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CZNC Quote, Financials, Valuation and Earnings
Last price:
$21.73
Seasonality move
:
0.85%
Day range:
$21.65 - $22.30
52-week range:
$18.02 - $24.12
Dividend yield:
5.17%
P/E ratio:
14.69x
P/S ratio:
2.03x
P/B ratio:
1.13x
Volume:
48.4K
Avg. volume:
52.3K
1-year change:
10.19%
Market cap:
$386.1M
Revenue:
$170M
EPS (TTM):
$1.48
Analysts' Opinion
-
Consensus RatingCitizens & Northern Corp. has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $24.25, Citizens & Northern Corp. has an estimated upside of 11.93% from its current price of $21.84.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $23.50 representing 100% downside risk from its current price of $21.84.
Fair Value
-
According to the consensus of 2 analysts, Citizens & Northern Corp. has 11.93% upside to fair value with a price target of $24.25 per share.
CZNC vs. S&P 500
-
Over the past 5 trading days, Citizens & Northern Corp. has underperformed the S&P 500 by -3.32% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Citizens & Northern Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Citizens & Northern Corp. has grown year-over-year revenues for 6 quarters straight. In the most recent quarter Citizens & Northern Corp. reported revenues of $49.8M.
Earnings Growth
-
Citizens & Northern Corp. earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens & Northern Corp. reported earnings per share of $0.25.
Enterprise value:
579.2M
EV / Invested capital:
1.08x
Price / LTM sales:
2.03x
EV / EBIT:
7.62x
EV / Revenue:
3.41x
PEG ratio (5yr expected):
0.56x
EV / Free cash flow:
20.59x
Price / Operating cash flow:
12.28x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.85%
Net Income Margin (TTM):
13.67%
Return On Equity:
7.86%
Return On Invested Capital:
4.77%
Operating Margin:
24.67%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-12-31 | 2024-12-31 | 2025-12-31 | 2024-12-31 | 2025-12-31 | |
| Income Statement | ||||||
| Revenue | $151.9M | $157.3M | $170.1M | $40.9M | $49.8M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $30.5M | $31.8M | $36.6M | $10.1M | $12.3M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.57 | $1.68 | $1.48 | $0.53 | $0.25 | |
| Period Ending | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $122M | $64M | $66.5M | $135.1M | $57.8M | |
| Total Assets | $2.3B | $2.5B | $2.5B | $2.6B | $3.1B | |
| Current Liabilities | $539.2M | $654.3M | $848.8M | $851.5M | $1.1B | |
| Total Liabilities | $2B | $2.2B | $2.3B | $2.3B | $2.8B | |
| Total Equity | $301.4M | $249.3M | $262.4M | $275.3M | $341.7M | |
| Total Debt | $79M | $105.2M | $180.8M | $207.7M | $163.7M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-12-31 | 2024-12-31 | 2025-12-31 | 2024-12-31 | 2025-12-31 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $33.1M | $34.1M | $30M | $10.8M | $10M | |
| Cash From Investing | -$52.7M | -$22M | $2.2M | -$4.7M | $50.6M | |
| Cash From Financing | $24.7M | $58.7M | -$111.1M | -$63.9M | -$137.4M | |
| Free Cash Flow | $807K | $32.2M | $28.1M | $10.5M | $9.5M | |
CZNC
Sector
Market Cap
$386.1M
$532M
Price % of 52-Week High
89.84%
85.32%
Dividend Yield
5.17%
1.5%
Shareholder Yield
7.43%
2.77%
1-Year Price Total Return
7.73%
7.76%
Beta (5-Year)
0.543
0.431
Dividend yield:
5.17%
Annualized payout:
$1.12
Payout ratio:
111.47%
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$22.45
200-day SMA
Buy
Level
$20.24
Bollinger Bands (100)
Buy
Level
19.56 - 22.58
Chaikin Money Flow
Sell
Level
-1.7M
20-day SMA
Sell
Level
$22.98
Relative Strength Index (RSI14)
Sell
Level
39.26
ADX Line
Sell
Level
22.04
Williams %R
Buy
Level
-85.5731
50-day SMA
Sell
Level
$22.14
MACD (12, 26)
Sell
Level
-0.08
25-day Aroon Oscillator
Sell
Level
-64
On Balance Volume
Neutral
Level
430.7K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.1043)
Sell
CA Score
(Annual)
Level (-2.1263)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (4.4469)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (1)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.
Stock Forecast FAQ
In the current month, CZNC has received 0 Buy ratings 2 Hold ratings, and 0 Sell ratings. The CZNC average analyst price target in the past 3 months is $24.25.
-
Where Will Citizens & Northern Corp. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Citizens & Northern Corp. share price will rise to $24.25 per share over the next 12 months.
-
What Do Analysts Say About Citizens & Northern Corp.?
Analysts are divided on their view about Citizens & Northern Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens & Northern Corp. is a Sell and believe this share price will drop from its current level to $23.50.
-
What Is Citizens & Northern Corp.'s Price Target?
The price target for Citizens & Northern Corp. over the next 1-year time period is forecast to be $24.25 according to 2 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.
-
Is CZNC A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Citizens & Northern Corp. is a Hold. 2 of 2 analysts rate the stock a Hold at this time.
-
How Can I Buy Shares Of CZNC?
You can purchase shares of Citizens & Northern Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens & Northern Corp. shares.
-
What Is The Citizens & Northern Corp. Share Price Today?
Citizens & Northern Corp. was last trading at $21.73 per share. This represents the most recent stock quote for Citizens & Northern Corp.. Yesterday, Citizens & Northern Corp. closed at $21.84 per share.
-
How To Buy Citizens & Northern Corp. Stock Online?
In order to purchase Citizens & Northern Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
CZNC
Sector
P/E ratio
14.69x
11.80x
PEG ratio
0.56x
0.31x
P/B ratio
1.13x
1.09x
Price / LTM sales
2.03x
1.77x
Growth Metrics
CZNC
Sector
Revenue growth
21.83%
5.52%
Earnings growth
-52.15%
10.45%
Revenue (5-year growth)
10.83%
9.22%
Earnings forecast
$0.59
$0.61
Profitability
CZNC
Sector
Profitability FY 2025
--
--
Return on invested capital
4.77%
5.13%
Return on assets
0.85%
1.04%
Return on equity
7.86%
9.95%
Earnings Date
Last Earnings Date
Jan
30
Next Earnings Date
Apr
22
Estimated Next Earnings Date
May
1
Balance Sheet
CZNC
Sector
Total cash
$343.3M
$410.9M
Short term investments
$222.4M
$179.4M
Total assets
$3.1B
$3.1B
Long term debt
$163.7M
$67.9M
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