Financial Services - Banks - Regional - NASDAQ - US
$ 20.18
-1.08 %
$ 311 M
Market Cap
14.01
P/E
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents.[ Read More ]
The intrinsic value of one CZNC stock under the base case scenario is HIDDEN Compared to the current market price of 20.2 USD, Citizens & Northern Corporation is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart CZNC
FINANCIALS
105 M
REVENUE
30.5 M
OPERATING INCOME
24.1 M
NET INCOME
33.5 M
OPERATING CASH FLOW
-53.2 M
INVESTING CASH FLOW
24.7 M
FINANCING CASH FLOW
26.8 M
REVENUE
13.4 M
OPERATING INCOME
6.45 M
NET INCOME
5.8 M
OPERATING CASH FLOW
22.8 M
INVESTING CASH FLOW
56.2 M
FINANCING CASH FLOW
Balance Sheet Decomposition
Citizens & Northern Corporation
| Current Assets | -264 M |
| Cash & Short-Term Investments | -330 M |
| Receivables | 0 |
| Other Current Assets | 66.5 M |
| Non-Current Assets | 2.88 B |
| Long-Term Investments | 416 M |
| PP&E | 25.2 M |
| Other Non-Current Assets | 2.43 B |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 63.7 M |
| Other Current Liabilities | -63.7 M |
| Non-Current Liabilities | 2.25 B |
| Long-Term Debt | 146 M |
| Other Non-Current Liabilities | 2.11 B |
EFFICIENCY
Earnings Waterfall
Citizens & Northern Corporation
| Revenue | 105 M |
| Cost Of Revenue | 0 |
| Gross Profit | 105 M |
| Operating Expenses | 103 M |
| Operating Income | 30.5 M |
| Other Expenses | 6.34 M |
| Net Income | 24.1 M |
RATIOS
100.00%
GROSS MARGIN
29.13%
OPERATING MARGIN
23.08%
NET MARGIN
9.20%
ROE
0.96%
ROA
5.12%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Citizens & Northern Corporation
| Net Income | 24.1 M |
| Depreciation & Amortization | 2.56 M |
| Capital Expenditures | -2.26 M |
| Stock-Based Compensation | 1.47 M |
| Change in Working Capital | 258 K |
| Others | 4.53 M |
| Free Cash Flow | 31.3 M |
Wall Street Analysts Price Targets
Citizens & Northern Corporation
CZNC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.29%
DIVIDEND YIELD
0.28 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Citizens & Northern Corporation
Sold
0-3 MONTHS
79.2 USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
11.8 K USD 2
0-3 MONTHS
43.3 K USD 3
3-6 MONTHS
38.9 K USD 3
6-9 MONTHS
30.5 K USD 3
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 month ago
Oct 16, 2024
|
Sell 79.2 USD
|
Dorwart Stephen M
Director |
- 4
|
19.79 USD |
|
1 week ago
Nov 08, 2024
|
Bought 4.05 K USD
|
Pellegrino Frank G
Director |
+ 197
|
20.58 USD |
|
1 week ago
Nov 08, 2024
|
Bought 1.85 K USD
|
Shattuck Katherine W
Director |
+ 90
|
20.58 USD |
|
2 months ago
Sep 06, 2024
|
Bought 4.06 K USD
|
Pellegrino Frank G
Director |
+ 212
|
19.15 USD |
|
2 months ago
Sep 06, 2024
|
Bought 1.86 K USD
|
Shattuck Katherine W
