NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $18.48 +0.12 (+0.65%) (As of 10/3/2024 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$18.30▼$18.6250-Day Range$17.77▼$21.6052-Week Range$16.50▼$23.50Volume14,277 shsAverage Volume25,058 shsMarket Capitalization$284.15 millionP/E Ratio12.16Dividend Yield6.06%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… Who are Nvidia’s New Silent Partners? (Ad)Nvidia recently became just the third $2 trillion company. But Nvidia can’t do everything by itself.I call these Nvidia’s “Silent Partners.” Citizens & Northern Stock Analysis - MarketRank™See Top Rated MarketRank™ Stocks79th Percentile Overall ScoreCZNC MarketRank™: Citizens & Northern scored higher than 79% of companies evaluated by MarketBeat, and ranked 337th out of 955 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.Read more about Citizens & Northern's stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth8.43% 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 12.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 129.64.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 12.16, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 38.51.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.08. 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 Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.49% 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 2.6, 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 4.97%, indicating that investor sentiment is improving. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.69%, 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. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.49% 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 2.6, 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 4.97%, indicating that investor sentiment is improving. News and Social Media2.5 / 5News Sentiment0.51 News SentimentCitizens & Northern has a news sentiment score of 0.51. 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 lower news sentiment than the 0.71 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens & Northern this week, compared to 0 articles on an average week.MarketBeat Follows2 people have added Citizens & Northern to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days. 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 $8,108.00 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 HeadlinesCitizens & Northern (NASDAQ:CZNC) Stock Crosses Above 200 Day Moving Average of $18.37October 3 at 12:28 AM | americanbankingnews.comFinancial Analysis: First Busey (NASDAQ:BUSE) versus Citizens & Northern (NASDAQ:CZNC)September 26, 2024 | americanbankingnews.comNext opportunity for crypto millionsOctober isn't just another month in crypto. It's the launchpad for what could be the most explosive bull run in history. And I've found the rocket fuel… One coin is quietly positioning itself to outperform the entire market. The signs are everywhere…October 3, 2024 | Crypto 101 Media (Ad)OZK 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.comC&N Teams Raise Over $98,000 for Local Senior CitizensJune 21, 2024 | prnewswire.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 beginning of the year. Since then, CZNC stock has decreased by 17.6% and is now trading at $18.48. View the best growth stocks for 2024 here. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) posted its earnings results on Wednesday, August, 7th. The financial services provider reported $0.40 earnings per share for the quarter, beating analysts' consensus estimates of $0.37 by $0.03. The financial services provider had revenue of $27.50 million for the quarter, compared to analyst estimates of $26.90 million. Citizens & Northern had a net margin of 15.75% and a trailing twelve-month return on equity of 9.06%. Who are Citizens & Northern's major shareholders? Top institutional shareholders of Citizens & Northern include 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, 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). Company Calendar Ex-Dividend for 8/9 Dividend7/29/2024Last Earnings8/07/2024Dividend Payable8/09/2024Today10/03/2024Next 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 Ratio12.16 Forward P/E Ratio11.13 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 / Sales2.77 Cash Flow$1.72 per share Price / Cash Flow10.74 Book Value$17.18 per share Price / Book1.08Miscellaneous Outstanding Shares15,376,000Free Float14,801,000Market Cap$284.15 million OptionableOptionable Beta0.46 Social Links These 7 Stocks Will Be Magnificent in 2024With average gains of 150% since the start of 2023, now is the time to give these stocks a look and pump up your 2024 portfolio.Get This Free Report This page (NASDAQ:CZNC) was last updated on 10/3/2024 by MarketBeat.com Staff From Our PartnersWe recommended Nvidia in 2016, now we’re recommending this…The AI boom is just getting started. 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