Financial Services -
Banks - Regional - NASDAQ - US
$ 19.05
1.11 %
$ 295 M
Market Cap
11.27
P/E
1. INTRINSIC VALUE
Balance Sheet
Citizens & Northern Corporation
| Current Assets | 476 M |
| Cash & Short-Term Investments | 476 M |
| Receivables | 8.74 M |
| Other Current Assets | -8.74 M |
| Non-Current Assets | 76.5 M |
| Long-Term Investments | 0 |
| PP&E | 21.3 M |
| Other Non-Current Assets | 55.2 M |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 205 M |
| Long-Term Debt | 205 M |
| Other Non-Current Liabilities | 0 |
EFFICIENCY
Earnings Waterfall
Citizens & Northern Corporation
| Revenue | 128 M |
| Cost Of Revenue | 0 |
| Gross Profit | 128 M |
| Operating Expenses | 2.18 M |
| Operating Income | 126 M |
| Other Expenses | 99.9 M |
| Net Income | 26 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Citizens & Northern Corporation
| Net Income | 26 M |
| Depreciation & Amortization | 1.64 M |
| Capital Expenditures | 0 |
| Stock-Based Compensation | 1.49 M |
| Change in Working Capital | 0 |
| Others | 5.44 M |
| Free Cash Flow | 33 M |
Wall Street Analysts Price Targets
Citizens & Northern Corporation
CZNC has no price targets from Wall Street.
4. DIVIDEND
ANALYSIS
1.37%
DIVIDEND YIELD
0.28 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Citizens & Northern Corporation
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
79.2 USD 1
9-12 MONTHS
0 USD 0
Bought
20.3 K USD 2
0-3 MONTHS
19 K USD 2
3-6 MONTHS
11.8 K USD 2
6-9 MONTHS
50.6 K USD 4
9-12 MONTHS
7. News
Best Value Stocks to Buy for January 29th
RITM, SRCE and CZNC made it to the Zacks Rank #1 (Strong Buy) value stocks list on January 29, 2024.
zacks.com
- 3 months ago
Citizens & Northern (CZNC) Surpasses Q4 Earnings and Revenue Estimates
Citizens & Northern (CZNC) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.28 per share a year ago.
zacks.com
- 3 months ago
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
- 5 months 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
- 6 months 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
- 6 months 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
- 6 months 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
- 9 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
- 9 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
- 10 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
- 1 year 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
- 1 year 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
- 1 year ago
8. Profile
Summary
Citizens & Northern Corporation CZNC
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 295 M
Dividend Yield
1.37%
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
386
Officers
Mr. Glenn Richard James Esq.
Corporate Secretary
Peter Miklos
Executive Vice President & Regional Executive in the Lancaster & York Markets
Ms. Kelley A. Cwiklinski
Executive Vice President & Chief Commercial Lending Officer
Mr. J. Bradley Scovill
President, Chief Executive Officer & Director
Mr. Ryan Satalin
Senior Vice President & Regional Commercial Lending Executive
Mr. Mark A. Hughes
Treasurer
Ms. Shelley L. D'Haene
Executive Vice President and Chief Digital Channels & Payments Officer
Mr. Philip Prough CFP, CIMA
Senior Vice President & Chief Investment Strategist