Director |
+ 97
|
19.15 USD |
|
3 months ago
Aug 02, 2024
|
Bought 4.05 K USD
|
Pellegrino Frank G
Director |
+ 221
|
18.3482 USD |
|
3 months ago
Aug 02, 2024
|
Bought 1.85 K USD
|
Shattuck Katherine W
Director |
+ 101
|
18.3482 USD |
|
4 months ago
Jul 08, 2024
|
Bought 4.05 K USD
|
Pellegrino Frank G
Director |
+ 239
|
16.9448 USD |
|
4 months ago
Jul 08, 2024
|
Bought 1.86 K USD
|
Shattuck Katherine W
Director |
+ 110
|
16.9448 USD |
|
5 months ago
Jun 07, 2024
|
Bought 4.06 K USD
|
Pellegrino Frank G
Director |
+ 237
|
17.151 USD |
|
5 months ago
Jun 07, 2024
|
Bought 1.87 K USD
|
Shattuck Katherine W
Director |
+ 109
|
17.151 USD |
|
5 months ago
May 29, 2024
|
Bought 25.5 K USD
|
Lehman Terry L
Director |
+ 1500
|
17 USD |
|
6 months ago
May 08, 2024
|
Bought 1.66 K USD
|
Loughery Robert G
Director |
+ 94
|
17.6757 USD |
|
6 months ago
May 08, 2024
|
Bought 1.66 K USD
|
Shattuck Katherine W
Director |
+ 94
|
17.6757 USD |
|
6 months ago
May 08, 2024
|
Bought 2 K USD
|
Pellegrino Frank G
Director |
+ 113
|
17.6757 USD |
|
6 months ago
May 03, 2024
|
Bought 2.84 K USD
|
Shattuck Katherine W
Director |
+ 159
|
17.878 USD |
|
6 months ago
May 03, 2024
|
Bought 5.04 K USD
|
Pellegrino Frank G
Director |
+ 282
|
17.878 USD |
|
7 months ago
Apr 08, 2024
|
Bought 8.46 K USD
|
Shattuck Katherine W
Director |
+ 467
|
18.1065 USD |
|
7 months ago
Apr 08, 2024
|
Bought 8.85 K USD
|
Pellegrino Frank G
Director |
+ 489
|
18.1065 USD |
|
7 months ago
Apr 08, 2024
|
Bought 4.96 K USD
|
Loughery Robert G
Director |
+ 274
|
18.1065 USD |
|
8 months ago
Mar 08, 2024
|
Bought 1.69 K USD
|
Pellegrino Frank G
Director |
+ 94
|
17.9677 USD |
|
8 months ago
Mar 08, 2024
|
Bought 1.69 K USD
|
Shattuck Katherine W
Director |
+ 94
|
17.9677 USD |
|
9 months ago
Feb 02, 2024
|
Bought 2.27 K USD
|
Shattuck Katherine W
Director |
+ 107
|
21.1948 USD |
|
9 months ago
Feb 02, 2024
|
Bought 1.67 K USD
|
Pellegrino Frank G
Director |
+ 79
|
21.1948 USD |
|
10 months ago
Jan 05, 2024
|
Bought 4.98 K USD
|
Loughery Robert G
Director |
+ 224
|
22.2542 USD |
|
10 months ago
Jan 05, 2024
|
Bought 8.26 K USD
|
Shattuck Katherine W
Director |
+ 371
|
22.2542 USD |
|
10 months ago
Jan 05, 2024
|
Bought 9.86 K USD
|
Pellegrino Frank G
Director |
+ 443
|
22.2542 USD |
|
11 months ago
Dec 08, 2023
|
Bought 1.71 K USD
|
Pellegrino Frank G
Director |
+ 82
|
20.7949 USD |
|
11 months ago
Dec 08, 2023
|
Bought 1.71 K USD
|
Shattuck Katherine W
Director |
+ 82
|
20.7949 USD |
|
1 year ago
Nov 03, 2023
|
Bought 1.58 K USD
|
Pellegrino Frank G
Director |
+ 83
|
19.0938 USD |
|
1 year ago
Oct 06, 2023
|
Bought 8.66 K USD
|
Pellegrino Frank G
Director |
+ 475
|
18.2285 USD |
|
1 year ago
Oct 06, 2023
|
Bought 4.98 K USD
|
Loughery Robert G
