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


Citizens & Northern Corp (CZNC): $24.38

0.07 (+0.29%)

POWR Rating

Component Grades

Growth

S

Value

I

Momentum

G

Stability

N

Sentiment

U

Quality

P

CZNC POWR Grades


  • Stability is the dimension where CZNC ranks best; there it ranks ahead of 94.56% of US stocks.
  • The strongest trend for CZNC is in Momentum, which has been heading up over the past 179 days.
  • CZNC's current lowest rank is in the Growth metric (where it is better than 13.52% of US stocks).

CZNC Stock Summary

  • Equity multiplier, or assets relative to shareholders' equity, comes in at 7.76 for Citizens & Northern Corp; that's greater than it is for 86.49% of US stocks.
  • The volatility of Citizens & Northern Corp's share price is greater than that of only 1.72% US stocks with at least 200 days of trading history.
  • Citizens & Northern Corp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 9.23%, greater than the shareholder yield of 82.83% of stocks in our set.
  • If you're looking for stocks that are quantitatively similar to Citizens & Northern Corp, a group of peers worth examining would be TCFC, HTLF, FNCB, CPF, and FFWM.
  • Visit CZNC's SEC page to see the company's official filings. To visit the company's web site, go to www.cnbankpa.com.

CZNC Valuation Summary

  • CZNC's price/earnings ratio is 15.5; this is 40.91% higher than that of the median Financial Services stock.
  • Over the past 243 months, CZNC's EV/EBIT ratio has gone down 13.3.
  • Over the past 243 months, CZNC's price/sales ratio has gone down 0.2.

Below are key valuation metrics over time for CZNC.

Stock Date P/S P/B P/E EV/EBIT
CZNC 2021-02-04 4.0 1.1 18.2 14.5
CZNC 2017-03-22 4.9 1.5 17.5 14.6
CZNC 2017-02-09 5.0 1.5 18.4 14.8
CZNC 2016-12-01 5.2 1.5 18.9 15.2
CZNC 2016-11-18 5.2 1.5 18.8 15.1
CZNC 2004-12-09 4.9 1.6 13.9 28.8

CZNC Growth Metrics

    Its 4 year price growth rate is now at -13.01%.
  • Its 2 year net income to common stockholders growth rate is now at 29.25%.
  • The 2 year net cashflow from operations growth rate now stands at 10.4%.
Over the past 52 months, CZNC's revenue has gone up $43,193,000.

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
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
2021-03-31 96.736 26.37 23.843
2020-12-31 88.165 24.784 19.222
2020-09-30 81.029 20.785 17.91

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)

CZNC Stock Price Chart Interactive Chart >

Price chart for CZNC

CZNC Price/Volume Stats

Current price $24.38 52-week high $27.99
Prev. close $24.31 52-week low $23.21
Day low $24.10 Volume 20,500
Day high $24.48 Avg. volume 24,877
50-day MA $24.30 Dividend yield 4.59%
200-day MA $25.24 Market Cap 380.45M

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.

Citizens & Northern: Avoid Until Better Execution

No summary available.

Seeking Alpha | February 16, 2022

Farmers & Merchants Bancorp Inc. (FMAO) Q4 Earnings and Revenues Beat Estimates

Farmers & Merchants Bancorp Inc. (FMAO) delivered earnings and revenue surprises of 32% and 10.10%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Yahoo | February 14, 2022

CF Bankshares Inc. (CFBK) Q4 Earnings and Revenues Lag Estimates

CF Bankshares Inc. (CFBK) delivered earnings and revenue surprises of -4.23% and 9.85%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Yahoo | February 7, 2022

Meridian Bank (MRBK) Q4 Earnings Surpass Estimates

Meridian Bank (MRBK) delivered earnings and revenue surprises of 24% and 3.64%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Yahoo | January 31, 2022

Kathmere Capital Management, LLC Buys Amplify BlackSwan ISWN ETF, Pacer Trendpilot ...

Investment company Kathmere Capital Management, LLC (Current Portfolio) buys Amplify BlackSwan ISWN ETF, Pacer Trendpilot International ETF, Invesco FTSE RAFI Developed Markets ex-U.S.

Yahoo | January 27, 2022

Read More 'CZNC' Stories Here

CZNC Price Returns

1-mo 1.97%
3-mo -1.93%
6-mo -0.43%
1-year 3.28%
3-year 1.81%
5-year 35.75%
YTD -4.51%
2021 37.99%
2020 -25.78%
2019 11.88%
2018 14.92%
2017 -4.39%

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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