CZNC logo

Citizens & Northern (CZNC)

Profile

Full Name

Citizens & Northern Corporation

Ticker Symbol

CZNC

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

April 5, 1994

Indexes

Not included

Website

http://www.cnbankpa.com

Employees

386

Key Details

Price

$18.32(-0.49%)

Market cap

$283.34M(Small cap)

Last Dividend

$0.28

TTM Dividend yield

6.11%

Annual revenue

$106.51M(+3.27% YoY)

Annual EPS

$1.69(+7.64% YoY)

PE ratio

10.84

Next earnings date

May 7, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$18.32
CZNC price is $18.32

30-Day Relative Volume

0.85
CZNC 30-day relative volume is 0.85

Price Performance

Price Most recent change

-0.49%
CZNC price was down -0.49% on Apr 11, 2025

Price YTD change

-1.51%
CZNC price is down -1.51% since January 1st

Price 1-year change

+7.51%
CZNC price is up +7.51% year-on-year

Price 3-year change

-25.1%
CZNC price is down -25.1% over the past 3 years

Price Range

Price All-time high

$36.41
CZNC price is currently -49.68% below its historical high of $36.41

Price 3-year low

$16.50
CZNC price is currently +11.03% above its 3-year low

Capitalization

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Market cap

Market cap

$283.34M
CZNC market capitalization is $283.34 million

Market cap 3-year change

-26.31%
CZNC market capitalization is down -26.31% over the past 3 years

Market cap All-time high

$437.25M
CZNC market capitalization is currently -35.20% below its historical high of $437.25 million

Market cap sector rank

39.73%
CZNC market capitalization is higher than 39.73% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

+0.57%
CZNC shares outstanding is up +0.57% year-on-year

Shares Outstanding 3-Year Change

-1.61%
CZNC shares outstanding is down -1.61% over the past 3 years

Technical Indicators

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Beta

0.67
CZNC beta is 0.67

200-day SMA

$19.68
CZNC price is currently -6.90% below its 200-day simple moving average

50-day SMA

$20.54
CZNC price is currently -10.79% below its 50-day simple moving average

RSI

33.22
CZNC 14-day relative strength index is 33.22

Volume

0.85
CZNC 30-day relative volume is 0.85

ATR

$0.90
CZNC average true range is $0.90

10-day Historical Volatility

40.74%
CZNC 10-day historical volatility is 40.74%

Dividend

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Events

Last Paid Dividend

$0.28
CZNC last dividend was $0.28 per share, with an ex-dividend date of February 3, 2025

Next Dividend

-
CZNC next dividend has not yet been announced

Dividend per share

Dividend per share

$1.12
CZNC annual dividend per share is $1.12

Dividend per share Sector Rank

59.77%
CZNC annual dividend per share is higher than 59.77% of companies in Financial Services sector

Dividend per share 1-Year Change

+33.33%
CZNC annual dividend per share is up +33.33% year-on-year

Dividend per share 3-Year Change

+0.9%
CZNC annual dividend per share is up +0.9% over the past 3 years

Dividend yield

Dividend yield

6.11%
CZNC annual dividend yield is 6.11%

Dividend yield Sector Rank

61.42%
CZNC annual dividend yield is higher than 61.42% of companies in Financial Services sector

Other

Payout ratio

59.83%
CZNC annual payout ratio is 59.83%

Dividends paid

$15.53M
CZNC annual dividends paid is $15.53 million

Free cash flow

$31.13M
CZNC annual free cash flow is $31.13 million

Income Statement

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Revenue

Revenue

$106.51M
CZNC annual revenue is $106.51 million

Revenue Analysts estimate

$113.80M
CZNC annual revenue is currently -6.41% lower than the consensus analysts' forecast

Revenue 1-year change

+3.27%
CZNC annual revenue is up +3.27% year-on-year

Revenue Sector rank

46.76%
CZNC annual revenue is higher than 46.76% of companies in Financial Services sector

