NASDAQ:CZNC Citizens & Northern (CZNC) Stock Forecast, Price & News $19.60 +0.32 (+1.66%) (As of 05/26/2023 ET) Add Compare Share Share Today's Range$19.35▼$19.6450-Day Range$16.99▼$21.9152-Week Range$16.71▼$25.77Volume8,303 shsAverage Volume30,588 shsMarket Capitalization$301.06 millionP/E Ratio11.74Dividend Yield5.71%Price Target$26.00 ProfileProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial MediaProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media Citizens & Northern MarketRank™ ForecastAnalyst RatingHold2.00 Rating ScoreUpside/Downside32.7% Upside$26.00 Price TargetShort InterestBearish1.17% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.43Based on 2 Articles This WeekInsider TradingAcquiring Shares$10,801 Bought Last QuarterProj. Earnings Growth1.89%From $1.59 to $1.62 Per ShareSee Full Details Hide Full Details Overall MarketRank™MarketRank is calculated as an average of available category scores, with extra weight given to analysis and valuation.2.41 out of 5 starsFinance Sector454th out of 903 stocksState Commercial Banks Industry133rd out of 190 stocks 3.0 Analyst's Opinion Consensus RatingCitizens & Northern has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $26.00, Citizens & Northern has a forecasted upside of 32.7% from its current price of $19.60.Amount of Analyst CoverageCitizens & Northern has received no research coverage in the past 90 days. Previous Next 2.0 Short Interest Percentage of Shares Shorted1.17% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 5.7.Change versus previous monthShort interest in Citizens & Northern has recently increased by 11.07%, indicating that investor sentiment is decreasing significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.81%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens & Northern does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens & Northern is 67.07%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 69.14% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZNC. Previous Next 1.9 News and Social Media Coverage News SentimentCitizens & Northern has a news sentiment score of 0.43. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.66 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens & Northern this week, compared to 0 articles on an average week. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $10,801.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 3.74% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 27.94% of the stock of Citizens & Northern is held by institutions. Previous Next 1.9 Earnings and Valuation Earnings GrowthEarnings for Citizens & Northern are expected to grow by 1.89% in the coming year, from $1.59 to $1.62 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 11.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 130.49.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 11.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 156.57.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here About Citizens & Northern (NASDAQ:CZNC) StockCitizens & Northern Corp. operates as a holding company. engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's Lending products include mortgage loans, commercial loans and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Its Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.Read More Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address CZNC Stock News HeadlinesMay 9, 2023 | americanbankingnews.comAnalyzing United Community Banks (NASDAQ:UCBI) and Citizens & Northern (NASDAQ:CZNC)May 2, 2023 | americanbankingnews.comCitizens & Northern Co. (NASDAQ:CZNC) Short Interest UpdateMay 27, 2023 | Legacy Research (Affiliate) (Ad)Central Bank: “Final stage” beginning nowOur financial system is about to be transformed in a way that would’ve been unthinkable just a few years ago. And almost nobody is prepared for the chaos that follows.May 1, 2023 | americanbankingnews.comCitizens & Northern (NASDAQ:CZNC) Downgraded by StockNews.com to "Sell"April 26, 2023 | americanbankingnews.comCitizens & Northern Co. (CZNC) to Issue Quarterly Dividend of $0.28 on May 12thApril 25, 2023 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28April 25, 2023 | msn.comPiper Sandler Maintains Citizens & Northern (CZNC) Neutral RecommendationApril 23, 2023 | msn.comCitizens & Northern (CZNC) Declares $0.28 DividendMay 27, 2023 | Legacy Research (Affiliate) (Ad)Central Bank: “Final stage” beginning nowOur financial system is about to be transformed in a way that would’ve been unthinkable just a few years ago. And almost nobody is prepared for the chaos that follows.April 22, 2023 | americanbankingnews.comCitizens & Northern (NASDAQ:CZNC) Upgraded to Hold by StockNews.comApril 18, 2023 | americanbankingnews.comCitizens & Northern (CZNC) Set to Announce Quarterly Earnings on WednesdayApril 12, 2023 | yahoo.comSovereign Citizens