Citizens & Northern Past Earnings Performance
Past criteria checks 2/6
Citizens & Northern has been growing earnings at an average annual rate of 4.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 7% per year. Citizens & Northern's return on equity is 7.9%, and it has net margins of 21.5%.
Key information
4.4%
Earnings growth rate
2.2%
EPS growth rate
Banks Industry Growth | 11.2% |
Revenue growth rate | 7.0% |
Return on equity | 7.9% |
Net Margin | 21.5% |
Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28
Oct 24Citizens & 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 25Would 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 19Revenue & Expenses Breakdown
How Citizens & Northern makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
---|---|---|---|---|
30 Sep 24 | 102 | 22 | 60 | 0 |
30 Jun 24 | 103 | 23 | 60 | 0 |
31 Mar 24 | 103 | 23 | 60 | 0 |
31 Dec 23 | 105 | 24 | 60 | 0 |
30 Sep 23 | 106 | 27 | 59 | 0 |
30 Jun 23 | 102 | 24 | 59 | 0 |
31 Mar 23 | 102 | 26 | 58 | 0 |
31 Dec 22 | 100 | 26 | 56 | 0 |
30 Sep 22 | 99 | 26 | 55 | 0 |
30 Jun 22 | 101 | 29 | 54 | 0 |
31 Mar 22 | 99 | 28 | 53 | 0 |
31 Dec 21 | 100 | 30 | 51 | 0 |
30 Sep 21 | 101 | 30 | 51 | 0 |
30 Jun 21 | 101 | 25 | 50 | 0 |
31 Mar 21 | 96 | 24 | 47 | 0 |
31 Dec 20 | 88 | 19 | 45 | 0 |
30 Sep 20 | 81 | 18 | 41 | 0 |
30 Jun 20 | 75 | 20 | 38 | 0 |
31 Mar 20 | 74 | 18 | 38 | 0 |
31 Dec 19 | 73 | 19 | 36 | 0 |
30 Sep 19 | 71 | 20 | 35 | 0 |
30 Jun 19 | 69 | 20 | 33 | 0 |
31 Mar 19 | 67 | 23 | 32 | 0 |
31 Dec 18 | 65 | 22 | 31 | 0 |
30 Sep 18 | 64 | 18 | 31 | 0 |
30 Jun 18 | 62 | 17 | 30 | 0 |
31 Mar 18 | 59 | 14 | 30 | 0 |
31 Dec 17 | 58 | 13 | 29 | 0 |
30 Sep 17 | 57 | 16 | 28 | 0 |
30 Jun 17 | 57 | 16 | 27 | 0 |
31 Mar 17 | 56 | 16 | 27 | 0 |
31 Dec 16 | 56 | 16 | 26 | 0 |
30 Sep 16 | 57 | 16 | 26 | 0 |
30 Jun 16 | 57 | 16 | 26 | 0 |
31 Mar 16 | 58 | 16 | 26 | 0 |
31 Dec 15 | 57 | 16 | 25 | 0 |
30 Sep 15 | 56 | 17 | 26 | 0 |
30 Jun 15 | 57 | 17 | 26 | 0 |
31 Mar 15 | 56 | 17 | 26 | 0 |
31 Dec 14 | 57 | 17 | 26 | 0 |
30 Sep 14 | 56 | 17 | 25 | 0 |
30 Jun 14 | 56 | 17 | 25 | 0 |
31 Mar 14 | 58 | 18 | 25 | 0 |
Quality Earnings: CZNC has high quality earnings.
Growing Profit Margin: CZNC's current net profit margins (21.5%) are lower than last year (25.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CZNC's earnings have grown by 4.4% per year over the past 5 years.
Accelerating Growth: CZNC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CZNC had negative earnings growth (-20.3%) over the past year, making it difficult to compare to the Banks industry average (-9.9%).
Return on Equity
High ROE: CZNC's Return on Equity (7.9%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2025/01/23 06:27 |
End of Day Share Price | 2025/01/23 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 |
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Analyst Consensus Estimates | +3 years |
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Market Prices | 30 years |
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Ownership | 10 years |
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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
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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 4 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 |
Gregory Zingone | Piper Sandler Companies |
Waseem Ansari | Virtua Research Inc. |