Director |
+ 273
|
18.2285 USD |
|
1 year ago
Oct 06, 2023
|
Bought 7.66 K USD
|
Shattuck Katherine W
Director |
+ 420
|
18.2285 USD |
|
1 year ago
Sep 01, 2023
|
Bought 3.28 K USD
|
Shattuck Katherine W
Director |
+ 179
|
18.3343 USD |
|
1 year ago
Sep 01, 2023
|
Bought 3.87 K USD
|
Pellegrino Frank G
Director |
+ 211
|
18.3343 USD |
|
1 year ago
Aug 28, 2023
|
Sell 6.86 K USD
|
Watkins Tracy Ellen
EXEC. VP |
- 356
|
19.271 USD |
|
1 year ago
Aug 21, 2023
|
Sell 9.65 K USD
|
Watkins Tracy Ellen
EXEC. VP |
- 496
|
19.454 USD |
|
1 year ago
Aug 04, 2023
|
Bought 2.19 K USD
|
Pellegrino Frank G
Director |
+ 104
|
21.0535 USD |
|
1 year ago
Aug 04, 2023
|
Bought 2.19 K USD
|
Shattuck Katherine W
Director |
+ 104
|
21.0535 USD |
|
1 year ago
Jul 07, 2023
|
Bought 8.85 K USD
|
Pellegrino Frank G
Director |
+ 461
|
19.1986 USD |
|
1 year ago
Jul 07, 2023
|
Bought 6.22 K USD
|
Kilmer Bobbi J
Director |
+ 324
|
19.1986 USD |
|
1 year ago
Jul 07, 2023
|
Bought 4.97 K USD
|
Loughery Robert G
Director |
+ 259
|
19.1986 USD |
|
1 year ago
Jul 07, 2023
|
Bought 7.26 K USD
|
Shattuck Katherine W
Director |
+ 378
|
19.1986 USD |
|
1 year ago
Jun 02, 2023
|
Bought 2.8 K USD
|
Shattuck Katherine W
Director |
+ 143
|
19.5479 USD |
|
1 year ago
Jun 02, 2023
|
Bought 2.19 K USD
|
Pellegrino Frank G
Director |
+ 112
|
19.5479 USD |
|
1 year ago
May 05, 2023
|
Bought 1.6 K USD
|
Pellegrino Frank G
Director |
+ 87
|
18.3612 USD |
|
1 year ago
Apr 10, 2023
|
Bought 6.21 K USD
|
Kilmer Bobbi J
Director |
+ 302
|
20.5611 USD |
|
1 year ago
Apr 10, 2023
|
Bought 9.44 K USD
|
Pellegrino Frank G
Director |
+ 459
|
20.5611 USD |
|
1 year ago
Apr 10, 2023
|
Bought 4.98 K USD
|
Loughery Robert G
Director |
+ 242
|
20.5611 USD |
|
1 year ago
Apr 10, 2023
|
Bought 4.98 K USD
|
Shattuck Katherine W
Director |
+ 242
|
20.5611 USD |
|
1 year ago
Apr 10, 2023
|
Bought 4.98 K USD
|
Schoener Timothy E
Director |
+ 242
|
20.5611 USD |
|
1 year ago
Mar 06, 2023
|
Bought 2.99 K USD
|
Pellegrino Frank G
Director |
+ 134
|
22.3468 USD |
|
1 year ago
Feb 03, 2023
|
Bought 3.29 K USD
|
Pellegrino Frank G
Director |
+ 140
|
23.48 USD |
|
1 year ago
Jan 06, 2023
|
Bought 4.98 K USD
|
Shattuck Katherine W
Director |
+ 215
|
23.1709 USD |
|
1 year ago
Jan 06, 2023
|
Bought 4.96 K USD
|
Loughery Robert G
Director |
+ 214
|
23.1709 USD |
|
1 year ago
Jan 06, 2023
|
Bought 4.98 K USD
|
Schoener Timothy E
Director |
+ 215
|
23.1709 USD |
|
1 year ago
Jan 06, 2023
|
Bought 6.23 K USD
|
Kilmer Bobbi J
Director |
+ 269
|
23.1709 USD |
|
1 year ago
Jan 06, 2023
|
Bought 10.1 K USD
|
Pellegrino Frank G
Director |
+ 438
|
23.1709 USD |
|
1 year ago
Dec 02, 2022
|
Bought 2.3 K USD
|
Pellegrino Frank G
Director |
+ 94
|
24.4199 USD |
|
2 years ago
Nov 15, 2022