EPS

EPS

$1.69
CZNC annual earnings per share is $1.69

EPS Analysts estimate

$1.91
CZNC annual earnings per share is currently -11.52% lower than the consensus analysts' forecast

EPS 1-year change

+7.64%
CZNC annual earnings per share is up +7.64% year-on-year

EPS Sector rank

53.92%
CZNC annual earnings per share is higher than 53.92% of companies in Financial Services sector

Profit

Gross profit

-
CZNC annual gross profit value is unknown

Gross margin

-
CZNC annual gross profit margin value is unknown

Operating profit

-
CZNC annual operating income value is unknown

Operating margin

-
CZNC annual operating profit margin value is unknown

Net income

$25.96M
CZNC annual net profit is $25.96 million

Net margin

24.37%
CZNC annual net profit margin is 24.37%

Expenses

Total expenses

-
CZNC annual total expenses value is unknown

Operating expenses

$44.93M
CZNC annual total operating expenses is $44.93 million

Cost of goods sold

-
CZNC annual cost of goods sold value is unknown

Selling, general & administrative expenses

$44.93M
CZNC annual SGA is $44.93 million

Depreciation and amortization

$2.18M
CZNC annual depreciation & amortization is $2.18 million

Interest expense

-
CZNC annual interest expense value is unknown

Income tax

$5.91M
CZNC annual income tax is $5.91 million

EBIT & EBITDA

EBIT

$80.83M
CZNC annual earnings before interest & taxes is $80.83 million

EBITDA

$83.02M
CZNC annual EBITDA is $83.02 million

Balance Sheet

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Assets

Total assets

$2.61B
CZNC annual total assets is $2.61 billion

Non current assets

$2.41B
CZNC annual long term assets is $2.41 billion

Current assets

$528.55M
CZNC annual total current assets is $528.55 million

Cash and cash equivalents

$126.17M
CZNC annual cash & cash equivalents is $126.17 million

Accounts receivable

$8.73M
CZNC annual accounts receivable is $8.73 million

Inventory

-
CZNC annual inventory value is unknown

Liabilities

Total liabilities

$2.34B
CZNC annual total liabilities is $2.34 billion

Long term liabilities

$2.30B
CZNC annual total long term liabilities is $2.30 billion

Current liabilities

$2.49M
CZNC annual total current liabilities is $2.49 million

Accounts payable

-
CZNC annual accounts payable value is unknown

Debt

Total debt

$207.67M
CZNC annual total debt is $207.67 million

Total debt 1-year change

+17.18%
CZNC annual total debt is up +17.18% year-on-year

Long term debt

$207.67M
CZNC annual long term debt is $207.67 million

Short term debt

$0.00
CZNC annual short term debt is $0.00

Equity & Capital

Shareholders equity

$275.28M
CZNC annual stockholders equity is $275.28 million

Book value

$275.28M
CZNC annual book value is $275.28 million

Retained earnings

$165.78M
CZNC annual retained earnings is $165.78 million

Working capital

$354.86M
CZNC annual working capital is $354.86 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$33.03M
CZNC annual cash flow from operations is $33.03 million

Cash from operations 1-year change

-1.53%
CZNC annual cash flow from operations is down -1.53% year-on-year

Cash from investing

-$20.94M
CZNC annual cash flow from investing activities is -$20.94 million

Cash from investing 1-year change

+60.64%
CZNC annual cash flow from investing activities is up +60.64% year-on-year

Cash from financing

$58.70M
CZNC annual cash flow from financing activities is $58.70 million

Cash from financing 1-year change

+137.32%
CZNC annual cash flow from financing activities is up +137.32% year-on-year

