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NASDAQ: CZNC
Citizens & Northern Corp Stock

$19.68-0.02 (-0.1%)
Updated Jun 5, 2023
CZNC Price
$19.68
Fair Value Price
$23.20
Market Cap
$302.31M
52 Week Low
$16.71
52 Week High
$25.77
P/E
11.78x
P/B
1.18x
P/S
3.27x
PEG
2.25x
Dividend Yield
5.69%
Revenue
$101.79M
Earnings
$25.98M
Gross Margin
100%
Operating Margin
31.08%
Profit Margin
25.5%
Debt to Equity
8.51
Operating Cash Flow
$39M
Beta
1.01
Next Earnings
Aug 3, 2023
Ex-Dividend
N/A
Next Dividend
N/A

CZNC Overview

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

Zen Score

Industry Average (39)
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Due Diligence Checks

CZNC ($19.68) is undervalued by 15.17% relative to our estimate of its Fair Value price of $23.20 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CZNC ($19.68) is not significantly undervalued (15.17%) relative to our estimate of its Fair Value price of $23.20 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CZNC ($19.68) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CZNC News

Valuation

CZNC fair value

Fair Value of CZNC stock based on Discounted Cash Flow (DCF)
Price
$19.68
Fair Value
$23.20
Undervalued by
15.17%
CZNC ($19.68) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CZNC ($19.68) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CZNC ($19.68) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CZNC price to earnings (PE)

For valuing profitable companies with steady earnings
Company
11.78x
Industry
19.56x
Market
53.21x
CZNC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZNC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CZNC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.18x
Industry
0.89x
CZNC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CZNC price to earnings growth (PEG)

For valuing profitable companies with growth potential
CZNC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

CZNC's financial health

Profit margin

Revenue
$26.7M
Net Income
$6.3M
Profit Margin
23.4%
CZNC's Earnings (EBIT) of $31.63M... subscribe to Premium to read more.
Interest Coverage Financials
CZNC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.4B
Liabilities
$2.2B
Debt to equity
8.51
CZNC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CZNC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$9.5M
Investing
$26.5M
Financing
-$37.6M
CZNC's operating cash flow ($38.50M)... subscribe to Premium to read more.
Debt Coverage Financials

CZNC vs Bank Stocks

TickerMarket Cap1d %P/EP/B
CZNC$302.31M-0.10%11.78x1.18x
FMAO$302.45M-1.90%9.65x0.99x
MCBC$302.46M-4.75%7.47x1.16x
AMNB$300.91M-4.16%8.71x0.91x
JMSB$299.60M-5.02%9.82x1.36x

Citizens & Northern Stock FAQ

What is Citizens & Northern's quote symbol?

(NASDAQ: CZNC) Citizens & Northern trades on the NASDAQ under the ticker symbol CZNC. Citizens & Northern stock quotes can also be displayed as NASDAQ: CZNC.

If you're new to stock investing, here's how to buy Citizens & Northern stock.

What is the 52 week high and low for Citizens & Northern (NASDAQ: CZNC)?

(NASDAQ: CZNC) Citizens & Northern's 52-week high was $25.77, and its 52-week low was $16.71. It is currently -23.63% from its 52-week high and 17.77% from its 52-week low.

How much is Citizens & Northern stock worth today?

(NASDAQ: CZNC) Citizens & Northern currently has 15,361,113 outstanding shares. With Citizens & Northern stock trading at $19.68 per share, the total value of Citizens & Northern stock (market capitalization) is $302.31M.

Citizens & Northern stock was originally listed at a price of $22.67 in Dec 31, 1997. If you had invested in Citizens & Northern stock at $22.67, your return over the last 25 years would have been -13.18%, for an annualized return of -0.56% (not including any dividends or dividend reinvestments).

How much is Citizens & Northern's stock price per share?

(NASDAQ: CZNC) Citizens & Northern stock price per share is $19.68 today (as of Jun 5, 2023).

What is Citizens & Northern's Market Cap?

(NASDAQ: CZNC) Citizens & Northern's market cap is $302.31M, as of Jun 6, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens & Northern's market cap is calculated by multiplying CZNC's current stock price of $19.68 by CZNC's total outstanding shares of 15,361,113.
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