Turn on Each Other Over $200K Fake License PlatesApril 11, 2023 | barrons.comLPL Adds $475 Million Bank to its Institutional PlatformApril 11, 2023 | finance.yahoo.comLPL Financial Welcomes C&N Wealth Management to Its Institution Services PlatformMarch 31, 2023 | bizjournals.comHuntingdon Valley Bank parent company gets regulatory approval for $67M saleMarch 29, 2023 | americanbankingnews.comCitizens & Northern (NASDAQ:CZNC) Downgraded to Sell at StockNews.comFebruary 7, 2023 | nasdaq.comCF Bankshares Inc. (CFBK) Q4 Earnings and Revenues Miss EstimatesFebruary 1, 2023 | finance.yahoo.comCitizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28January 30, 2023 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) shareholders have earned a 1.0% CAGR over the last three yearsJanuary 19, 2023 | news.yahoo.comCitizens' Climate Lobby: Profiles in activismJanuary 15, 2023 | forbes.comCitizens Bank Mortgage Review 2023November 10, 2022 | finance.yahoo.comCitizens & Northern Third Quarter 2022 Earnings: EPS: US$0.29 (vs US$0.47 in 3Q 2021)October 25, 2022 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28October 22, 2022 | yahoo.comTwenty-seven become new citizens in AnnistonOctober 6, 2022 | bizjournals.comInside the Cincinnati nonprofit quietly serving the region’s refugees, and it's next plans for growthSeptember 10, 2022 | seekingalpha.comCZNC Citizens & Northern CorporationAugust 2, 2022 | finance.yahoo.comHere's Why Citizens & Northern (NASDAQ:CZNC) Has Caught The Eye Of InvestorsSee More Headlines View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address CZNC Company Calendar Last Earnings4/21/2021Ex-Dividend for 5/12 Dividend4/28/2023Dividend Payable5/12/2023Today5/27/2023Next Earnings (Estimated)7/20/2023Fiscal Year End12/31/2023Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ Industry State commercial banks Sub-IndustryRegional Banks SectorFinance Current SymbolNASDAQ:CZNC CUSIP17292210 CIK810958 Webwww.cnbankpa.com Phone(570) 724-3411Fax570-724-6395Employees2,018Year Founded1864Price Target and Rating Average Stock Price Forecast$26.00 High Stock Price Forecast$26.00 Low Stock Price Forecast$26.00 Forecasted Upside/Downside+32.7%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$1.67 Trailing P/E Ratio11.74 Forward P/E Ratio12.33 P/E GrowthN/ANet Income$26.62 million Net Margins21.37% Pretax Margin26.09% Return on Equity10.34% Return on Assets1.07% Debt Debt-to-Equity Ratio0.54 Current Ratio0.88 Quick Ratio0.88 Sales & Book Value Annual Sales$117.06 million Price / Sales2.57 Cash Flow$1.99 per share Price / Cash Flow9.85 Book Value$16.64 per share Price / Book1.18Miscellaneous Outstanding Shares15,360,000Free Float14,786,000Market Cap$301.06 million OptionableOptionable Beta0.36 Social Links Key ExecutivesJ. Bradley ScovillPresident, Chief Executive Officer & DirectorShelley L. D'HaeneSenior Operations Officer & Executive VPMark A. HughesTreasurer, Chief Financial & Accounting OfficerAlexander BalagourChief Information Officer & Executive VPTracy E. WatkinsChief Human Resources Officer & Executive VPKey CompetitorsMidWestOne Financial GroupNASDAQ:MOFGBank of Marin BancorpNASDAQ:BMRCWest BancorporationNASDAQ:WTBAEnterprise BancorpNASDAQ:EBTCSierra BancorpNASDAQ:BSRRView All CompetitorsInsiders & InstitutionsJPMorgan Chase & Co.Bought 1,175 shares on 5/18/2023Ownership: 0.077%New York State Common Retirement FundSold 3,227 shares on 5/18/2023Ownership: 0.060%State Street CorpBought 31,778 shares on 5/16/2023Ownership: 1.905%Geode Capital Management LLCBought 7,206 shares on 5/16/2023Ownership: 1.867%Deutsche Bank AGBought 2,831 shares on 5/15/2023Ownership: 0.061%View All Insider TransactionsView All Institutional Transactions CZNC Stock - Frequently Asked Questions Should I buy or sell Citizens & Northern stock right now? 1 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last year. There are currently 1 hold rating for the stock. The consensus among Wall Street research analysts is that investors should "hold" CZNC shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in CZNC, but not buy additional shares or sell existing shares. View CZNC analyst ratings or view top-rated stocks. What is Citizens & Northern's stock price forecast for 2023? 