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Business Description
Citizens & Northern Corp
NAICS : 522110
SIC : 6022
ISIN : US1729221069
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Traded in other countries / regions
CZNC.USA Index Membership
Russell 2000Russell 3000 IPO Date
1994-03-16Description
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.62 | |||||
| Equity-to-Asset | 0.11 | |||||
| Debt-to-Equity | 0.75 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -2.57 | |||||
| WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 2.4 | |||||
| 3-Year EPS without NRI Growth Rate | -4.2 | |||||
| 3-Year FCF Growth Rate | -0.8 | |||||
| 3-Year Book Growth Rate | -2.3 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 39.21 | |||||
| 9-Day RSI | 43.2 | |||||
| 14-Day RSI | 45.17 | |||||
| 3-1 Month Momentum % | 15.22 | |||||
| 6-1 Month Momentum % | 8.49 | |||||
| 12-1 Month Momentum % | 13.68 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 5.55 | |||||
| Dividend Payout Ratio | 0.66 | |||||
| 3-Year Dividend Growth Rate | 0.3 | |||||
| Forward Dividend Yield % | 5.55 | |||||
| 5-Year Yield-on-Cost % | 5.12 | |||||
| 3-Year Average Share Buyback Ratio | 0.7 | |||||
| Shareholder Yield % | -1.88 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 24.37 | |||||
| FCF Margin % | 29.23 | |||||
| ROE % | 9.69 | |||||
| ROA % | 1.01 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.93 | |||||
| Forward PE Ratio | 10.56 | |||||
| PE Ratio without NRI | 11.93 | |||||
| Shiller PE Ratio | 11.24 | |||||
| Price-to-Owner-Earnings | 11.19 | |||||
| PS Ratio | 2.89 | |||||
| PB Ratio | 1.13 | |||||
| Price-to-Tangible-Book | 1.41 | |||||
| Price-to-Free-Cash-Flow | 9.9 | |||||
| Price-to-Operating-Cash-Flow | 9.32 | |||||
| EV-to-Revenue | 3.67 | |||||
| EV-to-FCF | 12.56 | |||||
| Price-to-GF-Value | 0.95 | |||||
| Price-to-Projected-FCF | 0.63 | |||||
| Price-to-Median-PS-Value | 0.69 | |||||
| Price-to-Graham-Number | 0.86 | |||||
| FCF Yield % | 9.98 | |||||
| Forward Rate of Return (Yacktman) % | 7.16 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Citizens & Northern Corp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 106.506 | ||
| EPS (TTM) ($) | 1.69 | ||
| Beta | 0.52 | ||
| 3-Year Sharpe Ratio | -0.25 | ||
| 3-Year Sortino Ratio | -0.35 | ||
| Volatility % | 26.92 | ||
| 14-Day RSI | 45.17 | ||
| 14-Day ATR ($) | 0.481102 | ||
| 20-Day SMA ($) | 20.397 | ||
| 12-1 Month Momentum % | 13.68 | ||
| 52-Week Range ($) | 16.5 - 22.68 | ||
| Shares Outstanding (Mil) | 15.47 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Citizens & Northern Corp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Citizens & Northern Corp Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Citizens & Northern Corp Frequently Asked Questions
What is Citizens & Northern Corp(CZNC)'s stock price today?
The current price of CZNC is $20.17. The 52 week high of CZNC is $22.68 and 52 week low is $16.50.
When is next earnings date of Citizens & Northern Corp(CZNC)?
The next earnings date of Citizens & Northern Corp(CZNC) is 2025-05-07 Est..
Does Citizens & Northern Corp(CZNC) pay dividends? If so, how much?
The Dividend Yield %  of Citizens & Northern Corp(CZNC) is 5.55% (As of Today), Highest Dividend Payout Ratio of Citizens & Northern Corp(CZNC) was 0.95. The lowest was 0.54. And the median was 0.65. The  Forward Dividend Yield % of Citizens & Northern Corp(CZNC) is 5.55%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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