?

See historical performance and comparison

Dividends

6.0%

Current Dividend Yield

71%

Payout Ratio
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