Citizens-and-Northern is a banks - regional business based in the US. Citizens-and-Northern shares (CZNC) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $19.84 – a decrease of 2.75% over the previous week. Citizens-and-Northern employs 404 staff and has a trailing 12-month revenue of around $101.9 million.
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| Latest market close | $19.84 |
|---|---|
| 52-week range | $15.99 - $22.20 |
| 50-day moving average | $19.45 |
| 200-day moving average | $18.60 |
| Wall St. target price | $21.00 |
| PE ratio | 14.1667 |
| Dividend yield | $1.12 (5.44%) |
| Earnings per share (TTM) | $1.44 |
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Historical closes compared with the close of $20.02 from 2024-11-19
| 1 week (2024-11-13) | -2.67% |
|---|---|
| 1 month (2024-10-18) | 3.57% |
| 3 months (2024-08-20) | 4.60% |
| 6 months (2024-05-20) | 11.47% |
| 1 year (2023-11-20) | -0.60% |
|---|---|
| 2 years (2022-11-18) | -8.78% |
| 3 years (2021-11-19) | 22.7122 |
| 5 years (2019-11-20) | 20.4818 |
Valuing Citizens-and-Northern stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens-and-Northern's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Citizens-and-Northern's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 14x. In other words, Citizens-and-Northern shares trade at around 14x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
| Revenue TTM | $101.9 million |
|---|---|
| Operating margin TTM | 29.96% |
| Gross profit TTM | $100.3 million |
| Return on assets TTM | 0.86% |
| Return on equity TTM | 8.52% |
| Profit margin | 21.63% |
| Book value | $17.99 |
| Market Capitalization | $314.4 million |
TTM: trailing 12 months
Dividend payout ratio: 77.78% of net profits
Recently Citizens-and-Northern has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens-and-Northern shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Citizens-and-Northern's case, that would currently equate to about $1.12 per share.
Citizens-and-Northern's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Citizens-and-Northern's most recent dividend payout was on 7 November 2024. The latest dividend was paid out to all shareholders who bought their shares by 27 October 2024 (the "ex-dividend date").
Citizens-and-Northern's shares were split on a 101:100 basis on 27 December 2007 . So if you had owned 100 shares the day before before the split, the next day you'd have owned 101 shares. This wouldn't directly have changed the overall worth of your Citizens-and-Northern shares – just the quantity. However, indirectly, the new 1% lower share price could have impacted the market appetite for Citizens-and-Northern shares which in turn could have impacted Citizens-and-Northern's share price.
Over the last 12 months, Citizens-and-Northern's shares have ranged in value from as little as $15.9947 up to $22.1976. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Citizens-and-Northern's is 0.448. This would suggest that Citizens-and-Northern's shares are less volatile than average (for this exchange).
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. .
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