NASDAQ:CZNC Citizens & Northern (CZNC) Stock Forecast, Price & News $17.72 -0.12 (-0.67%) (As of 09/26/2023 ET) Add Compare Share Share Today's Range$17.63▼$18.0450-Day Range$17.10▼$21.5952-Week Range$16.71▼$25.20Volume20,550 shsAverage Volume24,451 shsMarket Capitalization$270.41 millionP/E Ratio11.22Dividend Yield6.32%Price Target$23.50 ProfileProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial MediaProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media Citizens & Northern MarketRank™ ForecastAnalyst RatingHold2.00 Rating ScoreUpside/Downside32.6% Upside$23.50 Price TargetShort InterestHealthy0.96% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment1.00Based on 4 Articles This WeekInsider TradingBalancedInsiders Both Buying and SellingProj. Earnings Growth1.91%From $1.57 to $1.60 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.2.63 out of 5 starsFinance Sector280th out of 829 stocksState Commercial Banks Industry71st out of 172 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, 2 hold ratings, and no sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $23.50, Citizens & Northern has a forecasted upside of 32.6% from its current price of $17.72.Amount of Analyst CoverageCitizens & Northern has received no research coverage in the past 90 days. Previous Next 4.0 Short Interest Percentage of Shares Shorted0.96% 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 6.4.Change versus previous monthShort interest in Citizens & Northern has recently decreased by 6.12%, indicating that investor sentiment is improving significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 6.33%, 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 70.89%. 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 70.00% 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 2.8 News and Social Media Coverage News SentimentCitizens & Northern has a news sentiment score of 1.00. 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 higher news sentiment than the 0.76 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Citizens & Northern this week, compared to 0 articles on an average week. Previous Next 0.8 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $14,321.00 in company stock and sold $16,507.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.Percentage Held by InsidersOnly 3.74% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 29.12% 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 1.91% in the coming year, from $1.57 to $1.60 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 11.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 125.63.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 11.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 87.55.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.10. 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 Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and lending services to individual and corporate customers. The company's lending portfolio includes commercial, mortgage, and consumer loans, as well as specialized instruments such as commercial letters-of-credit; and offers deposit products, which includes various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. It provides wealth management services, such as retirement planning, estate planning, estate settlements, and asset management services; and insurance products through broker-dealer, which includes mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as offers reinsures credit and mortgage, life and accident, and health insurance products. The company was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.Read More CZNC Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZNC Stock News HeadlinesSeptember 21, 2023 | msn.comUSCIS introduces 79 new citizens in naturalization ceremonySeptember 20, 2023 | finance.yahoo.comQ2 and Citizens & Northern Bank Win 2023 IDC FinTech Rankings Real Results AwardSeptember 27, 2023 | Behind the Markets (Ad)66,000% upside on tiny biotech?The Wall Street Journal reports that this medical breakthrough is "Transforming Medicine." One analyst calculated that it could be worth $1 Trillion, making the upside potential of this small-cap 66,000% above today's price.July 21, 2023 | markets.businessinsider.comCitizens & Northern (CZNC) Gets a Hold from Piper SandlerJuly 15, 2023 | finance.yahoo.comThe past five years for Citizens & Northern (NASDAQ:CZNC) investors has not been profitableJuly 13, 2023 | finance.yahoo.comEarnings Preview: Citizens & Northern (CZNC) Q2 Earnings Expected to DeclineJuly 3, 2023 | bizjournals.comCitizens Financial sees 'huge opportunity' in Philadelphia market after acquiring HV BancorpApril 25, 2023 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28September 27, 2023 | Altimetry (Ad)WARNING: Seven millionaires to trigger sudden market panic?The next major selloff could be just days away…And seven powerful (yet completely unknown) insiders will be behind it all – and help corporate executives make a killing as it plays out. Here’s the full story.April 25, 2023 | msn.comPiper Sandler Maintains Citizens & Northern (CZNC) Neutral RecommendationApril 23, 2023 | msn.comCitizens & Northern (CZNC) Declares $0.28 DividendApril 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 saleFebruary 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 InvestorsJuly 28, 2022 | msn.comHundreds take oath becoming U.S. citizens during naturalization ceremony At Wrigley FieldSee More Headlines 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 Ex-Dividend for 8/11 Dividend7/28/2023Last Earnings8/08/2023Dividend Payable8/11/2023Today9/27/2023Next Earnings (Estimated)11/06/2023Fiscal 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) 724-3411Fax570-724-6395Employees412Year Founded1864Price Target and Rating Average Stock Price Forecast$23.50 High Stock Price Forecast$26.00 Low Stock Price Forecast$21.00 Forecasted Upside/Downside+32.6%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage2 Analysts Profitability EPS (Most Recent Fiscal Year)$1.58 Trailing P/E Ratio11.22 Forward P/E Ratio11.29 P/E GrowthN/ANet Income$26.62 million Net Margins19.15% Pretax Margin23.48% Return on Equity9.87% Return on Assets1.00% Debt Debt-to-Equity Ratio0.62 Current Ratio0.90 Quick Ratio0.90 Sales & Book Value Annual Sales$117.06 million Price / Sales2.31 Cash Flow$1.96 per share Price / Cash Flow9.03 Book Value$16.08 per share Price / Book1.10Miscellaneous Outstanding Shares15,260,000Free Float14,686,000Market Cap$270.41 million OptionableOptionable Beta0.37 Social Links A Guide To High-Short-Interest StocksMarketBeat's analysts have just released their top five short plays for October 2023. Learn which stocks have the most short interest and how to trade them. Click the link below to see which companies made the list.Get This Free Report Key ExecutivesMr. J. Bradley Scovill (Age 64)Pres, CEO & Director Comp: $863.69kMr. Stan R. Dunsmore (Age 61)EVP and Chief Credit Officer of Citizens & Northern Bank Comp: $342.75kMr. Blair T. Rush (Age 61)EVP and Southeast Region Pres of Citizens & Northern Bank Comp: $360.52kMr. Mark A. Hughes (Age 61)Treasurer Comp: $427.3kMr. Craig MorgensternVP & Sr. Investment OfficerMr. Thomas L. Rudy Jr. (Age 58)EVP, Chief Delivery Officer and Region Pres of Citizens & Northern Bank Ms. Kelley A. Cwiklinski (Age 59)Exec. VP & Chief Commercial Lending Officer Mr. Philip Prough CFPCIMA, Sr. VP & Chief Investment StrategistMs. Shelley L. D'Haene (Age 62)Exec. VP and Chief Digital Channels & Payments Officer Skye L. MahoskyCorp. Sec.More ExecutivesKey CompetitorsWest BancorporationNASDAQ:WTBASierra BancorpNASDAQ:BSRRBank of Marin BancorpNASDAQ:BMRCMidWestOne Financial GroupNASDAQ:MOFGEnterprise BancorpNASDAQ:EBTCView All CompetitorsInsiders & InstitutionsBarclays PLCSold 4,540 shares on 9/21/2023Ownership: 0.020%ST Germain D J Co. Inc.Bought 1,828 shares on 9/7/2023Ownership: 0.012%Katherine W ShattuckBought 179 shares on 9/1/2023Total: $3,281.07 ($18.33/share)Tracy Ellen WatkinsSold 356 sharesTotal: $6,860.12 ($19.27/share)Tracy Ellen WatkinsSold 496 sharesTotal: $9,647.20 ($19.45/share)View All Insider TransactionsView All Institutional Transactions CZNC Stock - Frequently Asked Questions Should I buy or sell Citizens & Northern stock right now? 2 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last year. There are currently 2 hold ratings for the stock. The consensus among Wall Street equities 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? 2 brokers have issued 12-month target prices for Citizens & Northern's shares. Their CZNC share price forecasts range from $21.00 to $26.00. On average, they expect the company's share price to reach $23.50 in the next year. This suggests a possible upside of 32.6% 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 start of the year. Since then, CZNC shares have decreased by 22.5% and is now trading at $17.72. View the best growth stocks for 2023 here. When is Citizens & Northern's next earnings date? The company is scheduled to release its next quarterly earnings announcement on Monday, November 6th 2023. View our CZNC earnings forecast. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) issued its earnings results on Tuesday, August, 8th. The financial services provider reported $0.39 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.37 by $0.02. The financial services provider earned $27 million during the quarter, compared to analysts' expectations of $26.75 million. Citizens & Northern had a trailing twelve-month return on equity of 9.87% and a net margin of 19.15%. How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern? Citizens & Northern declared a quarterly dividend on Thursday, July 20th. Stockholders of record on Monday, July 31st will be paid a dividend of $0.28 per share on Friday, August 11th. This represents a $1.12 dividend on an annualized basis and a yield of 6.32%. The ex-dividend date of this dividend is Friday, July 28th. Read our dividend analysis for CZNC. 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 6.33%. CZNC has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 70.89%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZNC will have a dividend payout ratio of 70.00% 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. (7.16%), Dimensional Fund Advisors LP (3.20%), Citizens & Northern Corp (2.09%), State Street Corp (2.01%), Geode Capital Management LLC (1.92%) and IVC Wealth Advisors LLC (0.90%). Insiders that own company stock include Bobbi J Kilmer, Frank G Pellegrino, Frank G Pellegrino, Helen S Santiago, Katherine W Shattuck, Leo F Lambert, Robert G Loughery, Robert G Loughery, Stephen M Dorwart, Susan E Hartley, Terry L Lehman, Timothy E Schoener and Tracy Ellen Watkins. 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 $17.72. How much money does Citizens & Northern make? Citizens & Northern (NASDAQ:CZNC) has a market capitalization of $270.41 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 $1.58 on an earnings per share basis. How many employees does Citizens & Northern have? The company employs 412 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 9/27/2023 by MarketBeat.com Staff Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. 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