|
Bought 20.1 K USD
|
LAMBERT LEO F
Director |
+ 820
|
24.5 USD |
|
2 years ago
Nov 02, 2022
|
Bought 800 USD
|
Santiago Helen S
Director |
+ 34
|
23.54 USD |
|
2 years ago
Nov 04, 2022
|
Bought 1.59 K USD
|
Pellegrino Frank G
Director |
+ 66
|
24.0462 USD |
|
2 years ago
Oct 07, 2022
|
Bought 4.98 K USD
|
Loughery Robert G
Director |
+ 213
|
23.3745 USD |
|
2 years ago
Oct 07, 2022
|
Bought 4.98 K USD
|
Schoener Timothy E
Director |
+ 213
|
23.3745 USD |
|
2 years ago
Oct 07, 2022
|
Bought 6.22 K USD
|
Kilmer Bobbi J
Director |
+ 266
|
23.3745 USD |
|
2 years ago
Oct 07, 2022
|
Bought 10.1 K USD
|
Pellegrino Frank G
Director |
+ 434
|
23.3745 USD |
|
2 years ago
Oct 07, 2022
|
Bought 4.96 K USD
|
Shattuck Katherine W
Director |
+ 212
|
23.3745 USD |
|
2 years ago
Sep 02, 2022
|
Bought 2.6 K USD
|
Pellegrino Frank G
director: |
+ 107
|
24.2607 USD |
|
2 years ago
Aug 05, 2022
|
Bought 2.17 K USD
|
Pellegrino Frank G
director: |
+ 89
|
24.39 USD |
|
2 years ago
Jul 26, 2022
|
Bought 3.68 K USD
|
Lehman Terry L
director: |
+ 150
|
24.5 USD |
|
2 years ago
Jul 08, 2022
|
Bought 4.98 K USD
|
Shattuck Katherine W
director: |
+ 206
|
24.1661 USD |
|
2 years ago
Jul 08, 2022
|
Bought 4.98 K USD
|
Loughery Robert G
director: |
+ 206
|
24.1661 USD |
|
2 years ago
Jul 08, 2022
|
Bought 4.98 K USD
|
Schoener Timothy E
director: |
+ 206
|
24.1661 USD |
|
2 years ago
Jul 08, 2022
|
Bought 6.21 K USD
|
Kilmer Bobbi J
director: |
+ 257
|
24.1661 USD |
|
2 years ago
Jul 08, 2022
|
Bought 8.87 K USD
|
Pellegrino Frank G
director: |
+ 367
|
24.1661 USD |
|
2 years ago
Jun 03, 2022
|
Bought 2.69 K USD
|
Pellegrino Frank G
director: |
+ 110
|
24.4873 USD |
|
2 years ago
May 20, 2022
|
Bought 23.9 K USD
|
LAMBERT LEO F
director: |
+ 1000
|
23.88 USD |
|
2 years ago
May 06, 2022
|
Bought 2.2 K USD
|
Pellegrino Frank G
director: |
+ 93
|
23.637 USD |
|
2 years ago
Apr 25, 2022
|
Bought 15.7 K USD
|
Lehman Terry L
director: |
+ 650
|
24.16 USD |
|
2 years ago
Apr 08, 2022
|
Bought 4.96 K USD
|
Shattuck Katherine W
director: |
+ 203
|
24.4316 USD |
|
2 years ago
Apr 08, 2022
|
Bought 4.96 K USD
|
Schoener Timothy E
director: |
+ 203
|
24.4316 USD |
|
2 years ago
Apr 08, 2022
|
Bought 9.65 K USD
|
Pellegrino Frank G
director: |
+ 395
|
24.4316 USD |
|
2 years ago
Apr 08, 2022
|
Bought 6.23 K USD
|
Kilmer Bobbi J
director: |
+ 255
|
24.4316 USD |
|
2 years ago
Apr 08, 2022
|
Bought 4.98 K USD
|
Loughery Robert G
director: |
+ 204
|
24.4316 USD |
|
2 years ago
Mar 04, 2022
|
Bought 1.79 K USD
|
Pellegrino Frank G
director: |
+ 72
|
24.8601 USD |
|
2 years ago
Feb 07, 2022
|
Bought 7.07 K USD
|
LAMBERT LEO F
Director |
+ 280
|
25.2609 USD |
7. News
Is the Options Market Predicting a Spike in Citizens & Northern (CZNC) Stock?
