Citizens & Northern (CZNC) Stock Price, News & Analysis

Company Overview

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.

Key Stats

• Today's Range: $18.65 to $18.92
• 50-Day Range: $18.36 to $20.20
• 52-Week Range: $16.50 to $23.50
• Volume: 5,083 shs
• Average Volume: 24,022 shs
• Market Capitalization: $290.26 million
• P/E Ratio: 13.10
• Dividend Yield: 5.94%
• Price Target: N/A
• Consensus Rating: N/A

Citizens & Northern Stock Analysis - MarketRank™

Citizens & Northern scored higher than 83% of companies evaluated by MarketBeat, and ranked 246th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens & Northern.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.63%

Earnings Growth

Earnings 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 Market

The P/E ratio of Citizens & Northern is 13.14, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 131.22.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens & Northern is 13.14, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 44.63.

Price to Book Value per Share Ratio

Citizens & Northern has a P/B Ratio of 1.10. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.39% of the float of Citizens & Northern has been sold short.

Short Interest Ratio / Days to Cover

Citizens & Northern has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens & Northern has recently decreased by 10.19%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Citizens & Northern is a leading dividend payer. It pays a dividend yield of 5.92%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Citizens & Northern does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Citizens & Northern is 77.78%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.39% of the float of Citizens & Northern has been sold short.

Short Interest Ratio / Days to Cover

Citizens & Northern has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Citizens & Northern has recently decreased by 10.19%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Citizens & 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 0.58 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Citizens & Northern this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $4,060.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.74% of the stock of Citizens & Northern is held by insiders.

Percentage Held by Institutions

Only 30.83% of the stock of Citizens & Northern is held by institutions.

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 15.6% and is now trading at $18.92.
View the best growth stocks for 2024 here.

How were Citizens & Northern's earnings last quarter?

Citizens & Northern Co. (NASDAQ:CZNC) posted its quarterly earnings data on Thursday, October, 17th. The financial services provider reported $0.41 earnings per share for the quarter, missing the consensus estimate of $0.45 by $0.04. The financial services provider earned $27.49 million during the quarter, compared to analyst estimates of $28.10 million. Citizens & Northern had a trailing twelve-month return on equity of 8.40% and a net margin of 14.47%.

Who are Citizens & Northern's major shareholders?

Citizens & Northern's top institutional investors include IVC Wealth Advisors LLC (0.65%) 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

• Ex-Dividend for 8/9 Dividend: 7/29/2024
• Dividend Payable: 8/09/2024
• Last Earnings: 10/17/2024
• Ex-Dividend for 11/8 Dividend: 10/28/2024
• Today: 11/04/2024
• Dividend Payable: 11/08/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 3/10/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CZNC
• CUSIP: 17292210
• CIK: 810958
• Web: www.cnbankpa.com
• Phone: (570) 724-3411
• Fax: 570-724-6395
• Employees: 404
• Year Founded: 1864

Profitability

• EPS (Most Recent Fiscal Year): $1.44
• Trailing P/E Ratio: 12.99
• Forward P/E Ratio: 11.69
• P/E Growth: N/A
• Net Income: $24.15 million
• Net Margins: 14.47%
• Pretax Margin: 19.83%
• Return on Equity: 8.40%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: 0.86
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $137.92 million
• Price / Sales: 2.09
• Cash Flow: $1.82 per share
• Price / Cash Flow: 10.30
• Book Value: $17.18 per share
• Price / Book: 1.09

Miscellaneous

• Outstanding Shares: 15,390,000
• Free Float: 14,816,000
• Market Cap: $287.79 million
• Optionable: Optionable
• Beta: 0.46