NASDAQ:CZNCCitizens & Northern Stock Price, Forecast & News

$17.88

-0.61 (-3.30 %)

(As of 07/9/2020 04:00 PM ET)

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Today's Range

$17.64

Now: $17.88▼

$19.69

50-Day Range

$17.14

MA: $19.83▼

$22.75

52-Week Range

$15.69

Now: $17.88▼

$29.06

Volume22,639 shs

Average Volume22,244 shs

Market Capitalization$246.49 million

P/E Ratio13.15

Dividend Yield5.84%

Beta0.42

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York. The company offers deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits, as well as non-insured RepoSweep accounts. It also provides lending products comprising mortgage loans, commercial loans, and consumer loans, as well as commercial letters-of-credit. In addition, the company offers trust and financial management services consisting of administration of trusts and estates, retirement plans, and other employee benefit plans; investment management services; and a range of personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. Further, it reinsures credit and mortgage, life and accident, and health insurance products. The company operates 26 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan, and Tioga counties in Pennsylvania, as well as Steuben County in New York; and a loan production office in Elmira, New York. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Beat the Market (BTM) Rank^™

2.0 Analyst's Opinion

Consensus Rating
Citizens & 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/Downside
According to analysts' consensus price target of $21.00, Citizens & Northern has a potential upside of 17.4% from its current price of $17.88.
Amount of Analyst Coverage
Citizens & Northern has only been the subject of 1 research reports in the past 90 days.

2.0 Community Rank

Outperform Votes
Citizens & Northern has received 146 “outperform” votes. (Add your “outperform” vote.)
Underperform Votes
Citizens & Northern has received 211 “underperform” votes. (Add your “underperform” vote.)
Community Sentiment
Citizens & Northern has received 59.10% “underperform” votes from our community.

MarketBeat's community ratings are surveys of what our community members think about Citizens & Northern and other stocks. Vote “Outperform” if you believe CZNC will outperform the S&P 500 over the long term. Vote “Underperform” if you believe CZNC will underperform the S&P 500 over the long term. You may vote once every thirty days.

2.5 Dividend Strength

Dividend Leadership
Citizens & Northern is a leading dividend payer. It pays a dividend yield of 5.84%, putting its dividend yield in the top 25% of dividend-paying stocks.
Dividend Growth
Citizens & Northern has only been increasing its dividend for 1 years.
Dividend Coverage
The dividend payout ratio of Citizens & Northern is 63.53%. This payout ratio is at a healthy, sustainable level, below 75%.
Dividend Sustainability
Based on EPS estimates, Citizens & Northern will have a dividend payout ratio of 80.00% in the coming year. This indicates that Citizens & Northern may not be able to sustain their current dividend.

3.0 Company Ownership

Insider Buying vs. Insider Selling
In the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $110,573.00 in company stock and sold $0.00 in company stock.
Percentage Held by Insiders
Only 4.09% of the stock of Citizens & Northern is held by insiders.
Percentage Held by Institutions
Only 29.17% of the stock of Citizens & Northern is held by institutions.

1.9 Earnings and Valuation

Earnings Growth
Earnings for Citizens & Northern are expected to decrease by -3.57% in the coming year, from $1.40 to $1.35 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Citizens & Northern is 13.15, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 16.74.
Price to Earnings Ratio vs. Sector
The P/E ratio of Citizens & Northern is 13.15, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.20.
Price to Book Value per Share Ratio
Citizens & Northern has a P/B Ratio of 0.91. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Overall Beat the Market Rank^™

2.28 out of 5 stars

Industry, Sector and Symbol

Stock Exchange NASDAQ

Industry State commercial banks

Sub-IndustryRegional Banks

SectorFinance

Current SymbolNASDAQ:CZNC

Previous Symbol

CUSIP17292210

CIK810958

Webwww.cnbankpa.com

Phone570-724-3411

Debt

Debt-to-Equity Ratio0.32

Current Ratio0.92

Quick Ratio0.92

Price-To-Earnings

Trailing P/E Ratio13.15

Forward P/E Ratio12.77

P/E GrowthN/A

Sales & Book Value

Annual Sales$84.06 million

Price / Sales2.93

Cash Flow$1.98 per share

Price / Cash Flow9.01

Book Value$19.73 per share

Price / Book0.91

Profitability

EPS (Most Recent Fiscal Year)$1.70

Net Income$19.50 million

Net Margins20.86%

Return on Equity8.83%

Return on Assets1.32%

Miscellaneous

Employees299

Outstanding Shares13,786,000

Market Cap$246.49 million

Next Earnings Date8/4/2020 (Estimated)

OptionableOptionable

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Citizens & Northern (NASDAQ:CZNC) Frequently Asked Questions

How has Citizens & Northern's stock been impacted by COVID-19 (Coronavirus)?

