Should I buy or sell Citizens & Northern stock right now?

1 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last twelve months. There are currently 1 hold rating 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 target for 2024?

1 analysts have issued 12-month price objectives for Citizens & Northern's stock. Their CZNC share price targets range from $21.00 to $21.00. On average, they expect the company's stock price to reach $21.00 in the next year. This suggests a possible upside of 20.4% 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 2024?

Citizens & Northern's stock was trading at $22.43 at the beginning of the year. Since then, CZNC stock has decreased by 22.2% and is now trading at $17.44. View the best growth stocks for 2024 here .

Are investors shorting Citizens & Northern?

Citizens & Northern saw a decrease in short interest in the month of March. As of March 31st, there was short interest totaling 82,000 shares, a decrease of 19.1% from the March 15th total of 101,400 shares. Based on an average daily volume of 25,700 shares, the short-interest ratio is currently 3.2 days. Approximately 0.6% of the company's shares 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 Friday, May 3rd 2024. View our CZNC earnings forecast .

How were Citizens & Northern's earnings last quarter?

Citizens & Northern Co. (NASDAQ:CZNC) announced its earnings results on Monday, March, 11th. The financial services provider reported $0.28 EPS for the quarter, missing analysts' consensus estimates of $0.36 by $0.08. The financial services provider earned $25.27 million during the quarter, compared to analyst estimates of $26.39 million. Citizens & Northern had a trailing twelve-month return on equity of 9.60% and a net margin of 17.51%.

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

Citizens & Northern declared a quarterly dividend on Thursday, January 18th. Investors of record on Monday, January 29th will be given a dividend of $0.28 per share on Friday, February 9th. This represents a $1.12 annualized dividend and a yield of 6.42%. The ex-dividend date of this dividend is Friday, January 26th. 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 6.58%. CZNC has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 71.34%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZNC will have a dividend payout ratio of 62.57% 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) .

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 Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here .

NASDAQ:CZNC

Citizens & Northern (CZNC) Stock Price, News & Analysis

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$17.29

+0.25 (+1.47%)

(As of 04/18/2024 ET)

Compare

Today's Range: $17.00
▼
$17.47
50-Day Range: $17.02
▼
$20.11
52-Week Range: $16.71
▼
$23.50

Volume: 28,877 shs
Average Volume: 24,868 shs
Market Capitalization: $265.92 million

P/E Ratio: 11.01
Dividend Yield: 6.48%
Price Target: $21.00

Get Citizens & Northern alerts:

Citizens & Northern MarketRank™ Stock Analysis

Analyst Rating: Hold
2.00 Rating Score
Upside/Downside: 20.4% Upside
$21.00 Price Target
Short Interest: Healthy
0.56% of Float Sold Short
Dividend Strength: Strong
Based on Four Factors
Sustainability: N/A
News Sentiment: 0.69
Based on 2 Articles This Week
Insider Trading: Acquiring Shares
$12,414 Bought Last Quarter
Proj. Earnings Growth: 9.82%
From $1.63 to $1.79 Per Share

Overall MarketRank^™

New Rank-Based ScoringMarketRank^™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.

3.73 out of 5 stars

Finance Sector

388th out of 829 stocks

State Commercial Banks Industry

91st out of 172 stocks

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.
Amount of Analyst Coverage
Citizens & Northern has received no research coverage in the past 90 days.

5.0

Short Interest

Percentage of Shares Shorted
0.56% of the float of Citizens & Northern has been sold short.
Short Interest Ratio / Days to Cover
Citizens & Northern has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.
Change versus previous month
Short interest in Citizens & Northern has recently decreased by 19.13%, indicating that investor sentiment is improving significantly.

3.3

Dividend Strength

Dividend Leadership
Citizens & Northern is a leading dividend payer. It pays a dividend yield of 6.58%, putting its dividend yield in the top 25% of dividend-paying stocks.
Dividend Growth
Citizens & Northern does not have a long track record of dividend growth.
Dividend Coverage
The dividend payout ratio of Citizens & Northern is 71.34%. This payout ratio is at a healthy, sustainable level, below 75%.
Dividend Sustainability
Based on earnings estimates, Citizens & Northern will have a dividend payout ratio of 62.57% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for CZNC.

3.2

News and Social Media Coverage

News Sentiment
Citizens & Northern has a news sentiment score of 0.69. 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 0.57 average news sentiment score of Finance companies.
News Coverage This Week
MarketBeat has tracked 2 news articles for Citizens & Northern this week, compared to 0 articles on an average week.
Search Interest
1 people have searched for CZNC on MarketBeat in the last 30 days.

