Positive News SentimentPositive NewsNASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $18.56 -0.72 (-3.73%) (As of 09/6/2024 ET) Add Compare Share Share Today's Range$18.56▼$19.3450-Day Range$16.85▼$21.9552-Week Range$16.50▼$23.50Volume15,756 shsAverage Volume25,242 shsMarket Capitalization$285.38 millionP/E Ratio12.21Dividend Yield6.03%Price TargetN/A Stock AnalysisStock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsStock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrends Get Citizens & Northern alerts: Email Address Citizens & Northern MarketRank™ Stock AnalysisAnalyst RatingN/AUpside/DownsideN/AShort InterestHealthy0.44% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews SentimentN/AInsider TradingAcquiring Shares$8,113 Bought Last QuarterProj. Earnings Growth8.43%From $1.66 to $1.80 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.4.19 out of 5 starsFinance Sector189th out of 871 stocksState Commercial Banks Industry38th out of 177 stocks N/A Analyst's Opinion Consensus RatingThere is not enough analysis data for Citizens & Northern.Read more about Citizens & Northern's stock forecast and price target. Previous Next 5.0 Short Interest Percentage of Shares Shorted0.44% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens & Northern has recently decreased by 10.96%, indicating that investor sentiment is improving significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.56%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens & Northern does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens & Northern is 73.68%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 62.22% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.Read more about Citizens & Northern's dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZNC. Previous Next 3.3 News and Social Media Coverage News SentimentCitizens & Northern has a news sentiment score of 1.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.70 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for Citizens & Northern this week, compared to 0 articles on an average week.MarketBeat FollowsOnly 1 people have added Citizens & Northern to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $8,113.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 3.74% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 30.83% of the stock of Citizens & Northern is held by institutions.Read more about Citizens & Northern's insider trading history. Previous Next 2.5 Earnings and Valuation Earnings GrowthEarnings for Citizens & Northern are expected to grow by 8.43% in the coming year, from $1.66 to $1.80 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 12.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 128.02.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 12.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 32.61.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.09. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Citizens & Northern's valuation and earnings. Previous Next See Top Rated MarketRank™ Stocks Here Ad Weiss Ratings“Fed Proof” Your Bank Account with THESE 4 Simple StepsStarting as soon as a few months from now, the United States government will make a sweeping change to bank accounts nationwide. It will give them unprecedented powers to control your bank account.Learn these 4 simple steps and protect your savings before it’s too late. About Citizens & Northern Stock (NASDAQ:CZNC)Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.Read More CZNC Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZNC Stock News HeadlinesAugust 17, 2024 | finance.yahoo.comOZK Aug 2024 48.000 put (OZK240823P00048000)July 23, 2024 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28September 7, 2024 | Porter & Company (Ad)Why billionaires are wiring money to abandoned towns A new force is brewing in these forgotten towns that could soon turn Appalachia into one of America’s most valuable economic hubs – the beating heart of a new multi-billion-dollar revolution. July 22, 2024 | prnewswire.comHow to Protect Your Money in a Digital WorldJuly 21, 2024 | finance.yahoo.comCitizens & Northern Second Quarter 2024 Earnings: EPS: US$0.40 (vs US$0.39 in 2Q 2023)June 21, 2024 | prnewswire.comC&N Teams Raise Over $98,000 for Local Senior CitizensMay 7, 2024 | investorplace.comCZNC Stock Earnings: Citizens & Northern Beats EPS, Misses Revenue for Q1 2024May 7, 2024 | washingtonpost.comCitizens & Northern: Q1 Earnings SnapshotSeptember 7, 2024 | Porter & Company (Ad)Why billionaires are wiring money to abandoned towns A new force is brewing in these forgotten towns that could soon turn Appalachia into one of America’s most valuable economic hubs – the beating heart of a new multi-billion-dollar revolution. May 1, 2024 | finance.yahoo.comCitizens & Northern First Quarter 2024 Earnings: EPS: US$0.35 (vs US$0.40 in 1Q 2023)April 27, 2024 | money.usnews.comCitizens & Northern CorpApril 1, 2024 | msn.comGlobal Citizens Festival returning to Central Park for 12th straight yearMarch 17, 2024 | finance.yahoo.comCitizens & Northern Full Year 2023 Earnings: Revenues Beat Expectations, EPS LagsMarch 15, 2024 | investorplace.comCZNC Stock Earnings: Citizens & Northern Misses EPS, Misses Revenue for Q4 2023March 6, 2024 | finance.yahoo.comCitizens & Northern Corporation (CZNC)February 15, 2024 | msn.comUS citizens to be "naturalized" in Cedar Rapids on February 16thJanuary 25, 2024 | finance.yahoo.comCitizens & Northern Corp's Dividend AnalysisJanuary 