Citizens & Northern Corporation
General ticker "CZNC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $300.4M (TTM average)
Citizens & Northern Corporation follows the US Stock Market performance with the rate: 45.3%.
Estimated limits based on current volatility of 1.4%: low 22.31$, high 22.94$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-02-02, amount 0.28$ (Y5.02%)
- Total employees count: 386 (-4.5%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Acquisition/divestiture risks, Liquidity and credit risks, Interest rate fluctuations, Regulatory and compliance, Cybersecurity threats
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [17.18$, 22.25$]
- 2025-12-31 to 2026-12-31 estimated range: [17.29$, 22.49$]
Financial Metrics affecting the CZNC estimates:
- Positive: with PPE of 11.1 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 20.50 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 11.59
- Negative: Shareholder equity ratio, % of 10.54 <= 19.40
- Positive: -14.22 < Investing cash flow per share per price, % of -7.34
- Negative: Interest expense per share per price, % of 17.18 > 3.28
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 0.98
- Positive: Industry earnings per price (median), % of 6.49 > 4.49
Short-term CZNC quotes
Long-term CZNC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $115.48MM | $136.24MM | $155.47MM |
| Operating Expenses | $83.13MM | $105.76MM | $123.60MM |
| Operating Income | $32.35MM | $30.48MM | $31.87MM |
| Interest Expense | $9.52MM | $33.10MM | $48.96MM |
| Income(Loss) | $32.35MM | $30.48MM | $31.87MM |
| Taxes | $5.73MM | $6.33MM | $5.91MM |
| Profit(Loss)* | $26.62MM | $24.15MM | $25.96MM |
| Stockholders Equity | $249.32MM | $262.38MM | $275.28MM |
| Assets | $2,454.31MM | $2,515.58MM | $2,610.65MM |
| Operating Cash Flow | $34.60MM | $33.55MM | $33.03MM |
| Capital expenditure | $3.29MM | $2.27MM | $1.91MM |
| Investing Cash Flow | $-234.69MM | $-53.20MM | $-20.94MM |
| Financing Cash Flow | $151.94MM | $24.73MM | $58.70MM |
| Earnings Per Share** | $1.72 | $1.58 | $1.70 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.