Citizens & Northern Corp

Dividend Per Share TTM ($)	1.12
Forward Annual Dividend Yield	6.53%
Ex Dividend Date (MM/DD/YYYY)	1/26/2024
Dividend Pay Date (MM/DD/YYYY)	2/9/2024
Dividend Yield (TTM)	6.57%
Forward Annual Dividend Rate ($)	1.12
Dividend Payout Ratio	28.05
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	1.63
EPS Estimate Next Year ($)	1.79
EPS Estimate Next Quarter ($)	0.4
EPS Estimate Current Quarter ($)	0.34
Current Target Price ($)	20.5
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	20.50
2 week Ago Target Price ($)	20.50
3 week Ago Target Price ($)	21.50

Financial Health

Cash Flow Per Share TTM ($)	2.18
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.81
Long term debt per share (Last Quarter)	10.6
F Score	5.0

Technicals

RSI (14 Day)	43.53
14 Day SMA ($)	17.51
14 Day EMA ($)	17.47
Money Flow Index	72.36
Average True Range	0.63
50 Day SMA ($)	18.17
200 Day SMA ($)	19.34
ADX	13.04
MACD	0.31

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	0.97
Profit Margin TTM (%)	-1.0
Return on Equity TTM (%)	9.44
Return on Capital TTM (%)	-0.1
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
ACNB	0.0316	0 B	10.1	32.94
CNAF
CUBI		2 B	6.6	61.55
FNB	0.0355	4 B	10.5	13.53
FRBK		0 B	13	4.69
NWFL	0.04	0 B	9.5	28.03
ORRF	0.0305	0 B	8.4	24.91
PWOD	0.0527	0 B	10.8	24.29
STBA	0.0371	1 B	11	31.25
UVSP	0.0264	1 B	9.7	30.31

Pull option chain for the stock and check the payoff of your option strategies here

