Business Description
Citizens & Northern Corp
NAICS : 522110
SIC : 6022
ISIN : US1729221069
Description
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.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.82 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.81 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 4/9 | |||||
| Beneish M-Score | -2.55 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 3.2 | |||||
| 3-Year EPS without NRI Growth Rate | -4.5 | |||||
| 3-Year FCF Growth Rate | 11.8 | |||||
| 3-Year Book Growth Rate | -3.1 | |||||
| Future 3-5Y EPS without NRI Growth Rate Estimate | 6.96 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 54.55 | |||||
| 9-Day RSI | 48.96 | |||||
| 14-Day RSI | 48.28 | |||||
| 6-1 Month Momentum % | 5.5 | |||||
| 12-1 Month Momentum % | -1.78 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 5.88 | |||||
| Dividend Payout Ratio | 0.78 | |||||
| 3-Year Dividend Growth Rate | -8 | |||||
| Forward Dividend Yield % | 5.88 | |||||
| 5-Year Yield-on-Cost % | 5 | |||||
| 3-Year Average Share Buyback Ratio | 1.3 | |||||
| Shareholder Yield % | -19.18 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 21.24 | |||||
| FCF Margin % | 26.44 | |||||
| ROE % | 8.45 | |||||
| ROA % | 0.86 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.25 | |||||
| Forward PE Ratio | 10.78 | |||||
| PE Ratio without NRI | 13.25 | |||||
| Shiller PE Ratio | 10.72 | |||||
| Price-to-Owner-Earnings | 13.2 | |||||
| PEG Ratio | 132.5 | |||||
| PS Ratio | 2.79 | |||||
| PB Ratio | 1.06 | |||||
| Price-to-Tangible-Book | 1.32 | |||||
| Price-to-Free-Cash-Flow | 10.58 | |||||
| Price-to-Operating-Cash-Flow | 9.48 | |||||
| EV-to-Revenue | 3.23 | |||||
| EV-to-FCF | 12.1 | |||||
| Price-to-Projected-FCF | 0.62 | |||||
| Price-to-DCF (Earnings Based) | 1.15 | |||||
| Price-to-DCF (FCF Based) | 0.92 | |||||
| Price-to-Median-PS-Value | 0.66 | |||||
| Price-to-Graham-Number | 0.88 | |||||
| FCF Yield % | 9.33 | |||||
| Forward Rate of Return (Yacktman) % | 7.28 |
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Citizens & Northern Corp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 103.798 | ||
| EPS (TTM) ($) | 1.44 | ||
| Beta | 0.45 | ||
| Volatility % | 28.47 | ||
| 14-Day RSI | 48.28 | ||
| 14-Day ATR ($) | 0.43433 | ||
| 20-Day SMA ($) | 19.2385 | ||
| 12-1 Month Momentum % | -1.78 | ||
| 52-Week Range ($) | 16.5 - 23.5 | ||
| Shares Outstanding (Mil) | 15.41 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Citizens & Northern Corp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Citizens & Northern Corp Stock Events
| Event | Date | Price($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Citizens & Northern Corp Frequently Asked Questions
What is Citizens & Northern Corp(CZNC)'s stock price today?
The current price of CZNC is $19.08. The 52 week high of CZNC is $23.50 and 52 week low is $16.50.
When is next earnings date of Citizens & Northern Corp(CZNC)?
The next earnings date of Citizens & Northern Corp(CZNC) is 2025-01-17 Est..
Does Citizens & Northern Corp(CZNC) pay dividends? If so, how much?
The Dividend Yield %  of Citizens & Northern Corp(CZNC) is 5.88% (As of Today), Highest Dividend Payout Ratio of Citizens & Northern Corp(CZNC) was 0.95. The lowest was 0.54. And the median was 0.65. The  Forward Dividend Yield % of Citizens & Northern Corp(CZNC) is 5.88%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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