21, 2024 | finance.yahoo.comAnalysts Are Updating Their Citizens & Northern Corporation (NASDAQ:CZNC) Estimates After Its Full-Year ResultsSee More Headlines Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address Company Calendar Ex-Dividend for 8/9 Dividend7/29/2024Last Earnings8/07/2024Dividend Payable8/09/2024Today9/07/2024Next Earnings (Estimated)11/04/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryRegional Banks Current SymbolNASDAQ:CZNC CUSIP17292210 CIK810958 Webwww.cnbankpa.com Phone(570) 724-3411Fax570-724-6395Employees410Year Founded1864Profitability EPS (Most Recent Fiscal Year)$1.52 Trailing P/E Ratio12.21 Forward P/E Ratio11.18 P/E GrowthN/ANet Income$24.15 million Net Margins15.75% Pretax Margin19.83% Return on Equity9.06% Return on Assets0.92% Debt Debt-to-Equity Ratio0.86 Current Ratio0.94 Quick Ratio0.94 Sales & Book Value Annual Sales$102.67 million Price / Sales2.78 Cash Flow$1.69 per share Price / Cash Flow10.96 Book Value$17.10 per share Price / Book1.09Miscellaneous Outstanding Shares15,376,000Free Float14,801,000Market Cap$285.38 million OptionableOptionable Beta0.46 Social Links The 10 Best AI Stocks to Own in 2024Wondering where to start (or end) with AI stocks? These 10 simple stocks can help investors build long-term wealth as artificial intelligence continues to grow into the future.Get This Free Report Key ExecutivesMr. J. Bradley Scovill (Age 65)President, CEO & Director Comp: $1.09MMr. Stan R. Dunsmore (Age 62)EVP and Chief Credit Officer of Citizens & Northern Bank Comp: $377.52kMr. Blair T. Rush (Age 62)EVP and Southeast Region President of Citizens & Northern Bank Comp: $392.79kMr. Mark A. Hughes (Age 62)Treasurer Comp: $503.29kMr. Thomas L. Rudy Jr. (Age 59)EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank Comp: $238.74kMs. Kelley A. Cwiklinski (Age 60)Executive VP & Chief Commercial Lending Officer Mr. Philip Prough CFPCIMA, Senior VP & Chief Investment StrategistMs. Shelley L. D'Haene (Age 63)Executive VP and Chief Digital Channels & Payments Officer Mr. Glenn Richard James Esq. (Age 69)Corporate Secretary More ExecutivesKey CompetitorsSouthern National Bancorp of VirginiaNASDAQ:SONARBB BancorpNASDAQ:RBBCapStar FinancialNASDAQ:CSTRSpirit of Texas BancsharesNASDAQ:STXBMacatawa BankNASDAQ:MCBCView All CompetitorsInsiders & InstitutionsDimensional Fund Advisors LPSold 595 shares on 8/9/2024Ownership: 3.490%Renaissance Technologies LLCSold 4,500 shares on 8/9/2024Ownership: 0.375%J.W. Cole Advisors Inc.Bought 10,480 shares on 8/8/2024Ownership: 0.068%Hudock Inc.Sold 3,305 shares on 8/3/2024Ownership: 0.215%Citizens & Northern CorpBought 21,443 shares on 7/31/2024Ownership: 2.142%View All Insider TransactionsView All Institutional Transactions CZNC Stock Analysis - Frequently Asked Questions How have CZNC shares performed this year? Citizens & Northern's stock was trading at $22.43 at the beginning of 2024. Since then, CZNC stock has decreased by 17.3% and is now trading at $18.56. View the best growth stocks for 2024 here. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) released its earnings results on Wednesday, August, 7th. The financial services provider reported $0.40 earnings per share for the quarter, topping the consensus estimate of $0.37 by $0.03. The financial services provider earned $27.50 million during the quarter, compared to analyst estimates of $26.90 million. Citizens & Northern had a trailing twelve-month return on equity of 9.06% and a net margin of 15.75%. What is J. Bradley Scovill's approval rating as Citizens & Northern's CEO? 3 employees have rated Citizens & Northern Chief Executive Officer J. Bradley Scovill on Glassdoor.com. J. Bradley Scovill has an approval rating of 100% among the company's employees. This puts J. Bradley Scovill in the top 10% of approval ratings compared to other CEOs of publicly-traded companies. Who are Citizens & Northern's major shareholders? Citizens & Northern's top institutional investors include Dimensional Fund Advisors LP (3.49%), Citizens & Northern Corp (2.14%), Pennsylvania Capital Management Inc. ADV (0.76%) and IVC Wealth Advisors LLC (0.67%). Insiders that own company stock include Frank G Pellegrino, Leo F Lambert, Terry L Lehman, Bobbi J Kilmer, Robert G Loughery, Tracy Ellen Watkins, Katherine W Shattuck, Helen S Santiago, Susan E Hartley and Timothy E Schoener. View institutional ownership trends. How do I buy shares of Citizens & Northern? Shares of CZNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here. What other stocks do shareholders of Citizens & Northern own? Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens & Northern investors own include General Mills (GIS), Pfizer (PFE), AbbVie (ABBV), Carnival Co. & (CCL), CenterPoint Energy (CNP), Consolidated Edison (ED) and International Business Machines (IBM). This page (NASDAQ:CZNC) was last updated on 9/7/2024 by MarketBeat.com Staff From Our PartnersPerfect Crypto Buying Opportunity for 50 CentsWhen cryptos take a hit, the mom and pop investors run for the hills. But the top investors keep buying wit...Crypto 101 Media | SponsoredThe solution to fast food’s wage hike crisisShake Shack will be closing six California locations in response to the recent $20/hour minimum wage increase,...Deal Maker | SponsoredPre-IPO| 32,481% Growth: First Disruption to $martphones in 15 Years🤳45M Users | 32,481% Growth Rate Get in on the biggest disruption to smartphones in over a decade. 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