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

Citizens & Northern Corp (CZNC): $21.08

-0.12 (-0.57%)

POWR Rating

Component Grades














  • CZNC scores best on the Stability dimension, with a Stability rank ahead of 98.56% of US stocks.
  • CZNC's strongest trending metric is Sentiment; it's been moving up over the last 177 days.
  • CZNC's current lowest rank is in the Value metric (where it is better than 10.92% of US stocks).

CZNC Stock Summary

  • Equity multiplier, or assets relative to shareholders' equity, comes in at 9.38 for CITIZENS & NORTHERN CORP; that's greater than it is for 89.06% of US stocks.
  • With a year-over-year growth in debt of 134.39%, CITIZENS & NORTHERN CORP's debt growth rate surpasses 90.58% of about US stocks.
  • In terms of volatility of its share price, CZNC is more volatile than just 1.12% of stocks we're observing.
  • Stocks with similar financial metrics, market capitalization, and price volatility to CITIZENS & NORTHERN CORP are UVSP, CAC, EBMT, WSBC, and FSBW.
  • CZNC's SEC filings can be seen here. And to visit CITIZENS & NORTHERN CORP's official web site, go to

CZNC Valuation Summary

  • In comparison to the median Financial Services stock, CZNC's price/sales ratio is 230% higher, now standing at 3.3.
  • Over the past 243 months, CZNC's EV/EBIT ratio has gone down 7.4.

Below are key valuation metrics over time for CZNC.

Stock Date P/S P/B P/E EV/EBIT
CZNC 2023-03-17 3.3 1.3 12.5 14.2
CZNC 2023-03-16 3.4 1.4 12.9 14.6
CZNC 2023-03-15 3.3 1.4 12.7 11.5
CZNC 2023-03-14 3.4 1.4 12.8 11.6
CZNC 2023-03-13 3.3 1.4 12.6 11.4
CZNC 2023-03-10 3.3 1.4 12.5 11.4

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)

CZNC Stock Price Chart Interactive Chart >

Price chart for CZNC

CZNC Price/Volume Stats

Current price $21.08 52-week high $25.77
Prev. close $21.20 52-week low $20.06
Day low $21.02 Volume 22,600
Day high $21.22 Avg. volume 21,730
50-day MA $22.39 Dividend yield 5.3%
200-day MA $23.65 Market Cap 328.07M

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's (NASDAQ:CZNC) Dividend Will Be $0.28

The board of Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend on the 14th of...

Yahoo | February 1, 2023

Citizens & Northern (NASDAQ:CZNC) shareholders have earned a 1.0% CAGR over the last three years

In order to justify the effort of selecting individual stocks, it's worth striving to beat the returns from a market...

Yahoo | January 30, 2023

12 52-Week Low Dividend Stocks To Consider

In this article, we will take a look at the 12 52-week low dividend stocks to consider. You can skip this part and go to 5 52-Week Low Dividend Stocks To Consider. Dividend investing came into limelight in 2022 after the stock market began to fall amid rising inflation, interest rate hikes, and an uncertain […]

Yahoo | January 21, 2023

Citizens & Northern Third Quarter 2022 Earnings: EPS: US$0.29 (vs US$0.47 in 3Q 2021)

Citizens & Northern ( NASDAQ:CZNC ) Third Quarter 2022 Results Key Financial Results Revenue: US$22.8m (down 6.4% from...

Yahoo | November 10, 2022

Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28

Citizens & Northern Corporation ( NASDAQ:CZNC ) has announced that it will pay a dividend of $0.28 per share on the...

Yahoo | October 25, 2022

Read More 'CZNC' Stories Here

CZNC Price Returns

1-mo -6.31%
3-mo -6.67%
6-mo -10.75%
1-year -10.92%
3-year 28.29%
5-year 15.72%
YTD -6.67%
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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