1.7

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 $12,414.00 in company stock and sold $0.00 in company stock.
Percentage Held by Insiders
Only 3.74% of the stock of Citizens & Northern is held by insiders.
Percentage Held by Institutions
Only 30.83% of the stock of Citizens & Northern is held by institutions.

2.5

Earnings and Valuation

Earnings Growth
Earnings for Citizens & Northern are expected to grow by 9.82% in the coming year, from $1.63 to $1.79 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of Citizens & Northern is 11.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 140.57.
Price to Earnings Ratio vs. Sector
The P/E ratio of Citizens & Northern is 11.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 59.50.
Price to Book Value per Share Ratio
Citizens & Northern has a P/B Ratio of 1.02. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

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About Citizens & Northern Stock (NASDAQ:CZNC)

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

CZNC Stock Price History

30 days | 90 days | 365 days | Advanced Chart

CZNC Stock News Headlines

April 1, 2024 | msn.com

Global Citizens Festival returning to Central Park for 12th straight year

March 17, 2024 | finance.yahoo.com

Citizens & Northern Full Year 2023 Earnings: Revenues Beat Expectations, EPS Lags

April 18, 2024 | Gold Safe Exchange (Ad)

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Gold has already reached all-time highs, and experts believe it's not slowing down any time soon. In fact, some analysts predict a $7,000 price tag by 2025.

March 15, 2024 | investorplace.com

CZNC Stock Earnings: Citizens & Northern Misses EPS, Misses Revenue for Q4 2023

March 6, 2024 | finance.yahoo.com

Citizens & Northern Corporation (CZNC)

February 15, 2024 | msn.com

US citizens to be "naturalized" in Cedar Rapids on February 16th

January 25, 2024 | finance.yahoo.com

Citizens & Northern Corp's Dividend Analysis

January 21, 2024 | finance.yahoo.com

Analysts Are Updating Their Citizens & Northern Corporation (NASDAQ:CZNC) Estimates After Its Full-Year Results

April 18, 2024 | Gold Safe Exchange (Ad)

The “Perfect Storm” for Gold

Gold has already reached all-time highs, and experts believe it's not slowing down any time soon. In fact, some analysts predict a $7,000 price tag by 2025.

January 18, 2024 | msn.com

Highly-Ranked Finance Stocks to Buy for Income

December 22, 2023 | finance.yahoo.com

Citizens & Northern (NASDAQ:CZNC) shareholders have earned a 11% CAGR over the last three years

December 16, 2023 | msn.com

Citizens & Northern (CZNC) Price Target Increased by 5.13% to 20.91

December 14, 2023 | finance.yahoo.com

Strength Seen in First Commonwealth Financial (FCF): Can Its 5.5% Jump Turn into More Strength?

November 10, 2023 | benzinga.com

Ensuring Stability for Investors: Citizens & Northern Maintains Commitment Amidst Challenges and Decreased Profits

November 10, 2023 | morningstar.com

Citizens & Northern Corp CZNC

October 30, 2023 | finance.yahoo.com

Citizens & Northern (CZNC) to Report Q3 Results: Wall Street Expects Earnings Growth

October 25, 2023 | msn.com

Univest (UVSP) Beats Q3 Earnings Estimates

October 20, 2023 | markets.businessinsider.com

Piper Sandler Reaffirms Their Hold Rating on Citizens & Northern (CZNC)

October 1, 2023 | barrons.com

Citizens & Northern Corp.

September 21, 2023 | msn.com

USCIS introduces 79 new citizens in naturalization ceremony

September 20, 2023 | finance.yahoo.com

Q2 and Citizens & Northern Bank Win 2023 IDC FinTech Rankings Real Results Award

July 21, 2023 | markets.businessinsider.com

Citizens & Northern (CZNC) Gets a Hold from Piper Sandler

July 15, 2023 | finance.yahoo.com

The past five years for Citizens & Northern (NASDAQ:CZNC) investors has not been profitable

July 13, 2023 | finance.yahoo.com

Earnings Preview: Citizens & Northern (CZNC) Q2 Earnings Expected to Decline

July 3, 2023 | bizjournals.com

Citizens Financial sees 'huge opportunity' in Philadelphia market after acquiring HV Bancorp

April 25, 2023 | finance.yahoo.com

Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28

April 25, 2023 | msn.com

Piper Sandler Maintains Citizens & Northern (CZNC) Neutral Recommendation

See More Headlines

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Company Calendar

Ex-Dividend for 2/9 Dividend: 1/26/2024
Dividend Payable: 2/09/2024
Last Earnings: 3/11/2024
Today: 4/18/2024
Next Earnings (Estimated): 5/03/2024
Fiscal Year End: 12/31/2024

