CZNC Stock Overview
Operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 5/6 |
| Dividends | 6/6 |
Rewards
Risk Analysis
No risks detected for CZNC from our risk checks.
My Notes
Capture your thoughts, links and company narrative
Citizens & Northern Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$18.53 |
| 52 Week High | US$23.50 |
| 52 Week Low | US$16.50 |
| Beta | 0.46 |
| 1 Month Change | -10.57% |
| 3 Month Change | -6.15% |
| 1 Year Change | -20.23% |
| 3 Year Change | -29.09% |
| 5 Year Change | -32.37% |
| Change since IPO | 265.75% |
Recent News & Updates
Recent updates
Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
Oct 24
Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28
Jul 23Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
May 01Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28
Oct 26Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
Jul 27Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of $0.28
Apr 25Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28
Feb 01Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28
Oct 25Citizens & Northern Corporation goes ex-dividend tomorrow
Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of $0.28
Jul 28Citizens & Northern (NASDAQ:CZNC) Is Due To Pay A Dividend Of US$0.28
Apr 25Citizens & Northern: Avoid Until Better Execution
Feb 16Citizens & Northern Corporation: Bank With 4.3% Dividend And Growth Potential
Oct 15This Is Why Citizens & Northern Corporation's (NASDAQ:CZNC) CEO Compensation Looks Appropriate
Apr 17Broker Revenue Forecasts For Citizens & Northern Corporation (NASDAQ:CZNC) Are Surging Higher
Mar 30Is Citizens & Northern Corporation (NASDAQ:CZNC) A Smart Pick For Income Investors?
Mar 18Don't Race Out To Buy Citizens & Northern Corporation (NASDAQ:CZNC) Just Because It's Going Ex-Dividend
Jan 25
Would Shareholders Who Purchased Citizens & Northern's (NASDAQ:CZNC) Stock Year Be Happy With The Share price Today?
Jan 21How Much is Citizens & Northern's (NASDAQ:CZNC) CEO Getting Paid?
Nov 30Citizens & Northern: An Attractive 5.8% Dividend Backed By Income
Nov 19Shareholder Returns
| CZNC | US Banks | US Market | |
|---|---|---|---|
| 7D | -6.2% | -3.4% | -2.4% |
| 1Y | -20.2% | 29.1% | 23.3% |
Return vs Industry: CZNC underperformed the US Banks industry which returned 29.1% over the past year.
Return vs Market: CZNC underperformed the US Market which returned 23.3% over the past year.
Price Volatility
| CZNC volatility | |
|---|---|
| CZNC Average Weekly Movement | 4.0% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: CZNC has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CZNC's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1864 | 404 | Brad Scovill | 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
| CZNC fundamental statistics | |
|---|---|
| Market cap | US$285.62m |
| Earnings (TTM) | US$21.88m |
| Revenue (TTM) | US$101.90m |
13.1x
P/E Ratio1.0x
P/B RatioIs CZNC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CZNC income statement (TTM) | |
|---|---|
| Revenue | US$101.90m |
| Cost of Revenue | US$0 |
| Gross Profit | US$101.90m |
| Other Expenses | US$80.02m |
| Earnings | US$21.88m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.42 |
| Gross Margin | 100.00% |
| Net Profit Margin | 21.47% |
| Debt/Equity Ratio | 82.1% |
How did CZNC perform over the long term?
See historical performance and comparisonDividends
6.0%
Current Dividend Yield78%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 02:49 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Citizens & Northern Corporation is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacob Civiello | Janney Montgomery Scott LLC |
| Casey Orr Whitman | Piper Sandler Companies |
| Gregory Zingone | Piper Sandler Companies |