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Citizens & Northern Corporation (CZNC)

Stock Price: $17.66 USD 0.06 (0.34%)
Updated Oct 21, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 280.28M
Revenue (ttm) 74.79M
Net Income (ttm) 20.37M
Shares Out 15.87M
EPS (ttm) 1.48
PE Ratio 11.93
Forward PE n/a
Dividend $1.08
Dividend Yield 6.12%

Stock Quote

Trading Day Oct 21, 2020
Last Price $17.66
Previous Close $17.60
Change ($) 0.06
Change (%) 0.34%
Day's Open 17.64
Day's Range 17.28 - 17.72
Day's Volume 11,402
52-Week Range 14.92 - 29.06

More Stats

Market Cap 280.28M
Enterprise Value 296.45M
Earnings Date (est) Jan 21, 2021
Ex-Dividend Date Jul 24, 2020
Shares Outstanding 15.87M
Float 15.28M
EPS (basic) 1.48
EPS (diluted) 1.48
FCF / Share 1.20
Dividend $1.08
Dividend Yield 6.12%
Earnings Yield 8.38%
FCF Yield 5.92%
Payout Ratio 73.00%
Shares Short 173,988
Short Ratio 5.13
Short % of Float 1.14%
Beta 0.32
PE Ratio 11.93
Forward PE n/a
P/FCF Ratio 16.88
PS Ratio 3.75
PB Ratio 1.09
Revenue 74.79M
Operating Income 24.67M
Net Income 20.37M
Free Cash Flow 16.60M
Net Cash -16.17M
Net Cash / Share -1.02
Gross Margin 97.54%
Operating Margin 32.99%
Profit Margin 27.20%
FCF Margin 22.20%
ROA 1.21%
ROE 8.22%
ROIC 1.50%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (1)

Buy 1
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$20.00*
Low
20.0
Current: $17.66
High
20.0
Target: 20.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue72.9565.7557.5655.8557.4156.9459.2766.3864.1056.35
Revenue Growth10.95%14.23%3.05%-2.71%0.84%-3.94%-10.71%3.56%13.76%-
Gross Profit72.9565.7557.5655.8557.4156.9459.2766.3864.1056.35
Operating Income23.4126.2620.5921.1124.3822.7825.8033.4632.0824.86
Net Income19.5022.0113.4315.7616.4717.0918.5922.7123.3719.06
Shares Outstanding13.7012.3012.2012.0912.1812.2912.3712.2612.1412.14
Earnings Per Share1.461.791.101.301.351.381.501.851.921.45
EPS Growth-18.44%62.73%-15.38%-3.7%-2.17%-8%-18.92%-3.65%32.41%-
Dividend Per Share1.180.811.041.041.041.041.000.840.580.39
Dividend Growth45.68%-22.12%0%0%0%4%19.05%44.83%48.72%-
Operating Cash Flow22.4625.8919.3718.5119.6922.2830.5727.6537.4635.05
Capital Expenditures-2.87-1.17-1.70-1.58-1.04-0.76-0.76-1.172.06-0.60
Free Cash Flow19.5924.7317.6816.9318.6521.5229.8126.4939.5334.44
Cash & Equivalents35.2037.4940.2432.1136.0636.0544.6259.8460.5846.30
Total Debt14548.7770.9664.6392.2678.6096.7289.38130167
Net Cash / Debt-110-11.28-30.71-32.52-56.20-42.55-52.10-29.54-69.74-121
Assets1,6541,2911,2771,2421,2231,2421,2381,2871,3241,317
Liabilities1,4101,0941,0891,0561,0361,0541,0581,1041,1561,178
Book Value244197188186187188179183167139
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Citizens & Northern Corporation
Country United States
Employees 337
CEO J. Bradley Scovill

Stock Information

Ticker Symbol CZNC
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: CZNC

Description

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 in North Central Pennsylvania and Southern New York. The company offers 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 provides lending products comprising mortgage loans, commercial loans, and consumer loans, as well as commercial letters-of-credit. In addition, the company offers trust and financial management services consisting of administration of trusts and estates, retirement plans, and other employee benefit plans; investment management services; and a range of personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. Further, it reinsures credit and mortgage, life and accident, and health insurance products. The company operates 30 banking offices in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan, Tioga, and Bucks counties in Pennsylvania, as well as Steuben and Chemung County in New York; and a loan production office in Elmira, New York. Citizens & Northern Corporation was founded in 1864 and is based in Wellsboro, Pennsylvania.