1 brokers have issued 12 month price objectives for Citizens & Northern's shares. Their CZNC share price forecasts range from $26.00 to $26.00. On average, they predict the company's stock price to reach $26.00 in the next year. This suggests a possible upside of 32.7% from the stock's current price. View analysts price targets for CZNC or view top-rated stocks among Wall Street analysts. How have CZNC shares performed in 2023? Citizens & Northern's stock was trading at $22.86 at the beginning of the year. Since then, CZNC shares have decreased by 14.3% and is now trading at $19.60. View the best growth stocks for 2023 here. Are investors shorting Citizens & Northern? Citizens & Northern saw a increase in short interest during the month of May. As of May 15th, there was short interest totaling 171,600 shares, an increase of 11.1% from the April 30th total of 154,500 shares. Based on an average trading volume of 30,100 shares, the short-interest ratio is currently 5.7 days. Approximately 1.2% of the shares of the company are short sold. View Citizens & Northern's Short Interest. When is Citizens & Northern's next earnings date? The company is scheduled to release its next quarterly earnings announcement on Thursday, July 20th 2023. View our CZNC earnings forecast. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) posted its quarterly earnings results on Wednesday, April, 21st. The financial services provider reported $0.55 EPS for the quarter, topping analysts' consensus estimates of $0.45 by $0.10. Citizens & Northern had a net margin of 21.37% and a trailing twelve-month return on equity of 10.34%. How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern? Citizens & Northern declared a quarterly dividend on Thursday, April 20th. Stockholders of record on Monday, May 1st will be paid a dividend of $0.28 per share on Friday, May 12th. This represents a $1.12 dividend on an annualized basis and a dividend yield of 5.71%. The ex-dividend date of this dividend is Friday, April 28th. Read our dividend analysis for CZNC. What ETF holds Citizens & Northern's stock ? SPDR SSGA US Small Cap Low Volatility Index ETF holds 24,647 shares of CZNC stock, representing 0.26% of its portfolio. Is Citizens & Northern a good dividend stock? Citizens & Northern (NASDAQ:CZNC) pays an annual dividend of $1.12 per share and currently has a dividend yield of 5.81%. CZNC has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 67.07%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZNC will have a dividend payout ratio of 69.14% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for CZNC. What is J. Bradley Scovill's approval rating as Citizens & Northern's CEO? 3 employees have rated Citizens & Northern Chief Executive Officer J. Bradley Scovill on Glassdoor.com. J. Bradley Scovill has an approval rating of 100% among the company's employees. This puts J. Bradley Scovill in the top 10% of approval ratings compared to other CEOs of publicly-traded companies. What other stocks do shareholders of Citizens & Northern own? Based on aggregate information from My MarketBeat watchlists, some companies that other Citizens & Northern investors own include General Mills (GIS), Pfizer (PFE), AbbVie (ABBV), Carnival Co. & (CCL), CenterPoint Energy (CNP), Consolidated Edison (ED), International Business Machines (IBM), Main Street Capital (MAIN), AT&T (T) and Verizon Communications (VZ). What is Citizens & Northern's stock symbol? Citizens & Northern trades on the NASDAQ under the ticker symbol "CZNC." Who are Citizens & Northern's major shareholders? Citizens & Northern's stock is owned by a variety of retail and institutional investors. Top institutional investors include BlackRock Inc. (6.93%), Dimensional Fund Advisors LP (3.05%), State Street Corp (1.90%), Geode Capital Management LLC (1.87%), Bank of New York Mellon Corp (0.80%) and Charles Schwab Investment Management Inc. (0.26%). Insiders that own company stock include Bobbi J Kilmer, Frank G Pellegrino, Frank G Pellegrino, Helen S Santiago, J Bradley Scovill, Katherine W Shattuck, Leo F Lambert, Robert G Loughery, Robert G Loughery, Stephen M Dorwart, Stephen M Dorwart, Susan E Hartley, Terry L Lehman and Timothy E Schoener. View institutional ownership trends. How do I buy shares of Citizens & Northern? Shares of CZNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab. Compare Top Brokerages Here. What is Citizens & Northern's stock price today? One share of CZNC stock can currently be purchased for approximately $19.60. How much money does Citizens & Northern make? Citizens & Northern (NASDAQ:CZNC) has a market capitalization of $301.06 million and generates $117.06 million in revenue each year. The financial services provider earns $26.62 million in net income (profit) each year or $1.67 on an earnings per share basis. How many employees does Citizens & Northern have? The company employs 2,018 workers across the globe. How can I contact Citizens & Northern? Citizens & Northern's mailing address is 90-92 MAIN ST, WELLSBORO PA, 16901. The official website for the company is www.cnbankpa.com. The financial services provider can be reached via phone at (570) 724-3411 or via fax at 570-724-6395. This page (NASDAQ:CZNC) was last updated on 5/27/2023 by MarketBeat.com Staff Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding Citizens & Northern Co. Please log in to your account or sign up in order to add this asset to your watchlist. 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