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Industry, Sector and Symbol

Stock Exchange: NASDAQ
Sector: Finance
Industry: State commercial banks
Sub-Industry: Regional Banks
Current Symbol: NASDAQ:CZNC
CUSIP: 17292210
CIK: 810958
Web: www.cnbankpa.com
Phone: (570) 724-3411
Fax: 570-724-6395
Employees: 404
Year Founded: 1864

Price Target and Rating

Average Stock Price Target: $21.00
High Stock Price Target: $21.00
Low Stock Price Target: $21.00
Potential Upside/Downside: +20.4%
Consensus Rating: Hold
Rating Score (0-4): 2.00
Research Coverage: 1 Analysts

Profitability

EPS (Most Recent Fiscal Year): $1.57
Trailing P/E Ratio: 11.11
Forward P/E Ratio: 10.70
P/E Growth: N/A
Net Income: $24.15 million
Net Margins: 17.51%
Pretax Margin: 22.10%
Return on Equity: 9.60%
Return on Assets: 0.98%

Debt

Debt-to-Equity Ratio: 0.68
Current Ratio: 0.91
Quick Ratio: 0.91

Sales & Book Value

Annual Sales: $137.92 million
Price / Sales: 1.94
Cash Flow: $1.88 per share
Price / Cash Flow: 9.26
Book Value: $17.18 per share
Price / Book: 1.02

Miscellaneous

Outstanding Shares: 15,380,000
Free Float: 14,803,000
Market Cap: $268.23 million
Optionable: Optionable
Beta: 0.44

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Key Executives

Mr. J. Bradley Scovill (Age 65)
President, CEO & Director
Comp: $1.09M
Mr. Stan R. Dunsmore (Age 62)
EVP and Chief Credit Officer of Citizens & Northern Bank
Comp: $377.52k
Mr. Blair T. Rush (Age 62)
EVP and Southeast Region President of Citizens & Northern Bank
Comp: $392.79k
Mr. Mark A. Hughes (Age 62)
Treasurer
Comp: $503.29k
Mr. Thomas L. Rudy Jr. (Age 59)
EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank
Comp: $238.74k
Ms. Kelley A. Cwiklinski (Age 60)
Executive VP & Chief Commercial Lending Officer
Mr. Philip Prough CFP
CIMA, Senior VP & Chief Investment Strategist
Ms. Shelley L. D'Haene (Age 63)
Executive VP and Chief Digital Channels & Payments Officer
Mr. Glenn Richard James Esq. (Age 69)
Corporate Secretary

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

CZNC Stock Analysis - Frequently Asked Questions

Should I buy or sell Citizens & Northern stock right now?: 1 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last twelve months. There are currently 1 hold rating 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 target for 2024?: 1 analysts have issued 12-month price objectives for Citizens & Northern's stock. Their CZNC share price targets range from $21.00 to $21.00. On average, they expect the company's stock price to reach $21.00 in the next year. This suggests a possible upside of 20.4% 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 2024?: Citizens & Northern's stock was trading at $22.43 at the beginning of the year. Since then, CZNC stock has decreased by 22.2% and is now trading at $17.44.
View the best growth stocks for 2024 here.
Are investors shorting Citizens & Northern?: Citizens & Northern saw a decrease in short interest in the month of March. As of March 31st, there was short interest totaling 82,000 shares, a decrease of 19.1% from the March 15th total of 101,400 shares. Based on an average daily volume of 25,700 shares, the short-interest ratio is currently 3.2 days. Approximately 0.6% of the company's shares 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 Friday, May 3rd 2024.
View our CZNC earnings forecast.
How were Citizens & Northern's earnings last quarter?: Citizens & Northern Co. (NASDAQ:CZNC) announced its earnings results on Monday, March, 11th. The financial services provider reported $0.28 EPS for the quarter, missing analysts' consensus estimates of $0.36 by $0.08. The financial services provider earned $25.27 million during the quarter, compared to analyst estimates of $26.39 million. Citizens & Northern had a trailing twelve-month return on equity of 9.60% and a net margin of 17.51%.

How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern?: Citizens & Northern declared a quarterly dividend on Thursday, January 18th. Investors of record on Monday, January 29th will be given a dividend of $0.28 per share on Friday, February 9th. This represents a $1.12 annualized dividend and a yield of 6.42%. The ex-dividend date of this dividend is Friday, January 26th.
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 6.58%. CZNC has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 71.34%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZNC will have a dividend payout ratio of 62.57% 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).
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 Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

This page (NASDAQ:CZNC) was last updated on 4/18/2024 by MarketBeat.com Staff

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