Financhill
Buy
56

CZNC Quote, Financials, Valuation and Earnings

Last price:
$18.66
Seasonality move :
1.74%
Day range:
$18.56 - $18.84
52-week range:
$16.50 - $22.68
Dividend yield:
5.95%
P/E ratio:
10.75x
P/S ratio:
2.67x
P/B ratio:
1.03x
Volume:
17K
Avg. volume:
31.2K
1-year change:
11.63%
Market cap:
$291.5M
Revenue:
$106.5M
EPS (TTM):
$1.75

Analysts' Opinion

  • Consensus Rating
    Citizens & 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 Upside
    According to analysts' consensus price target of $21.50, Citizens & Northern has an estimated upside of 14.3% from its current price of $18.81.
  • Price Target Downside
    According to analysts, the lowest downside price target is $21.00 representing 100% downside risk from its current price of $18.81.

Fair Value

  • According to the consensus of 2 analysts, Citizens & Northern has 14.3% 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 -1.48% 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 $26.6M.

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:
-37.5M
EV / Invested capital:
-0.08x
Price / LTM sales:
2.67x
EV / EBIT:
-0.46x
EV / Revenue:
-0.35x
PEG ratio (5yr expected):
0.71x
EV / Free cash flow:
-1.38x
Price / Operating cash flow:
10.58x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.04%
Net Income Margin (TTM):
24.98%
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 $107.9M $25.2M $26.6M
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 $532.5M
Total Assets $2.3B $2.3B $2.4B $2.5B $2.6B
Current Liabilities $9.8M $2.4M $93.4M $75M $571K
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 $194.2M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $38.5M $29.7M $28.9M $5.7M $1.6M
Cash From Investing -$190.1M -$98.3M -$6.5M -$18.6M -$4.2M
Cash From Financing $92.4M $64.8M $47.4M $2.5M -$8.9M
Free Cash Flow $35.9M $27M $27.2M $5M $1M
CZNC
Sector
Market Cap
$291.5M
$611M
Price % of 52-Week High
82.94%
86.88%
Dividend Yield
5.95%
2.05%
Shareholder Yield
6.74%
4.06%
1-Year Price Total Return
11.63%
9.32%
Beta (5-Year)
0.531
0.587
Dividend yield:
5.95%
Annualized payout:
$1.12
Payout ratio:
57.84%
Growth streak:
1 years

Technicals

8-day SMA
Sell
Level $19.03
200-day SMA
Sell
Level $19.68
Bollinger Bands (100)
Sell
Level 18.74 - 20.94
Chaikin Money Flow
Buy
Level 31.7K
20-day SMA
Sell
Level $19.16
Relative Strength Index (RSI14)
Sell
Level 43.65
ADX Line
Sell
Level 11.87
Williams %R
Buy
Level -81.203
50-day SMA
Sell
Level $19.35
MACD (12, 26)
Buy
Level 0.36
25-day Aroon Oscillator
Buy
Level 48
On Balance Volume
Neutral
Level 59K

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 (8)

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 $18.66 per share. This represents the most recent stock quote for Citizens & Northern. Yesterday, Citizens & Northern closed at $18.81 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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