Picture of Citizens & Northern logo

CZNC Citizens & Northern Share Price

0.000.00%
us flag iconLast trade - 00:00
FinancialsBalancedSmall CapNeutral

Momentum

Relative Strength (%)
1m-4.7%
3m-28.65%
6m-14.88%
1yr-34.73%
Volume Change (%)
10d/3m+14.28%
Price vs... (%)
52w High-22.68%
50d MA-4.89%
200d MA-7.09%

Growth & Value

12m Forecast RollingIndustryMarket
PE Ratio (f)10.9
PEG Ratio (f)2.24
EPS Growth (f)5.12%
Dividend Yield (f)6.16%
Valuation (ttm)IndustryMarket
Price to Book Value1.06
Price to Tang. Book1.35
Price to Free Cashflow8.93
Price to Sales2.67
EV to EBITDA115.86

Shareholder Activity

TypeBuy / Hold / Sell
Institutions
Directors
Community

Guru Screens

Quality

NameIndustryMarket
Return on Capital1.21%
Return on Equity9.37%
Operating Margin29.08%

Financial Summary

Year End 31st DecUnit201920202021202220232024E2025ECAGR / Avg
Total Revenue$m73.892.14103.82107.56104.82108.99114.519.58%
Operating Profitm
Net Profitm
EPS Reported
Diluted Normalised EPS
EPS Growth%-4.14+0.9+11.2-11.21-7.88+3.68+9.82n/a
PE Ratiox
PEG
Profitability
Operating Margin%
ROA%
ROCE%
ROE%
Cashflow
Op. Cashflow ps
Capex ps
Free Cashflow ps
Dividends
Dividend ps
Dividend Growth%
Dividend Yield%
Dividend Coverx
Balance Sheet
Cash etcm
Working Capitalm
NFAm
Net Debtm
Book Valuem
Diluted Weighted Average Sharesm
Book Value ps

Health Trend(F-Score)

12345678910

Bankruptcy Score(Z-Score)

Distress
Cautious
Safe

Earnings Manipulation Risk(M-Score)

Other Ratios

Leverage (ttm)Total- Intang+ Pension
Gross Gearing
Net Gearing
Cash / Assets

Recent History

Latest interim period vs. prior periodIndustryMarket
Sales Growth
EPS Growth
3yr Compound Annual Growth RateIndustryMarket
Sales CAGR
EPS CAGR
DPS CAGR

Graphical History

Revenue
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Net Income
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Normalised EPS
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PE Ratio Range
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Dividend Yield Range
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Analyst Forecasts

Price target
( price)
31st Dec 202431st Dec 2025
Est. Long Term Growth Rate: Net Profit
()
EPS
()
DPS
()
Net Profit
()
EPS
()
DPS
()
Consensus Estimate
1m Change
3m Change

Analyst Consensus

Strong SellSellHoldBuyStrong Buy

EPS 2024 / 2025

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Profile Summary

Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Company's subsidiaries include Citizens & Northern Bank (the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (Bucktail). The Bank is a Pennsylvania banking institution, which 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 range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. It operates over 29 branch offices, including 22 in the Northern tier/Northcentral region of Pennsylvania, one in the Southern tier of New York State, four in Southeastern Pennsylvania and two in Southcentral Pennsylvania. The Bank also has a lending office in Elmira, New York.

Directors

Last Annual
December 31st, 2023
Last Interim
December 31st, 2023
Incorporated
February 19th, 1987
Public Since
October 27th, 1993
No. of Shareholders
2,036
No. of Employees
404
Sector
Banking Services
Industry
Financials
Exchange
us flag iconNASDAQ Capital Market
Shares in Issue
15,378,065

CZNC Share Price Performance

Upcoming Events for CZNC

Q1 2024 Citizens & Northern Corp Earnings Release

Citizens & Northern Corp Annual Shareholders Meeting

Citizens & Northern Corp Annual Shareholders Meeting

Q2 2024 Citizens & Northern Corp Earnings Release

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