Citizens & Northern Corporation

NasdaqCM:CZNC Stock Report

Market Cap: US$279.4m

Citizens & Northern Past Earnings Performance

Past criteria checks 2/6

Citizens & Northern has been growing earnings at an average annual rate of 6.9%, while the Banks industry saw earnings growing at 10.5% annually. Revenues have been growing at an average rate of 9.9% per year. Citizens & Northern's return on equity is 9.2%, and it has net margins of 22.9%.

Key information

6.9%

Earnings growth rate

2.0%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate9.9%
Return on equity9.2%
Net Margin22.9%
Last Earnings Update31 Dec 2023

Recent past performance 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

Revenue & Expenses Breakdown
Beta

How Citizens & Northern makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NasdaqCM:CZNC Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2310524600
30 Sep 2310627590
30 Jun 2310224590
31 Mar 2310226580
31 Dec 2210026560
30 Sep 229926550
30 Jun 2210129540
31 Mar 229928530
31 Dec 2110030510
30 Sep 2110130510
30 Jun 2110125500
31 Mar 219624470
31 Dec 208819450
30 Sep 208118410
30 Jun 207520380
31 Mar 207418380
31 Dec 197319360
30 Sep 197120350
30 Jun 196920330
31 Mar 196723320
31 Dec 186522310
30 Sep 186418310
30 Jun 186217300
31 Mar 185914300
31 Dec 175813290
30 Sep 175716280
30 Jun 175716270
31 Mar 175616270
31 Dec 165616260
30 Sep 165716260
30 Jun 165716260
31 Mar 165816260
31 Dec 155716250
30 Sep 155617260
30 Jun 155717260
31 Mar 155617260
31 Dec 145717260
30 Sep 145617250
30 Jun 145617250
31 Mar 145818250
31 Dec 135919250
30 Sep 136220250
30 Jun 136521260
31 Mar 136622250

Quality Earnings: CZNC has high quality earnings.

Growing Profit Margin: CZNC's current net profit margins (22.9%) are lower than last year (26.3%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CZNC's earnings have grown by 6.9% 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 (-9.2%) over the past year, making it difficult to compare to the Banks industry average (-9%).


Return on Equity

High ROE: CZNC's Return on Equity (9.2%) is considered low.


Return on Assets


Return on Capital Employed


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