Citizens & Northern Corp (CZNC): Price and Financial Metrics

Citizens & Northern Corp (CZNC): $17.69

0.01 (-0.06%)

POWR Rating

Component Grades








CZNC Price/Volume Stats

Current price $17.69 52-week high $25.20
Prev. close $17.70 52-week low $16.71
Day low $17.53 Volume 18,900
Day high $18.29 Avg. volume 24,534
50-day MA $19.52 Dividend yield 6.34%
200-day MA $20.81 Market Cap 269.90M

CZNC Stock Price Chart Interactive Chart >


  • Stability is the dimension where CZNC ranks best; there it ranks ahead of 77.53% of US stocks.
  • The strongest trend for CZNC is in Stability, which has been heading down over the past 179 days.
  • CZNC's current lowest rank is in the Value metric (where it is better than 24.04% of US stocks).

CZNC Stock Summary

  • CZNC's went public 27.33 years ago, making it older than 71.36% of listed US stocks we're tracking.
  • CZNC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 89.29% of US stocks.
  • In terms of volatility of its share price, CZNC is more volatile than 26.95% of stocks we're observing.
  • Stocks that are quantitatively similar to CZNC, based on their financial statements, market capitalization, and price volatility, are FBP, UMBF, CBFV, CAC, and SRCE.
  • Visit CZNC's SEC page to see the company's official filings. To visit the company's web site, go to

CZNC Valuation Summary

  • CZNC's price/earnings ratio is 11.4; this is 20% higher than that of the median Financial Services stock.
  • Over the past 243 months, CZNC's price/earnings ratio has gone down 2.3.

Below are key valuation metrics over time for CZNC.

Stock Date P/S P/B P/E EV/EBIT
CZNC 2023-09-15 2.7 1.1 11.4 13.8
CZNC 2023-09-14 2.7 1.1 11.4 13.8
CZNC 2023-09-13 2.7 1.1 11.3 13.7
CZNC 2023-09-12 2.7 1.1 11.1 13.6
CZNC 2023-09-11 2.6 1.1 10.8 13.3
CZNC 2023-09-08 2.6 1.1 10.9 13.4

CZNC Growth Metrics

    Its year over year price growth rate is now at -4.61%.
  • The year over year cash and equivalents growth rate now stands at -44.8%.
  • Its 5 year cash and equivalents growth rate is now at 0.41%.
Over the past 33 months, CZNC's revenue has gone up $26,223,000.

The table below shows CZNC's growth in key financial areas (numbers in millions of US dollars).

Date Revenue Operating Cash Flow Net Income to Common Stock
2022-09-30 99.169 36.25 26.147
2022-06-30 100.724 33.45 29.091
2022-03-31 98.817 34.779 28.662
2021-12-31 100.159 34.844 30.554
2021-09-30 101 35.319 30.016
2021-06-30 101.025 34.438 25.465

CZNC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.
  • CZNC has a Quality Grade of C, ranking ahead of 45.25% of graded US stocks.
  • CZNC's asset turnover comes in at 0.044 -- ranking 116th of 430 Banking stocks.
  • NICK, FMAO, and MCB are the stocks whose asset turnover ratios are most correlated with CZNC.

The table below shows CZNC's key quality metrics over time.

Period Asset Turnover Gross Margin ROIC
2021-06-30 0.044 1 0.014
2021-03-31 0.045 1 0.014
2020-12-31 0.044 1 0.012
2020-09-30 0.044 1 0.012
2020-06-30 0.045 1 0.015
2020-03-31 0.045 1 0.013

CZNC Price Target

For more insight on analysts targets of CZNC, see our CZNC price target page. And for a list of of all stocks sorted by upside potential based on analyst target price, see our Top Price Target page.

Average Price Target $28.00 Average Broker Recommendation 1.5 (Moderate Buy)

Citizens & Northern Corp (CZNC) Company Bio

Citizens & Northern Corporation provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

CZNC Latest News Stream

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Latest CZNC News From Around the Web

Below are the latest news stories about CITIZENS & NORTHERN CORP that investors may wish to consider to help them evaluate CZNC as an investment opportunity.

UMH Properties (UMH) Q2 FFO and Revenues Top Estimates

UMH (UMH) delivered FFO and revenue surprises of 5% and 0.84%, respectively, for the quarter ended June 2023. Do the numbers hold clues to what lies ahead for the stock?

Yahoo | August 9, 2023

Analysts Estimate Sandy Spring Bancorp (SASR) to Report a Decline in Earnings: What to Look Out for

Sandy Spring Bancorp (SASR) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Yahoo | July 18, 2023

The past five years for Citizens & Northern (NASDAQ:CZNC) investors has not been profitable

For many, the main point of investing is to generate higher returns than the overall market. But every investor is...

Yahoo | July 15, 2023

Earnings Preview: Citizens & Northern (CZNC) Q2 Earnings Expected to Decline

Citizens & Northern (CZNC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Yahoo | July 13, 2023

Tompkins Financial (TMP) Tops Q1 Earnings Estimates

Tompkins (TMP) delivered earnings and revenue surprises of 1.50% and 1.82%, respectively, for the quarter ended March 2023. Do the numbers hold clues to what lies ahead for the stock?

Yahoo | April 28, 2023

Read More 'CZNC' Stories Here

CZNC Price Returns

1-mo -7.91%
3-mo -6.61%
6-mo -13.90%
1-year -23.14%
3-year 35.17%
5-year -14.44%
YTD -19.49%
2022 -8.40%
2021 37.98%
2020 -25.78%
2019 11.88%
2018 14.92%

CZNC Dividends

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Continue Researching CZNC

Here are a few links from around the web to help you further your research on Citizens & Northern Corp's stock as an investment opportunity:

Citizens & Northern Corp (CZNC) Stock Price | Nasdaq
Citizens & Northern Corp (CZNC) Stock Quote, History and News - Yahoo Finance
Citizens & Northern Corp (CZNC) Stock Price and Basic Information | MarketWatch

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