Citizens & Northern Corporation

NasdaqCM:CZNC Stock Report

Market Cap: US$279.6m

Citizens & Northern Balance Sheet Health

Financial Health criteria checks 6/6

Citizens & Northern has total assets of $2.5B and total equity of $262.4M. Total deposits are $2.0B, and total loans are $1.8B. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are $59.7M.

Key information

9.6x

Asset to equity ratio

3.5%

Net interest margin

Total deposits

US$2.01b

Loan to deposit ratio

Appropriate

Bad loans

1.0%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$59.67m

Recent financial health updates

No 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

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CZNC's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: CZNC has a sufficient allowance for bad loans (105%).

Low Risk Liabilities: 89% of CZNC's liabilities are made up of primarily low risk sources of funding.

Loan Level: CZNC has an appropriate level of Loans to Assets ratio (73%).

Low Risk Deposits: CZNC's Loans to Deposits ratio (91%) is appropriate.

Level of Bad Loans: CZNC has an appropriate level of bad loans (1%).


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