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51
CZNC Quote, Financials, Valuation and Earnings
Last price:
$19.09
Seasonality move
:
2.86%
Day range:
$18.49 - $19.12
52-week range:
$16.50 - $22.68
Dividend yield:
5.88%
P/E ratio:
10.89x
P/S ratio:
2.69x
P/B ratio:
1.05x
Volume:
64.3K
Avg. volume:
30.5K
1-year change:
7.93%
Market cap:
$294.9M
Revenue:
$106.5M
EPS (TTM):
$1.75
Analysts' Opinion
-
Consensus RatingCitizens & Northern 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 $21.50, Citizens & Northern has an estimated upside of 12.86% from its current price of $19.05.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $21.00 representing -10.24% downside risk from its current price of $19.05.
Fair Value
-
According to the consensus of 2 analysts, Citizens & Northern has 12.86% upside to fair value with a price target of $21.50 per share.
CZNC vs. S&P 500
-
Over the past 5 trading days, Citizens & Northern 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 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 has grown year-over-year revenues for 4 quarters straight. In the most recent quarter Citizens & Northern reported revenues of $26.8M.
Earnings Growth
-
Citizens & Northern has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Citizens & Northern reported earnings per share of $0.41.
Enterprise value:
-33.5M
EV / Invested capital:
-0.07x
Price / LTM sales:
2.69x
EV / EBIT:
-0.41x
EV / Revenue:
-0.31x
PEG ratio (5yr expected):
0.72x
EV / Free cash flow:
-1.08x
Price / Operating cash flow:
9.16x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.04%
Net Income Margin (TTM):
24.93%
Return On Equity:
9.91%
Return On Invested Capital:
5.48%
Operating Margin:
--
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2024-03-31 | 2025-03-31 | |
| Income Statement | ||||||
| Revenue | $106.1M | $102.4M | $108.1M | $25.2M | $26.8M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | -- | -- | -- | -- | -- | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.67 | $1.52 | $1.75 | $0.35 | $0.41 | |
| Period Ending | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $581.4M | $654.8M | $533.8M | $461M | $523.2M | |
| Total Assets | $2.3B | $2.3B | $2.4B | $2.5B | $2.6B | |
| Current Liabilities | $9.8M | $2.4M | $93.4M | $75M | -- | |
| Total Liabilities | $2B | $2.1B | $2.2B | $2.3B | $2.3B | |
| Total Equity | $300.1M | $276.2M | $255.6M | $261.7M | $281.8M | |
| Total Debt | $75M | $68.3M | $229.1M | $235.4M | $194.8M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2023-12-31 | 2024-12-31 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $34.6M | $33.5M | $33M | $7.7M | $12.1M | |
| Cash From Investing | -$234.7M | -$53.2M | -$20.9M | -$12.8M | -$5.9M | |
| Cash From Financing | $151.9M | $24.7M | $58.7M | $9.6M | -$63.9M | |
| Free Cash Flow | $31.3M | $31.3M | $31.1M | $6.9M | $11.7M | |
CZNC
Sector
Market Cap
$294.9M
$598.9M
Price % of 52-Week High
84%
83.69%
Dividend Yield
5.88%
2.06%
Shareholder Yield
6.71%
3.87%
1-Year Price Total Return
7.93%
7.3%
Beta (5-Year)
0.396
0.555
Dividend yield:
5.88%
Annualized payout:
$1.12
Payout ratio:
43.25%
Growth streak:
1 years
Technicals
8-day SMA
Buy
Level
$19.02
200-day SMA
Sell
Level
$19.70
Bollinger Bands (100)
Sell
Level
18.86 - 21.08
Chaikin Money Flow
Sell
Level
-22.6K
20-day SMA
Sell
Level
$19.16
Relative Strength Index (RSI14)
Sell
Level
45.71
ADX Line
Sell
Level
25.2
Williams %R
Neutral
Level
-55.2511
50-day SMA
Sell
Level
$20.13
MACD (12, 26)
Buy
Level
2.21
25-day Aroon Oscillator
Sell
Level
-40
On Balance Volume
Sell
Level
-176.3K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (0.4687)
Sell
CA Score
(Annual)
Level (-2.1215)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (2.371)
--
Piotroski F Score
(Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
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 $21.50.
-
Where Will Citizens & Northern Stock Be In 1 Year?
According to analysts, the consensus estimate is that Citizens & Northern share price will rise to $21.50 per share over the next 12 months.
-
What Do Analysts Say About Citizens & Northern?
Analysts are divided on their view about Citizens & Northern 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 is a Sell and believe this share price will drop from its current level to $21.00.
-
What Is Citizens & Northern's Price Target?
The price target for Citizens & Northern over the next 1-year time period is forecast to be $21.50 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 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 via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens & Northern shares.
-
What Is The Citizens & Northern Share Price Today?
Citizens & Northern was last trading at $19.09 per share. This represents the most recent stock quote for Citizens & Northern. Yesterday, Citizens & Northern closed at $19.05 per share.
-
How To Buy Citizens & Northern Stock Online?
In order to purchase Citizens & Northern 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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