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51
CZNC Quote, Financials, Valuation and Earnings
Last price:
$19.86
Seasonality move
:
2.54%
Day range:
$19.13 - $19.59
52-week range:
$16.50 - $22.68
Dividend yield:
5.75%
P/E ratio:
11.53x
P/S ratio:
2.79x
P/B ratio:
1.09x
Volume:
23.5K
Avg. volume:
27.8K
1-year change:
8.34%
Market cap:
$301.3M
Revenue:
$106.5M
EPS (TTM):
$1.69
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 $21.50, Citizens & Northern has an estimated upside of 10.37% from its current price of $19.48.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $21.00 representing 100% downside risk from its current price of $19.48.
Fair Value
-
According to the consensus of 2 analysts, Citizens & Northern has 10.37% 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 overperformed the S&P 500 by 5.25% 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 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:
157.9M
EV / Invested capital:
--
Price / LTM sales:
2.79x
EV / EBIT:
1.95x
EV / Revenue:
1.48x
PEG ratio (5yr expected):
1.51x
EV / Free cash flow:
5.07x
Price / Operating cash flow:
9.55x
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
$301.3M
$593.5M
Price % of 52-Week High
85.89%
81.91%
Dividend Yield
5.75%
2.08%
Shareholder Yield
4.92%
3.69%
1-Year Price Total Return
8.34%
6.48%
Beta (5-Year)
0.396
0.555
Dividend yield:
5.75%
Annualized payout:
$1.12
Payout ratio:
59.83%
Growth streak:
1 years
Technicals
8-day SMA
Buy
Level
$18.77
200-day SMA
Sell
Level
$19.68
Bollinger Bands (100)
Sell
Level
18.9 - 21.12
Chaikin Money Flow
Sell
Level
-36.5K
20-day SMA
Buy
Level
$19.37
Relative Strength Index (RSI14)
Sell
Level
49.83
ADX Line
Buy
Level
29.13
Williams %R
Neutral
Level
-35.6164
50-day SMA
Sell
Level
$20.29
MACD (12, 26)
Buy
Level
2.69
25-day Aroon Oscillator
Sell
Level
-52
On Balance Volume
Sell
Level
-159.6K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (0.4687)
Sell
CA Score
(Annual)
Level (-2.1215)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (2.371)
--
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 $19.86 per share. This represents the most recent stock quote for Citizens & Northern. Yesterday, Citizens & Northern closed at $19.48 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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