NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $20.85 +0.33 (+1.61%) (As of 11/12/2024 ET) Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrends About Citizens & Northern Stock (NASDAQ:CZNC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Citizens & Northern alerts:Sign Up Key Stats Today's Range$20.53▼$21.0050-Day Range$18.36▼$20.6252-Week Range$16.50▼$23.50Volume44,560 shsAverage Volume24,889 shsMarket Capitalization$321.30 millionP/E Ratio14.48Dividend Yield5.37%Price TargetN/AConsensus RatingN/A Company OverviewCitizens & 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… 625,000% Gain (Ad)Imagine swapping your daily coffee expense for a future free of financial worries. It might seem far-fetched, but results like this are within reach with the right knowledge and timing in the altcoin market. Plus, you’ll get $10 in real Bitcoin when you stay to the end of the call and take a short quiz.>> Dive into the Workshop Here Citizens & Northern Stock Analysis - MarketRank™See Top Rated MarketRank™ Stocks72nd Percentile Overall ScoreCZNC MarketRank™: Citizens & Northern scored higher than 72% of companies evaluated by MarketBeat, and ranked 397th out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Citizens & Northern. Earnings and Valuation2.5 / 5Proj. Earnings Growth10.63% Earnings GrowthEarnings for Citizens & Northern are expected to grow by 10.63% in the coming year, from $1.60 to $1.77 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 14.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.75.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 14.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 34.30.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.16. 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. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.42% 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 2.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens & Northern has recently increased by 6.98%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.43%, 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 77.78%. Payout ratios above 75% are not desirable because they may not be sustainable.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 63.28% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.Read more about Citizens & Northern's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.42% 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 2.9, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens & Northern has recently increased by 6.98%, indicating that investor sentiment is decreasing significantly. News and Social Media3.0 / 5News Sentiment1.49 News SentimentCitizens & Northern has a news sentiment score of 1.49. 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 0.69 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Citizens & Northern this week, compared to 0 articles on an average week. Company Ownership1.7 / 5Insider TradingAcquiring Shares 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 $8,114.00 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. 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 CZNC Stock News HeadlinesC&N Boosts Efficiency for Businesses with Clover®October 25, 2024 | prnewswire.comC&N Teammates are "Standing Strong Against Cancer"October 18, 2024 | prnewswire.com625,000% GainImagine swapping your daily coffee expense for a future free of financial worries. It might seem far-fetched, but results like this are within reach with the right knowledge and timing in the altcoin market. Plus, you’ll get $10 in real Bitcoin when you stay to the end of the call and take a short quiz.November 13, 2024 | Crypto Swap Profits (Ad)Citizens & Northern (NASDAQ:CZNC) investors are sitting on a loss of 4.7% if they invested five years agoOctober 15, 2024 | finance.yahoo.comOZK Aug 2024 48.000 put (OZK240823P00048000)August 17, 2024 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Has Announced A Dividend Of $0.28July 23, 2024 | finance.yahoo.comHow to Protect Your Money in a Digital WorldJuly 22, 2024 | prnewswire.comCitizens & Northern Second Quarter 2024 Earnings: EPS: US$0.40 (vs US$0.39 in 2Q 2023)July 21, 2024 | finance.yahoo.comSee More Headlines CZNC Stock Analysis - Frequently Asked Questions How have CZNC shares performed this year? Citizens & Northern's stock was trading at $22.43 at the start of the year. Since then, CZNC stock has decreased by 7.0% and is now trading at $20.85. View the best growth stocks for 2024 here. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) announced its quarterly earnings data on Thursday, October, 17th. The financial services provider reported $0.41 EPS for the quarter, missing analysts' consensus estimates of $0.45 by $0.04. The financial services provider earned $27.49 million during the quarter, compared to analysts' expectations of $28.10 million. Citizens & Northern had a net margin of 14.47% and a trailing twelve-month return on equity of 8.28%. Who are Citizens & Northern's major shareholders? Citizens & Northern's top institutional investors include IVC Wealth Advisors LLC (0.65%), PNC Financial Services Group Inc. (0.52%) and SG Americas Securities LLC (0.03%). 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 and Susan E Hartley. 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 NVIDIA (NVDA), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Home Depot (HD). Company Calendar Last Earnings10/17/2024Ex-Dividend for 11/8 Dividend10/28/2024Dividend Payable11/08/2024Today11/12/2024Fiscal Year End12/31/2024Next Earnings (Estimated)3/10/2025Get 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) 724-3411Fax570-724-6395Employees404Year Founded1864Profitability EPS (Most Recent Fiscal Year)$1.44 Trailing P/E Ratio14.48 Forward P/E Ratio13.03 P/E GrowthN/ANet Income$24.15 million Net Margins14.47% Pretax Margin18.17% Return on Equity8.28% Return on Assets0.86% Debt Debt-to-Equity Ratio0.77 Current Ratio0.95 Quick Ratio0.94 Sales & Book Value Annual Sales$137.92 million Price / Sales2.33 Cash Flow$1.86 per share Price / Cash Flow11.22 Book Value$17.99 per share Price / Book1.16Miscellaneous Outstanding Shares15,410,000Free Float14,838,000Market Cap$321.30 million OptionableOptionable Beta0.46 Social Links Unlock the Potential in Options TradingOptions trading isn’t just for the Wall Street elite; it’s an accessible strategy for anyone armed with the proper knowledge. Think of options as a strategic toolkit, with each tool designed for a specific financial task. Keep reading to learn how options trading can help you use the market’s volatility to your advantage.Get This Free Report This page (NASDAQ:CZNC) was last updated on 11/13/2024 by MarketBeat.com Staff From Our PartnersBill Gates’s Next Big AI Bet: StargateIn February 2016… when almost nobody was talking about artificial intelligence…. I picked Nvidia as one of ...Brownstone Research | SponsoredThe Crypto That’s Making Wall Street SweatThe Crypto Wall Street Is Desperate to Hide It's happening now, right under everyone's radar. 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