Citizens & Northern Corporation
General ticker "CZNC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $350.2M (TTM average)
Citizens & Northern Corporation follows the US Stock Market performance with the rate: 35.7%.
Estimated limits based on current volatility of 1.0%: low 25.17$, high 25.69$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-03, amount 0.28$ (Y4.34%)
- 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, Real estate market risks, Interest rate risk, Regulatory and compliance
- Current price 18.6% above estimated high
- Earnings for 6 months up through Q2 are close to 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.70$, 21.77$]
- 2026-12-31 to 2027-12-31 estimated range: [16.75$, 21.92$]
Financial Metrics affecting the CZNC estimates:
- Positive: with PPE of 11.2 at the end of fiscal year the price was neutral
- Positive: 7.80 < Operating profit margin, % of 14.18
- Positive: 6.77 < Operating cash flow per share per price, % of 9.78
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.74
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
- Negative: Shareholder equity ratio, % of 10.91 <= 18.97
Short-term CZNC quotes
Long-term CZNC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $104.82MM | $108.32MM | $122.70MM |
| Operating Expenses | $74.33MM | $76.45MM | $105.30MM |
| Operating Income | $30.48MM | $31.87MM | $17.40MM |
| Non-Operating Income | $0.00MM | $0.00MM | $11.24MM |
| Interest Expense | $33.10MM | $48.96MM | $47.36MM |
| Income(Loss) | $30.48MM | $31.87MM | $28.64MM |
| Taxes | $6.33MM | $5.91MM | $5.22MM |
| Net Income(Loss)* | $24.15MM | $25.96MM | $23.43MM |
| Stockholders Equity | $262.38MM | $275.28MM | $341.71MM |
| Assets | $2,515.58MM | $2,610.65MM | $3,132.47MM |
| Operating Cash Flow | $33.55MM | $33.03MM | $32.00MM |
| Capital expenditure | $2.27MM | $1.91MM | $1.91MM |
| Investing Cash Flow | $-53.20MM | $-20.94MM | $0.20MM |
| Financing Cash Flow | $24.73MM | $58.70MM | $-111.07MM |
| Earnings Per Share** | $1.58 | $1.70 | $1.47 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.