Citizens & Northern's stock was trading at $19.43 on March 11th, 2020 when Coronavirus reached pandemic status according to the World Health Organization (WHO). Since then, CZNC shares have decreased by 8.0% and is now trading at $17.88. View which stocks have been most impacted by Coronavirus.

Do Wall Street analysts recommend investors buy shares of Citizens & Northern?

1 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last year. There are currently 1 hold rating for the stock, resulting in a consensus recommendation of "Hold." View analyst ratings for Citizens & Northern.

When is Citizens & Northern's next earnings date?

Citizens & Northern is scheduled to release its next quarterly earnings announcement on Tuesday, August 4th 2020. View our earnings forecast for Citizens & Northern.

How were Citizens & Northern's earnings last quarter?

Citizens & Northern Co. (NASDAQ:CZNC) announced its earnings results on Thursday, May, 7th. The financial services provider reported $0.30 EPS for the quarter. The financial services provider had revenue of $19.56 million for the quarter. Citizens & Northern had a net margin of 20.86% and a return on equity of 8.83%. View Citizens & Northern's earnings history.

How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern?

Citizens & Northern declared a quarterly dividend on Friday, April 17th. Shareholders of record on Monday, April 27th will be paid a dividend of $0.27 per share on Friday, May 8th. This represents a $1.08 dividend on an annualized basis and a dividend yield of 6.04%. The ex-dividend date of this dividend is Friday, April 24th. View Citizens & Northern's dividend history.

What price target have analysts set for CZNC?

1 analysts have issued 1-year price targets for Citizens & Northern's stock. Their forecasts range from $21.00 to $21.00. On average, they expect Citizens & Northern's share price to reach $21.00 in the next year. This suggests a possible upside of 17.4% from the stock's current price. View analysts' price targets for Citizens & Northern.

Has Citizens & Northern been receiving favorable news coverage?

News stories about CZNC stock have trended somewhat negative on Thursday, InfoTrie reports. InfoTrie identifies negative and positive news coverage by monitoring more than six thousand news and blog sources. The firm ranks coverage of companies on a scale of -5 to 5, with scores nearest to five being the most favorable. Citizens & Northern earned a media sentiment score of -1.6 on InfoTrie's scale. They also assigned media headlines about the financial services provider a news buzz of 10.0 out of 10, indicating that recent news coverage is extremely likely to have an effect on the stock's share price in the next several days. View the latest news about Citizens & Northern.

Who are some of Citizens & Northern's key competitors?

Some companies that are related to Citizens & Northern include Truist Financial (TFC), PNC Financial Services Group (PNC), First Republic Bank (FRC), Fifth Third Bancorp (FITB), M&T Bank (MTB), KeyCorp (KEY), SVB Financial Group (SIVB), Regions Financial (RF), Huntington Bancshares (HBAN), Commerce Bancshares (CBSH), Signature Bank (SBNY), Zions Bancorporation NA (ZION), Prosperity Bancshares (PB), East West Bancorp (EWBC) and Cullen/Frost Bankers (CFR). View all competitors.

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 (CCL), CenterPoint Energy (CNP), Consolidated Edison (ED), IBM (IBM), Main Street Capital (MAIN), AT&T (T) and Verizon Communications (VZ).

Who are Citizens & Northern's key executives?

Citizens & Northern's management team includes the following people:

Mr. J. Bradley Scovill, Pres, CEO & Director (Age 60)
Mr. Mark A. Hughes, Treasurer (Age 57)
Mr. Harold F. Hoose III, Exec. VP and Director of Lending - Citizens & Northern Bank (Age 52)
Ms. Deborah E. Scott, Exec. VP and Director of the Trust Dept - Citizens & Northern Bank (Age 59)
Mr. Thomas L. Rudy Jr., Exec. VP and Director of Branch Delivery - Citizens & Northern Bank (Age 54)

What is Citizens & Northern's stock symbol?

Citizens & Northern trades on the NASDAQ under the ticker symbol "CZNC."

How do I buy shares of Citizens & Northern?

Shares of CZNC can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.

What is Citizens & Northern's stock price today?

One share of CZNC stock can currently be purchased for approximately $17.88.

How big of a company is Citizens & Northern?

Citizens & Northern has a market capitalization of $246.49 million and generates $84.06 million in revenue each year. The financial services provider earns $19.50 million in net income (profit) each year or $1.70 on an earnings per share basis. Citizens & Northern employs 299 workers across the globe.

What is Citizens & Northern's official website?

The official website for Citizens & Northern is www.cnbankpa.com.

How can I contact Citizens & Northern?

Citizens & Northern's mailing address is 90-92 MAIN ST, WELLSBORO PA, 16901. The financial services provider can be reached via phone at 570-724-3411.

This page was last updated on 7/9/2020 by MarketBeat.com Staff

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