CZNC Stock Forecast, Price Targets, Chart, Dividends & Analysis
Citizens & Northern Corp
CZNC 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
20.08
USD
0.24
(1.21%)
Previous close: 19.84 Open: 20.14 Bid: 19.35 Ask: 20.84
52 week range
16.50 23.50
Mkt Cap: 309 M Avg Vol (90 Days): 22,440
Last updated: Friday 22nd November 2024
Metrics
Valuation
Price per Sales TTM ($) | 2.96 |
Price per Book TTM ($) | 1.12 |
PE Ratio (TTM) | 14.01 |
Book Value per Share ($) | 17.99 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -1.57% | |
1 Month Return | 5.65% | |
3 Month Return | 1.50% | |
1 Year Return | 9.52% | |
3 Year Return | -11.66% | |
5 Year Return | -3.20% | |
YTD Return | -10.48% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 53.93 |
14 Day SMA ($) | 20.13 |
14 Day EMA ($) | 20.02 |
Money Flow Index | 71.77 |
Average True Range | 0.51 |
50 Day SMA ($) | 19.56 |
200 Day SMA ($) | 18.61 |
ADX | 23.85 |
MACD | -0.45 |
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% |
Financials
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 | 19 M | 30 M | 26 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 | 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 | 103 M |
| TotalRevenue | 57 M | 57 M | 56 M | 58 M | 66 M | 73 M | 92 M | 104 M | 108 M | 103 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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