Financials

Income Statement

Balance Sheet

Cash Flow

CZNC Income Statement

Annual

	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23
Amortization of intangibles	-35000.0	-22000.0	-13000.0	-5000.0	-3000.0	-223000.0	540000.0	535000.0	439000.0	408000.0
Basic EPS from continuing operations	1.38	1.35	1.3	1.1	1.79	1.46	1.3	1.92	1.71	1.57
Basic EPS total	1.38	1.35	1.3	1.1	1.79	1.46	1.3	1.92	1.71	1.57
Basic weighted shares outstanding	12 M	12 M	12 M	12 M	12 M	13 M	15 M	16 M	15 M	15 M
CreditLossesProvision	476000.0	845000.0	1 M	801000.0	584000.0	849000.0	4 M	4 M	7 M	186000.0
Depreciation	-2 M	-2 M	-2 M	-2 M	-2 M	-2 M	2 M	2 M	2 M	2 M
DepreciationAndAmortization	-2 M	-2 M	-2 M	-2 M	-2 M	-2 M	2 M	2 M	2 M	2 M
Diluted EPS total	1.38	1.35	1.3	1.1	1.79	1.46	1.3	1.92	1.71	1.57
Diluted normalized net income/share	1.38	1.35	1.3	1.1	1.79	1.46	1.3	1.92	1.71	1.57
Diluted weighted shares outstanding	12 M	12 M	12 M	12 M	12 M	13 M	15 M	16 M	15 M	15 M
DividendIncome	307000.0	284000.0	70000.0	21000.0	22000.0	23000.0	331000.0	384000.0	722000.0	1 M
Equipment	2 M	2 M	2 M	1 M	1 M	1 M	1 M
FeesAndCommissions	14 M	16 M	14 M	1 M	849000.0	1 M	2 M	2 M	2 M	-1 M
GeneralAndAdministrativeExpense	5 M	5 M	6 M	5 M	5 M	7 M
ImpairmentOfCapitalAssets	27000.0	162000.0	282000.0
Income before tax	23 M	22 M	21 M	21 M	26 M	23 M	23 M	38 M	32 M	30 M
Income restructuring and M&A					328000.0	4 M	8 M
Income taxes	6 M	6 M	6 M	7 M	4 M	4 M	4 M	7 M	6 M	6 M
InsuranceAndClaims	5 M	5 M	6 M	5 M	5 M	7 M
Interest expense	-5 M	-5 M	-4 M	-4 M	-5 M	-10 M	10 M	7 M	10 M	33 M
InterestExpenseForCapitalizedLeaseObligations						-251000.0	371000.0	492000.0	599000.0	644000.0
InterestExpenseForDeposit	2 M	2 M	2 M	2 M	4 M	8 M	7 M	5 M	7 M	24 M
InterestExpenseForLongTermDebt	3 M	3 M	1 M	1 M	557000.0	1 M	1 M	399000.0	896000.0	4 M
InterestExpenseForLongTermDebtAndCapitalSecurities	3 M	3 M	1 M	1 M	557000.0	1 M	1 M	399000.0	896000.0	4 M
InterestExpenseForShortTermDebt	9000.0	32000.0	155000.0	213000.0	366000.0	733000.0	367000.0	23000.0	429000.0	3 M
InterestIncome	46 M	45 M	44 M	46 M	50 M	65 M	77 M	85 M	93 M	114 M
InterestIncomeAfterProvisionForLoanLoss	40 M	38 M	38 M	40 M	45 M	53 M	64 M	74 M	76 M	80 M
InterestIncomeFromDeposits	125000.0	93000.0	116000.0	190000.0	415000.0	514000.0	251000.0
InterestIncomeFromInvestmentSecurities	13 M	13 M	11 M	11 M	50 M	64 M	77 M	84 M	92 M	112 M
InterestIncomeFromLoans	32 M	31 M	33 M	35 M	39 M		64 M	74 M
InterestIncomeFromLoansAndLease	32 M	31 M	33 M	35 M	39 M		64 M	74 M
InterestIncomeFromSecurities	13 M	13 M	11 M	11 M	50 M	64 M	77 M	84 M	92 M	112 M
Net income from total operations	17 M	16 M	16 M	13 M	22 M	20 M	19 M	31 M	27 M	24 M
NetIncomeCommonStockholders	17 M	16 M	16 M	13 M	43 M	20 M	30 M	41 M	27 M	24 M
NetIncomeContinuousOperations	17 M	16 M	16 M	13 M	22 M	20 M	19 M	31 M	27 M	24 M
NetInterestIncome	40 M	39 M	39 M	41 M	45 M	54 M	68 M	78 M	83 M	80 M
NetOccupancyExpense	3 M	3 M	2 M	2 M	2 M	3 M	4 M	5 M	6 M	5 M
NonInterestExpense	-34 M	-36 M	-35 M	-37 M	-39 M	-50 M	65 M	62 M	68 M	74 M
NonInterestIncome	17 M	18 M	17 M	16 M	21 M	19 M	25 M	26 M	24 M	24 M
Normalized income								30 M		24 M
OccupancyAndEquipment	4 M	4 M	4 M	4 M	4 M	4 M	4 M	5 M	6 M	5 M
Other special charges	-336000.0	-270000.0	-120000.0	-61000.0	-366000.0	-57000.0	-11 M	-66000.0	-68000.0	-92000.0
OtherCustomerServices	7 M	7 M	7 M	140000.0	119000.0	189000.0	246000.0
OtherGandA	5 M	5 M	6 M	5 M	5 M	7 M
OtherInterestExpense	-5 M	-5 M	-4 M	-4 M	-5 M	347000.0	-706000.0	-2 M	-2 M	-1 M
OtherNonInterestExpense	3 M	3 M	3 M	6 M	6 M	7 M	9 M	11 M	11 M	16 M
OtherNonInterestIncome	2 M	2 M	2 M	14 M	37 M	17 M	17 M	21 M	21 M	25 M
ProfessionalExpenseAndContractServicesExpense	699000.0	638000.0	1 M	2 M	2 M	2 M	2 M	2 M	2 M	2 M
Revenue per share	1 M	-22000.0	-13000.0	-5000.0	-3000.0	-223000.0	540000.0	535000.0	439000.0	408000.0
SalariesAndWages	20 M	19 M	20 M	21 M	22 M	26 M	33 M	38 M	42 M	44 M
SecuritiesActivities	1 M	3 M	1 M	257000.0	-288000.0	23000.0	169000.0	24000.0	20000.0	-3 M
Selling Gen & administrative expense	25 M	24 M	26 M	26 M	28 M	33 M	33 M	38 M	42 M	44 M
ServiceChargeOnDepositorAccounts	5 M	5 M	5 M	4 M
Special income/charges	-3 M	-3 M	-3 M	-6 M	-6 M	-11 M	-17 M	-11 M	-11 M	-16 M
Total common shares outstanding	12 M	12 M	12 M	12 M	12 M	14 M	16 M	16 M	16 M	15 M
Total net income	17 M	16 M	16 M	13 M	22 M	20 M	19 M	31 M	27 M	24 M
Total ordinary shares	15 M	15 M	15 M	15 M	15 M	15 M	15 M	15 M	15 M	15 M
Total revenues	57 M	57 M	56 M	58 M	66 M	73 M	92 M	104 M	108 M	105 M
TotalRevenue	57 M	57 M	56 M	58 M	66 M	73 M	92 M	104 M	108 M	105 M
TradingGainLoss					-2 M
TrustFeesbyCommissions	901000.0	839000.0	756000.0	797000.0	1 M	1 M	1 M	2 M	2 M	2 M

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Citizens & Northern Corp

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

🎉 Exciting news! 🎉

You are invited to join our Discord Channel.

Interact, learn, and grow with experts in the markets!