CAPEX

CAPEX

$1.91M
CZNC annual capital expenditures is $1.91 million

CAPEX 1-year change

-15.85%
CZNC annual capital expenditures is down -15.85% year-on-year

Free Cash Flow

Free cash flow

$31.13M
CZNC annual free cash flow is $31.13 million

Free cash flow 1-year change

-0.49%
CZNC annual free cash flow is down -0.49% year-on-year

Profitability Ratios

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Margins

Gross margin

-
CZNC annual gross profit margin value is unknown

Operating margin

-
CZNC annual operating profit margin value is unknown

Net margin

24.37%
CZNC annual net profit margin is 24.37%

ROA & ROE

ROA

1.01%
CZNC annual return on assets is 1.01%

ROE

9.66%
CZNC annual return on equity is 9.66%

Valuation

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PE Ratio

PE ratio

10.84
CZNC price to earnings ratio is 10.84

PE ratio Sector rank

40.44%
CZNC price to earnings ratio is higher than 40.44% of companies in Financial Services sector

PB Ratio

PB ratio

1.03
CZNC price to book ratio is 1.03

PB ratio Sector rank

49.38%
CZNC price to book ratio is higher than 49.38% of companies in Financial Services sector

PS Ratio

PS ratio

2.66
CZNC price to sales ratio is 2.66

PS ratio Sector rank

51.23%
CZNC price to sales ratio is higher than 51.23% of companies in Financial Services sector

Enterprise value

Enterprise value

$364.83M
CZNC enterprise value is $364.83 million

Enterprise value Sector rank

41.06%
CZNC enterprise value is higher than 41.06% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

4.39
CZNC EV/EBITDA is 4.39

EV/EBITDA Sector rank

58.47%
CZNC EV/EBITDA is higher than 58.47% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

143.63
CZNC annual current ratio is 143.63

Quick ratio

-
CZNC annual quick ratio value is unknown

Leverage

Debt to equity

0.75
CZNC annual debt to equity ratio is 0.75

Interest coverage ratio

-
CZNC annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
CZNC piotroski f-score value is unknown

Altman Z-Score

0.47
CZNC altman z-score is 0.47

Analyst ratings

Recent major analysts updates

Jun 27, 23 Janney Montgomery Scott
Neutral
Apr 24, 23 Piper Sandler
Neutral
Oct 27, 20 Piper Sandler
Overweight
Sep 28, 20 Piper Sandler
Overweight

Institutional Ownership

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  • What is the ticker symbol for Citizens & Northern?
  • Does Citizens & Northern pay dividends?
  • What sector is Citizens & Northern in?
  • What industry is Citizens & Northern in?
  • What country is Citizens & Northern based in?
  • When did Citizens & Northern go public?
  • Is Citizens & Northern in the S&P 500?
  • Is Citizens & Northern in the NASDAQ 100?
  • Is Citizens & Northern in the Dow Jones?
  • When was Citizens & Northern's last earnings report?
  • When does Citizens & Northern report earnings?
  • Should I buy Citizens & Northern stock now?

What is the ticker symbol for Citizens & Northern?

The ticker symbol for Citizens & Northern is NASDAQ:CZNC

Does Citizens & Northern pay dividends?

Yes, Citizens & Northern pays dividends. The last payment was $0.28, with an ex-dividend date on February 3, 2025

What sector is Citizens & Northern in?

Citizens & Northern is in the Financial Services sector

What industry is Citizens & Northern in?

Citizens & Northern is in the Banks - Regional industry

What country is Citizens & Northern based in?

Citizens & Northern is headquartered in United States

When did Citizens & Northern go public?

Citizens & Northern's initial public offering (IPO) was on April 5, 1994

Is Citizens & Northern in the S&P 500?

No, Citizens & Northern is not included in the S&P 500 index

Is Citizens & Northern in the NASDAQ 100?

No, Citizens & Northern is not included in the NASDAQ 100 index

Is Citizens & Northern in the Dow Jones?

No, Citizens & Northern is not included in the Dow Jones index

When was Citizens & Northern's last earnings report?

Citizens & Northern's most recent earnings report was on Jan 23, 2025

When does Citizens & Northern report earnings?

The next expected earnings date for Citizens & Northern is May 7, 2025

Should I buy Citizens & Northern stock now?

As of today, analysts generally recommend a 'Hold' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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