Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Sell
43
CZNC Quote, Financials, Valuation and Earnings
Last price:
$20.60
Seasonality move
:
0.2%
Day range:
$20.86 - $21.60
52-week range:
$17.85 - $22.68
Dividend yield:
5.43%
P/E ratio:
11.79x
P/S ratio:
1.97x
P/B ratio:
1.25x
Volume:
44.1K
Avg. volume:
70K
1-year change:
13.01%
Market cap:
$367.3M
Revenue:
$157.3M
EPS (TTM):
$1.75
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, 1 Hold rating, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $22.50, Citizens & Northern Corp. has an estimated upside of 9.07% from its current price of $20.94.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $22.50 representing 100% downside risk from its current price of $20.94.
Fair Value
-
According to the consensus of 1 analyst, Citizens & Northern Corp. has 9.07% upside to fair value with a price target of $22.50 per share.
CZNC vs. S&P 500
-
Over the past 5 trading days, Citizens & Northern Corp. has underperformed the S&P 500 by -7.98% 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 5 quarters straight. In the most recent quarter Citizens & Northern Corp. reported revenues of $40.9M.
Earnings Growth
-
Citizens & Northern Corp. has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Citizens & Northern Corp. reported earnings per share of $0.42.
Enterprise value:
541.5M
EV / Invested capital:
1.16x
Price / LTM sales:
1.97x
EV / EBIT:
6.71x
EV / Revenue:
3.36x
PEG ratio (5yr expected):
0.54x
EV / Free cash flow:
18.63x
Price / Operating cash flow:
10.92x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.02%
Net Income Margin (TTM):
16.7%
Return On Equity:
9.51%
Return On Invested Capital:
5.6%
Operating Margin:
21.73%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $148M | $152.4M | $161.1M | $40.3M | $40.9M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $34.1M | $27.7M | $34.4M | $7.8M | $8.9M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.79 | $1.44 | $1.75 | $0.41 | $0.42 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $207.7M | $72.9M | $62.6M | $193.8M | $133.1M | |
| Total Assets | $2.4B | $2.4B | $2.5B | $2.7B | $2.7B | |
| Current Liabilities | $534.6M | $564.9M | $522.8M | $536M | $523.2M | |
| Total Liabilities | $2.1B | $2.2B | $2.2B | $2.4B | $2.4B | |
| Total Equity | $299.4M | $238.8M | $240.2M | $277.3M | $294M | |
| Total Debt | $86.4M | $94.8M | $164.8M | $214.3M | $172.8M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $34.4M | $30.3M | $30.9M | $8.1M | $8.9M | |
| Cash From Investing | -$95.4M | -$29.5M | -$53.1M | $20.5M | -$26.7M | |
| Cash From Financing | $53.8M | $132.2M | -$37.6M | $56.2M | $42M | |
| Free Cash Flow | $32.7M | -$2.1M | $29.1M | $7.9M | $8.5M | |
CZNC
Sector
Market Cap
$367.3M
$570M
Price % of 52-Week High
90.96%
92.18%
Dividend Yield
5.43%
1.57%
Shareholder Yield
10.13%
3.12%
1-Year Price Total Return
11.51%
7.87%
Beta (5-Year)
0.571
0.478
Dividend yield:
5.43%
Annualized payout:
$1.12
Payout ratio:
66.35%
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$21.60
200-day SMA
Buy
Level
$19.56
Bollinger Bands (100)
Buy
Level
19.06 - 20.56
Chaikin Money Flow
Sell
Level
-1.8M
20-day SMA
Buy
Level
$20.84
Relative Strength Index (RSI14)
Buy
Level
54.22
ADX Line
Sell
Level
22.31
Williams %R
Neutral
Level
-69.7885
50-day SMA
Buy
Level
$19.94
MACD (12, 26)
Buy
Level
0.48
25-day Aroon Oscillator
Buy
Level
80
On Balance Volume
Neutral
Level
665.5K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.0042)
Sell
CA Score
(Annual)
Level (-2.1143)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (3.4341)
Buy
Piotroski F Score
(Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
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 1 Hold ratings, and 0 Sell ratings. The CZNC average analyst price target in the past 3 months is $22.50.
-
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 $22.50 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 $22.50.
-
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 $22.50 according to 1 Wall Street analyst, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates 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. 1 of 1 analysts rates 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 $20.60 per share. This represents the most recent stock quote for Citizens & Northern Corp.. Yesterday, Citizens & Northern Corp. closed at $20.94 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.
Get CZNC Stock Alert
Signup to receive the latest stock alerts
Financial Ratios
CZNC
Sector
P/E ratio
11.79x
12.24x
PEG ratio
0.54x
0.31x
P/B ratio
1.25x
1.11x
Price / LTM sales
1.97x
1.84x
Growth Metrics
CZNC
Sector
Revenue growth
1.72%
5.54%
Earnings growth
2.08%
14.85%
Revenue (5-year growth)
13.35%
8.84%
Earnings forecast
$0.53
$0.62
Profitability
CZNC
Sector
Profitability FY 2024
--
--
Return on invested capital
5.6%
5.01%
Return on assets
1.02%
1.01%
Return on equity
9.51%
9.68%
Earnings Date
Last Earnings Date
Oct
23
Next Earnings Date
Jan
22
Estimated Next Earnings Date
Jan
22
Balance Sheet
CZNC
Sector
Total cash
$343.3M
$431.4M
Short term investments
$222.4M
$211.3M
Total assets
$2.6B
$3.1B
Long term debt
$172.8M
$79M
SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS
GET BETTER TRADE IDEAS
Popular
Is SentinelOne Stock Undervalued?
Cybersecurity major SentinelOne (NYSE:S) has struggled over several years, delivering…
Is Broadcom Stock on Sale?
Chip and software maker Broadcom (NASDAQ:AVGO) has been among the…
Stock Ideas
Buy
59
Is NVDA Stock a Buy?
Market Cap: $4.6T
P/E Ratio: 64x
Buy
53
Is AAPL Stock a Buy?
Market Cap: $4T
P/E Ratio: 36x
Buy
61
Is GOOG Stock a Buy?
Market Cap: $3.8T
P/E Ratio: 39x
Alerts
Buy
60
AAOI alert for Dec 24
Applied Optoelectronics, Inc. [AAOI] is up 5.1% over the past day.
Buy
85
HUT alert for Dec 24
Hut 8 Corp. [HUT] is up 0.65% over the past day.
Buy
63
GPCR alert for Dec 24
Structure Therapeutics, Inc. [GPCR] is down 2.36% over the past day.
THE #1 STOCK ANALYSIS TOOL
TO MAKE SMARTER BUY AND SELL DECISIONS
Show me the best stock
