CZNC — Citizens & Northern Share Price
0.000.00%
Last trade - 00:00- $296.03m
- $317.14m
- $108.32m
- 75
- 85
- 63
- 88
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 10.22 | ||
| PEG Ratio (f) | 1.41 | ||
| EPS Growth (f) | 7.8% | ||
| Dividend Yield (f) | 5.86% | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 1.08 | ||
| Price to Tang. Book | 1.34 | ||
| Price to Free Cashflow | 9.51 | ||
| Price to Sales | 2.73 | ||
| EV to EBITDA | 123.3 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 1.22% | ||
| Return on Equity | 9.58% | ||
| Operating Margin | 29.42% | ||
Financial Summary
| Year End 31st Dec | Unit | 2020 | 2021 | 2022 | 2023 | 2024 | 2025E | 2026E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $m | 92.14 | 103.82 | 107.56 | 104.82 | 108.32 | 111.1 | 116.2 | 7.98% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | +0.9 | +11.2 | -11.21 | -7.88 | +7.3 | +8.48 | +6.56 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Bank is a Pennsylvania banking institution. It provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a wholly owned subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank has 28 branch offices, including 21 in the northern tier/Northcentral region of Pennsylvania, and one in the Southern tier of New York State.
Directors
- Terry Lehman NEC (63)
- J. Scovill PRE (61)
- Shelley D'Haene EVP (60)
- Stan Dunsmore EVP (58)
- Harold Hoose EVP (54)
- John Reber EVP (54)
- Thomas Rudy EVP (57)
- Blair Rush EVP (59)
- Janice Ward EVP (56)
- Tracy Watkins EVP (56)
- Mark Hughes TRS (60)
- Helen Santiago DRC
- Kate Shattuck DRC
- Stephen Dorwart IND (51)
- Clark Frame IND (70)
- Susan Hartley IND (63)
- Bobbi Kilmer IND (57)
- Robert Loughery IND (51)
- Frank Pellegrino IND (57)
- Timothy Schoener IND (58)
- Aaron Singer IND (49)
- Last Annual
- December 31st, 2024
- Last Interim
- December 31st, 2024
- Incorporated
- February 19th, 1987
- Public Since
- October 27th, 1993
- No. of Shareholders
- 2,036
- No. of Employees
- 386
- Sector
- Banking Services
- Industry
- Financials
- Exchange
- NASDAQ Capital Market
- Shares in Issue
- 15,482,848
- Address
- 90-92 Main St, WELLSBORO, 16901
- Web
- https://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile
- Phone
- +1 7172656171
- Auditors
- BAKER TILLY US LLP
Upcoming Events for CZNC
Q3 2025 Citizens & Northern Corp Earnings Release
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FAQ
What is the Citizens & Northern share price?
As of Today at 19:58 UTC, shares in Citizens & Northern are trading at $19.12. This share price information is delayed by 15 minutes.
How has the Citizens & Northern share price performed this year?
Shares in Citizens & Northern last closed at $19.12 and the price had moved by +7.48% over the past 365 days. In terms of relative price strength the Citizens & Northern share price has underperformed the S&P500 Index by -3.09% over the past year.
What are the analyst and broker recommendations for Citizens & Northern?
The overall consensus recommendation for Citizens & Northern is Hold. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreWhat is the Citizens & Northern dividend yield?
The Citizens & Northern dividend yield is 5.86% based on the trailing twelve month period.
Does Citizens & Northern pay a dividend?
Last year, Citizens & Northern paid a total dividend of $1.12, and it currently has a trailing dividend yield of 5.86%.Looking ahead, the next dividend pay date is 2025-05-15.
When does Citizens & Northern next pay dividends?
We do not have data on when Citizens & Northern is to next pay dividends. The historic dividend yield on Citizens & Northern shares is currently 5.86%.
How do I buy Citizens & Northern shares?
To buy shares in Citizens & Northern you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of Citizens & Northern?
As of the previous close price of $19.12, shares in Citizens & Northern had a market capitalisation of $296.03m.
Where are Citizens & Northern shares listed?
Here are the trading details for Citizens & Northern:
- Country of listing: United States
- Exchange: NAQ
- Ticker Symbol: CZNC
What kind of share is Citizens & Northern?
Based on an overall assessment of its quality, value and momentum Citizens & Northern is currently classified as a Super Stock. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a Citizens & Northern share price forecast for 2025?
The analyst consensus target price for shares in Citizens & Northern is $22.00. That is 15.06% above the last closing price of $19.12.
Analysts covering Citizens & Northern currently have a consensus Earnings Per Share (EPS) forecast of $1.83 for the next financial year.
Find out moreWhat is the trend in the Citizens & Northern share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Citizens & Northern. Over the past six months, its share price has outperformed the S&P500 Index by +2.44%.
As of the last closing price of $19.12, shares in Citizens & Northern were trading -3.23% below their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the Citizens & Northern PE Ratio?
The Citizens & Northern PE ratio based on its reported earnings over the past 12 months is 10.22. The shares last closed at $19.12.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of Citizens & Northern?
Citizens & Northern's management team is headed by:
- Terry Lehman - NEC
- J. Scovill - PRE
- Shelley D'Haene - EVP
- Stan Dunsmore - EVP
- Harold Hoose - EVP
- John Reber - EVP
- Thomas Rudy - EVP
- Blair Rush - EVP
- Janice Ward - EVP
- Tracy Watkins - EVP
- Mark Hughes - TRS
- Helen Santiago - DRC
- Kate Shattuck - DRC
- Stephen Dorwart - IND
- Clark Frame - IND
- Susan Hartley - IND
- Bobbi Kilmer - IND
- Robert Loughery - IND
- Frank Pellegrino - IND
- Timothy Schoener - IND
- Aaron Singer - IND