Financhill
Buy
53

CZNC Quote, Financials, Valuation and Earnings

Last price:
$20.15
Seasonality move :
-0.28%
Day range:
$20.31 - $20.71
52-week range:
$16.50 - $22.68
Dividend yield:
5.43%
P/E ratio:
12.21x
P/S ratio:
2.96x
P/B ratio:
1.16x
Volume:
22.9K
Avg. volume:
25.2K
1-year change:
9.96%
Market cap:
$319.2M
Revenue:
$106.5M
EPS (TTM):
$1.69

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 4.17% from its current price of $20.64.
  • Price Target Downside
    According to analysts, the lowest downside price target is $21.00 representing 100% downside risk from its current price of $20.64.

Fair Value

  • According to the consensus of 2 analysts, Citizens & Northern has 4.17% 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 -0.4% 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 3 quarters straight. In the most recent quarter Citizens & Northern reported revenues of $27.7M.

Earnings Growth

  • Citizens & Northern has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Citizens & Northern reported earnings per share of $0.53.
Enterprise value:
175.8M
EV / Invested capital:
0.37x
Price / LTM sales:
2.96x
EV / EBIT:
2.17x
EV / Revenue:
1.65x
PEG ratio (5yr expected):
1.60x
EV / Free cash flow:
5.65x
Price / Operating cash flow:
10.12x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.01%
Net Income Margin (TTM):
24.37%
Return On Equity:
9.69%
Return On Invested Capital:
5.29%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $106M $103.1M $106.5M $25M $27.7M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $1.71 $1.57 $1.69 $0.28 $0.53
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $459.5M $629.9M $561.7M $481.8M $357.3M
Total Assets $2.2B $2.3B $2.5B $2.5B $2.6B
Current Liabilities $20M $1.8M $119.2M $33.9M $2.5M
Total Liabilities $1.9B $2B $2.2B $2.3B $2.3B
Total Equity $299.8M $301.4M $249.3M $262.4M $275.3M
Total Debt $89.2M $75.8M $178.7M $209.4M $205.2M
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
$319.2M
$625.8M
Price % of 52-Week High
91.01%
86.55%
Dividend Yield
5.43%
1.95%
Shareholder Yield
4.92%
3.76%
1-Year Price Total Return
9.96%
9.43%
Beta (5-Year)
0.442
0.712
Dividend yield:
5.43%
Annualized payout:
$1.12
Payout ratio:
59.83%
Growth streak:
1 years

Technicals

8-day SMA
Buy
Level $20.54
200-day SMA
Buy
Level $19.49
Bollinger Bands (100)
Buy
Level 19.06 - 21.18
Chaikin Money Flow
Sell
Level -49.8K
20-day SMA
Buy
Level $20.50
Relative Strength Index (RSI14)
Buy
Level 51.52
ADX Line
Sell
Level 20.03
Williams %R
Neutral
Level -24.2857
50-day SMA
Sell
Level $20.64
MACD (12, 26)
Buy
Level 5.40
25-day Aroon Oscillator
Sell
Level -28
On Balance Volume
Sell
Level -39K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4687)
Sell
CA Score (Annual)
Level (-2.1215)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (6)
Sell
Ohlson Score
Level (2.3733)
--
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 $20.15 per share. This represents the most recent stock quote for Citizens & Northern. Yesterday, Citizens & Northern closed at $20.64 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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