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Citizens & Northern Corporation
CZNC | US
23.59
USD-0.05
-0.21%
CZNC | US
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About Citizens & Northern Corporation
Sector
Financial Services
Industry
Banks - Regional - US
Earnings date
30/06/2024
As of date
14/04/2026
Close
23.59
Open
23.74
High
23.74
Low
23.29
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and lending services to individual and corporate customers. The company's lending portfolio includes commercial mortgage and consumer loans as well as specialized instruments such as commercial letters-of-credit; and offers deposit products which includes various types of checking accounts passbook and statement savings money market accounts interest checking accounts individual retirement accounts and certificates of deposit. It provides wealth management services such as retirement planning estate planning estate settlements and asset management services; and insurance products through broker-dealer which includes mutual funds annuities educational savings accounts and other investment products through registered agents as well as offers reinsures credit and mortgage life and accident and health insurance products. The company was founded in 1864 and is headquartered in Wellsboro Pennsylvania.
View LessCZNC | US
Risk
17.2
Sharpe
1.31
Luna's Score
69/100
Recommendation
Buy
Luna says (CZNC | US)
What's Working
Positive Momentum
Low 6-Month Volatility (<30%)
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
Strong Sharpe Ratio (> 1.2)
What's not Working
Smallcap (300M - 2B USD)
High Debt to Equity (> 0.75)
Declining Revenue (< 0%)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
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10 days
16.5%1 month
17.2%3 months
24.8%6 months
22.8%Returns
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Fundamental Ratios
PE
13.42
Fwd. PE
10.74
Price to book
1.07
Debt to equity
0.92
Debt to assets
0.09
Ent. to EBITDA
-
Ent. to rev.
5.04
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
363.11M
MarketCap(USD)
363.11M
Div. yield
5.79
Op. margin
29.96
Erngs. growth
-17.50
Rev. growth
-4.70
Ret. on equity
8.52
Short ratio
3.05
Short perc.
0.43
Market Sentiment (SMA and Price signals)
Short-term: Bullish (SMA10D > SMA1M)
Intermediate-term: Bearish (SMA1M < SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
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Range10D
1.96
Range1M
2.75
Range3M
3.79
Volumes: Market Activity
Volume Averages
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Rel. volume
0.79
Price X volume
786.47K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | -25.13 | - |
| Ent. to Revenue | 5.04 | 73.69 | Cheaper |
| PE Ratio | 13.42 | 18.44 | Cheaper |
| Price to Book | 1.07 | 3,795.44 | Cheaper |
| Dividend Yield | 5.79 | 3.11 | Leader |
| Std. Deviation (3M) | 24.85 | 32.77 | Lower Risk |
| Debt to Equity | 0.92 | 0.66 | Expensive |
| Debt to Assets | 0.09 | 0.08 | Par |
| Market Cap | 363.11M | 2.81B | Emerging |
