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CZNC Quote, Financials, Valuation and Earnings
Last price:
$18.87
Seasonality move
:
-1.03%
Day range:
$18.30 - $18.55
52-week range:
$16.50 - $22.20
Dividend yield:
6.06%
P/E ratio:
12.83x
P/S ratio:
2.71x
P/B ratio:
1.03x
Volume:
23.8K
Avg. volume:
33.5K
1-year change:
-7.93%
Market cap:
$284.7M
Revenue:
$103.1M
EPS (TTM):
$1.44
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 $21.00, Citizens & Northern has an estimated upside of 13.7% from its current price of $18.47.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $21.00 representing 100% downside risk from its current price of $18.47.
Fair Value
-
According to the consensus of 2 analysts, Citizens & Northern has 13.7% upside to fair value with a price target of $21.00 per share.
CZNC vs. S&P 500
-
Over the past 5 trading days, Citizens & Northern has overperformed the S&P 500 by 2.57% suggesting its relative strength compared to the major market average is strong 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 2 quarters straight. In the most recent quarter Citizens & Northern reported revenues of $26.8M.
Earnings Growth
-
Citizens & Northern earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens & Northern reported earnings per share of $0.41.
Enterprise value:
-83.6M
EV / Invested capital:
--
Price / LTM sales:
2.71x
EV / EBIT:
-1.12x
EV / Revenue:
-0.81x
PEG ratio (5yr expected):
--
EV / Free cash flow:
-3.18x
Price / Operating cash flow:
10.71x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.86%
Net Income Margin (TTM):
21.24%
Return On Equity:
8.45%
Return On Invested Capital:
4.59%
Operating Margin:
--
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2023-09-30 | 2024-09-30 | |
| Income Statement | ||||||
| Revenue | $103.8M | $106.1M | $103.8M | $25.6M | $26.8M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | -- | -- | -- | -- | -- | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.67 | $1.79 | $1.44 | $0.50 | $0.41 | |
| Period Ending | 2020-09-30 | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $523.3M | $644.2M | $560.4M | $491.1M | $602.1M | |
| Total Assets | $2.4B | $2.4B | $2.4B | $2.5B | $2.7B | |
| Current Liabilities | $40.9M | $1.9M | $2.5M | $25.5M | $20.6M | |
| Total Liabilities | $2.1B | $2.1B | $2.2B | $2.2B | $2.4B | |
| Total Equity | $296.3M | $299.4M | $238.8M | $240.2M | $277.3M | |
| Total Debt | $157.9M | $86.4M | $94.8M | $186.3M | $224.3M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2023-09-30 | 2024-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $36.3M | $33.9M | $28.7M | $8.5M | $6.6M | |
| Cash From Investing | -$254.5M | -$94.8M | -$27.9M | -$19M | $22M | |
| Cash From Financing | $83.5M | $53.8M | $132.2M | $12.7M | $56.2M | |
| Free Cash Flow | $32.6M | $32.2M | $26.3M | $7.6M | $6.4M | |
CZNC
Sector
Market Cap
$284.7M
$661.4M
Price % of 52-Week High
83.2%
86.66%
Dividend Yield
6.06%
2.03%
Shareholder Yield
3.35%
3.87%
1-Year Price Total Return
-7.93%
6.93%
Beta (5-Year)
0.483
0.738
Dividend yield:
6.06%
Annualized payout:
$0.84
Payout ratio:
70.32%
Growth streak:
0 years
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Technicals
8-day SMA
Buy
Level
$18.33
200-day SMA
Sell
Level
$18.77
Bollinger Bands (100)
Sell
Level
18.74 - 20.2
Chaikin Money Flow
Sell
Level
-1.2M
20-day SMA
Sell
Level
$18.65
Relative Strength Index (RSI14)
Sell
Level
42.78
ADX Line
Sell
Level
21.02
Williams %R
Neutral
Level
-38
50-day SMA
Sell
Level
$19.58
MACD (12, 26)
Sell
Level
-0.39
25-day Aroon Oscillator
Sell
Level
-76
On Balance Volume
Sell
Level
-109.3K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (0.5015)
Sell
CA Score
(Annual)
Level (-2.1572)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (6)
Sell
Ohlson Score
Level (2.4615)
--
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 $21.00.
-
Where Will Citizens & Northern Stock Be In 1 Year?
According to analysts, the consensus estimate is that Citizens & Northern share price will rise to $21.00 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 $21.00 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 $18.87 per share. This represents the most recent stock quote for Citizens & Northern. Yesterday, Citizens & Northern closed at $18.47 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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