company background image
CZNC

Citizens & Northern NasdaqCM:CZNC Stock Report

Last Price

US$25.42

Market Cap

US$393.8m

7D

4.7%

1Y

0.7%

Updated

14 Aug, 2022

Data

Company Financials
CZNC fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends5/6

CZNC Stock Overview

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers.

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$25.42
52 Week HighUS$27.99
52 Week LowUS$23.21
Beta0.37
1 Month Change1.84%
3 Month Change5.22%
1 Year Change0.71%
3 Year Change4.61%
5 Year Change13.53%
Change since IPO401.75%

Recent News & Updates

Jul 28

Citizens & Northern Corporation goes ex-dividend tomorrow

Citizens & Northern Corporation (NASDAQ:CZNC) had declared $0.28/share quarterly dividend, in line with previous. Payable Aug. 12; for shareholders of record Aug. 1; ex-div July 29. See CZNC Dividend Scorecard, Yield Chart, & Dividend Growth.

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 $0.28

Citizens & Northern Corporation ( NASDAQ:CZNC ) will pay a dividend of $0.28 on the 12th of August. The dividend yield...

Shareholder Returns

CZNCUS BanksUS Market
7D4.7%5.3%3.2%
1Y0.7%-10.9%-10.2%

Return vs Industry: CZNC exceeded the US Banks industry which returned -10.9% over the past year.

Return vs Market: CZNC exceeded the US Market which returned -10.2% over the past year.

Price Volatility

Is CZNC's price volatile compared to industry and market?
CZNC volatility
CZNC Average Weekly Movement2.9%
Banks Industry Average Movement3.7%
Market Average Movement7.7%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: CZNC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: CZNC's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1864405Brad Scovillhttps://www.cnbankpa.com

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents.

Citizens & Northern Corporation Fundamentals Summary

How do Citizens & Northern's earnings and revenue compare to its market cap?
CZNC fundamental statistics
Market CapUS$393.83m
Earnings (TTM)US$28.85m
Revenue (TTM)US$100.72m

13.7x

P/E Ratio

1.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CZNC income statement (TTM)
RevenueUS$100.72m
Cost of RevenueUS$0
Gross ProfitUS$100.72m
Other ExpensesUS$71.88m
EarningsUS$28.85m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)1.86
Gross Margin100.00%
Net Profit Margin28.64%
Debt/Equity Ratio64.9%

How did CZNC perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

61%

Payout Ratio