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- Ticker
- CZNC
- Price
- 18.32
- Stock movement down
- -0.09 (-0.49%)
- Company name
- Citizens & Northern Corp
- Exchange
- (NASDAQ ,
- Currency
- USD )
- Sector
- Financial Services >Banks - Regional
- Market cap
- 282.39M
- Ent value
- 2.65B
- Price/Sales
- 1.85
- Price/Book
- 1.02
- Div yield
- 6.11%
- Div growth
- 0.81%
- Growth years
- -
- FCF payout
- -272.54%
- Trailing P/E
- 12.81
- Forward P/E
- 10.18
- PEG
- -
- EPS growth
- -2.47%
- 1 year return
- 6.76%
- 3 year return
- -8.99%
- 5 year return
- -0.96%
- 10 year return
- -1.15%
Last updated: 2025-04-11
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
DIVIDENDS
Dividend yield - 5y
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Dividend yield data
| Dividend per share | 1.12 |
| Dividend yield | 6.11% |
| Payout frequency | - |
| Maximum yield | 7.12% |
| Average yield | 5.31% |
| Minimum yield | 4.03% |
| Discount to avg yield | 13.12% |
| Upside potential | 15.11% |
| Yield as % of max yield | 85.87% |
Yield distribution (inverse percentile) - 5y
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Yield distribution data
| Dividend yield | 6.11% |
| Current yield distribution | 16.59% |
| Yield at 100% (Min) | 4.03% |
| Yield at 90% | 4.47% |
| Yield at 80% | 4.56% |
| Yield at 50% (Median) | 5.36% |
| Yield at 20% | 6.03% |
| Yield at 10% | 6.28% |
| Yield at 0% (Max) | 7.12% |
Dividend per share
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Dividend per share data
| Years of growth | - |
| CCC status | - |
| Dividend per share | 1.12 |
| Payout frequency | - |
| Ex-div date | 3 Feb 2025 |
| EPS (TTM) | 1.44 |
| EPS (1y forward) | 1.80 |
| EPS growth (5y) | -2.47% |
| EPS growth (5y forward) | - |
Dividend growth
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Dividend growth data
| CZNC | S&P500 | |
| DGR MR | 3.70% | -13.74% |
| DGR TTM | - | 6.60% |
| DGR 3 years | 1.22% | 5.24% |
| DGR 5 years | 0.81% | 5.40% |
| DGR 10 years | 1.18% | 7.07% |
| DGR 15 years | 1.06% | 6.12% |
| Time since last change announced | 1454 days |
| EPS growth (5y) | -2.47% |
| EPS growth (5y forward) | - |
Payout ratio
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Payout ratio data
| EPS coverage | FCF coverage | |
| TTM | 70.32% | -272.54% |
| Average | 61.26% | 53.62% |
| Forward | 62.22% | - |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
VALUATION
Valuation Ratios
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Valuation Ratios data
| Trailing P/E | 12.81 |
| Price to OCF | 10.08 |
| Price to FCF | - |
| Price to EBITDA | 32.82 |
| EV to EBITDA | 308.07 |
Valuation (Sales/Book Value)
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Valuation (Sales/Book Value) data
| Price to Sales | 1.85 |
| Price to Book | 1.02 |
| EV to Sales | 17.40 |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
FINANCIALS
Per share
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Per share data
| Current share count | 15.41M |
| EPS (TTM) | 1.44 |
| FCF per share (TTM) | -0.37 |
Income statement
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Income statement data
| Revenue (TTM) | 152.34M |
| Gross profit (TTM) | 152.32M |
| Operating income (TTM) | 52.13M |
| Net income (TTM) | 22.05M |
| EPS (TTM) | 1.44 |
| EPS (1y forward) | 1.80 |
Margins
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Margins data
| Gross margin (TTM) | 99.99% |
| Operating margin (TTM) | 34.22% |
| Profit margin (TTM) | 14.47% |
Balance Sheet
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Balance Sheet data
| Cash | 24.99M |
| Net receivables | 9.42M |
| Total current assets | 474.75M |
| Goodwill | 52.51M |
| Intangible assets | 2.18M |
| Property, plant and equipment | 0.00 |
| Total assets | 2.67B |
| Accounts payable | 0.00 |
| Short/Current long term debt | 224.30M |
| Total current liabilities | 0.00 |
| Total liabilities | 2.39B |
| Shareholder's equity | 277.31M |
| Net tangible assets | 0.00 |
Cash flow
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Cash flow data
| Operating cash flow (TTM) | 28.00M |
| Capital expenditures (TTM) | 33.69M |
| Free cash flow (TTM) | -5.69M |
| Dividends paid (TTM) | 15.50M |
Financial returns
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Financial returns data
| Return on Equity | 7.95% |
| Return on Assets | 0.83% |
| Return on Invested Capital | 4.57% |
| Cash Return on Invested Capital | -1.18% |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
STOCK INFORMATION
Stock chart
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Stock price data
| Open | 18.57 |
| Daily high | 19.36 |
| Daily low | 18.15 |
| Daily Volume | 24K |
| All-time high | 36.17 |
| 1y analyst estimate | 21.50 |
| Beta | 0.45 |
| EPS (TTM) | 1.44 |
| Dividend per share | 1.12 |
| Ex-div date | 3 Feb 2025 |
| Next earnings date | 23 Apr 2025 |
Downside potential
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Downside potential data
| CZNC | S&P500 | |
| Current price drop from All-time high | -49.36% | -12.89% |
| Highest price drop | -77.47% | -56.47% |
| Date of highest drop | 27 Nov 2009 | 9 Mar 2009 |
| Avg drop from high | -36.03% | -11.07% |
| Avg time to new high | 51 days | 12 days |
| Max time to new high | 4936 days | 1805 days |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
COMPANY DETAILS
Marketcap
282.39M
Marketcap category
Small-cap
Description
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.
Employees
404
Website
Investor relations
-
SEC filings
CEO
J. Bradley Scovill
Country
USA
City
Wellsboro
Stock type
Common stock
CCC status
-
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
UNDERSTAND THE BUSINESS
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COMPANY NEWS
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