Investors need to pay close attention to Citizens & Northern (CZNC) stock based on the movements in the options market lately.
zacks.com
- 4 days ago
C&N Boosts Efficiency for Businesses with Clover®
WELLSBORO, Pa. , Oct. 25, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) – C&N has partnered with Clover®, a leader in point of sale (POS) technology aimed at providing local businesses with powerful, integrated POS solutions.
prnewswire.com
- 3 weeks ago
C&N Teammates are "Standing Strong Against Cancer"
WELLSBORO, Pa. , Oct. 18, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) - C&N's Giving Back, Giving Together program is making a difference again this year with its Standing Strong Against Cancer initiative.
prnewswire.com
- 4 weeks ago
Citizens & Northern (CZNC) Q3 Earnings and Revenues Lag Estimates
Citizens & Northern (CZNC) came out with quarterly earnings of $0.41 per share, missing the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.50 per share a year ago.
zacks.com
- 1 month ago
How to Protect Your Money in a Digital World
WELLSBORO, Pa. , July 22, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) -- In today's digital age, protecting yourself online is paramount.
prnewswire.com
- 3 months ago
Citizens & Northern (CZNC) Surges 6.3%: Is This an Indication of Further Gains?
Citizens & Northern (CZNC) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock suggests that there could be more strength down the road.
zacks.com
- 4 months ago
C&N Teams Raise Over $98,000 for Local Senior Citizens
WELLSBORO, Pa. , June 21, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) – C&N, a leading community-oriented financial services institution, is proud to announce the results of its 2023 Giving Back, Giving Together program.
prnewswire.com
- 4 months ago
Citizens & Northern (CZNC) Q4 Earnings and Revenues Lag Estimates
Citizens & Northern (CZNC) came out with quarterly earnings of $0.28 per share, missing the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.50 per share a year ago.
zacks.com
- 8 months ago
Highly-Ranked Finance Stocks to Buy for Income
At the moment quite a few financial stocks currently hold spots on the Zacks Rank #1 (Strong Buy) list and offer dividend yields over 5%.
zacks.com
- 9 months ago
Analysts Estimate Citizens & Northern (CZNC) to Report a Decline in Earnings: What to Look Out for
Citizens & Northern (CZNC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
zacks.com
- 9 months ago
Unlocking Financial Freedom: The Power of Flex CDs in Today's Economy
WELLSBORO, Pa. , Nov. 27, 2023 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) -- In a world where financial stability and growth are paramount, savvy investors are constantly on the lookout for opportunities that can not only protect their hard-earned money but also offer impressive returns.
prnewswire.com
- 11 months ago
Citizens & Northern (CZNC) to Report Q3 Results: Wall Street Expects Earnings Growth
Citizens & Northern (CZNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
zacks.com
- 1 year ago
8. Profile Summary
Citizens & Northern Corporation CZNC
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 311 M
Dividend Yield
1.29%
Description
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
Contact
90-92 Main Street, Wellsboro, PA, 16901
https://www.cnbankpa.com
IPO Date
April 5, 1994
Employees
404
Officers
Mr. Thomas L. Rudy Jr.
EVice President, Chief Delivery Officer and Region President of Citizens & Northern Bank
Mr. Ryan Satalin
Senior Vice President & Regional Commercial Lending Executive
Mr. J. Bradley Scovill
President, Chief Executive Officer & Director
Mr. Mark A. Hughes
Treasurer
Ms. Kelley A. Cwiklinski
Executive Vice President & Chief Commercial Lending Officer
Mr. Stan R. Dunsmore
EVice President and Chief Credit Officer of Citizens & Northern Bank
Mr. Philip Prough CFP, CIMA
Senior Vice President & Chief Investment Strategist
Ms. Shelley L. D'Haene
Executive Vice President and Chief Digital Channels & Payments Officer
Mr. Blair T. Rush
EVice President and Southeast Region President of Citizens & Northern Bank