NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis → Perma Bull: This is what terrifies me about AI (From InvestorPlace) (Ad) Free CZNC Stock Alerts $17.86 +0.04 (+0.22%) (As of 03:02 PM ET) Add Compare Share Share Today's Range$17.60▼$18.1450-Day Range$17.02▼$18.7852-Week Range$16.71▼$23.50Volume10,357 shsAverage Volume25,156 shsMarket Capitalization$274.69 millionP/E Ratio11.38Dividend Yield6.27%Price Target$21.00 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSocial Media Get Citizens & Northern alerts: Email Address Citizens & Northern MarketRank™ Stock AnalysisAnalyst RatingHold2.00 Rating ScoreUpside/Downside17.6% Upside$21.00 Price TargetShort InterestHealthy0.52% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment-0.44Based on 3 Articles This WeekInsider TradingAcquiring Shares$10,147 Bought Last QuarterProj. Earnings Growth10.69%From $1.59 to $1.76 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.3.64 out of 5 starsFinance Sector385th out of 876 stocksState Commercial Banks Industry90th out of 176 stocks 2.0 Analyst's Opinion Consensus RatingCitizens & Northern has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.Amount of Analyst CoverageCitizens & Northern has received no research coverage in the past 90 days. Previous Next 5.0 Short Interest Percentage of Shares Shorted0.52% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Citizens & Northern has recently decreased by 7.68%, indicating that investor sentiment is improving significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 6.29%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens & Northern does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens & Northern is 71.34%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 63.64% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZNC. Previous Next 2.0 News and Social Media Coverage News SentimentCitizens & Northern has a news sentiment score of -0.44. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.53 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Citizens & Northern this week, compared to 0 articles on an average week.Search Interest3 people have searched for CZNC on MarketBeat in the last 30 days. MarketBeat Follows1 people have added Citizens & Northern to their MarketBeat watchlist in the last 30 days. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $10,147.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 3.95% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 30.83% of the stock of Citizens & Northern is held by institutions. Previous Next 2.5 Earnings and Valuation Earnings GrowthEarnings for Citizens & Northern are expected to grow by 10.69% in the coming year, from $1.59 to $1.76 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 11.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 126.10.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 11.38, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 54.45.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here Ad Manward PressShocking: One AI startup's revenue could surge 4,735%Shocking: One AI Startup's Revenue Could Surge 4,735% While Nvidia gets all the attention, one small AI startup is quietly positioning itself to be the biggest winner.Click here to discover the AI chip company About Citizens & Northern Stock (NASDAQ:CZNC)Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.Read More CZNC Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZNC Stock News HeadlinesMay 1, 2024 | finance.yahoo.comCitizens & Northern First Quarter 2024 Earnings: EPS: US$0.35 (vs US$0.40 in 1Q 2023)April 30, 2024 | americanbankingnews.comCitizens & Northern (NASDAQ:CZNC) Rating Lowered to Sell at StockNews.comMay 6, 2024 | Manward Press (Ad)Shocking: One AI startup's revenue could surge 4,735%Shocking: One AI Startup's Revenue Could Surge 4,735% While Nvidia gets all the attention, one small AI startup is quietly positioning itself to be the biggest winner.April 27, 2024 | money.usnews.comCitizens & Northern CorpApril 1, 2024 | msn.comGlobal Citizens Festival returning to Central Park for 12th straight yearMarch 17, 2024 | finance.yahoo.comCitizens & Northern Full Year 2023 Earnings: Revenues Beat Expectations, EPS LagsMarch 15, 2024 | investorplace.comCZNC Stock Earnings: Citizens & Northern Misses EPS, Misses Revenue for Q4 2023March 6, 2024 | finance.yahoo.comCitizens & Northern Corporation (CZNC)May 6, 2024 | Manward Press (Ad)Shocking: One AI startup's revenue could surge 4,735%Shocking: One AI Startup's Revenue Could Surge 4,735% While Nvidia gets all the attention, one small AI startup is quietly positioning itself to be the biggest winner.February 15, 2024 | msn.comUS citizens to be "naturalized" in Cedar Rapids on February 16thJanuary 25, 2024 | finance.yahoo.comCitizens & Northern Corp's Dividend AnalysisJanuary 21, 2024 | finance.yahoo.comAnalysts Are Updating Their Citizens & Northern Corporation (NASDAQ:CZNC) Estimates After Its Full-Year ResultsJanuary 18, 2024 | msn.comHighly-Ranked Finance Stocks to Buy for IncomeDecember 22, 2023 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) shareholders have earned a 11% CAGR over the last three yearsDecember 16, 2023 | msn.comCitizens & Northern (CZNC) Price Target Increased by 5.13% to 20.91December 14, 2023 | finance.yahoo.comStrength Seen in First Commonwealth Financial (FCF): Can Its 5.5% Jump Turn into More Strength?November 10, 2023 | benzinga.comEnsuring Stability for Investors: Citizens & Northern Maintains Commitment Amidst Challenges and Decreased ProfitsNovember 10, 2023 | morningstar.comCitizens & Northern Corp CZNCOctober 30, 2023 | finance.yahoo.comCitizens & Northern (CZNC) to Report Q3 Results: Wall Street Expects Earnings GrowthOctober 25, 2023 | msn.comUnivest (UVSP) Beats Q3 Earnings EstimatesOctober 20, 2023 | markets.businessinsider.comPiper Sandler Reaffirms Their Hold Rating on Citizens & Northern (CZNC)October 1, 2023 | barrons.comCitizens & Northern Corp.September 21, 2023 | msn.comUSCIS introduces 79 new citizens in naturalization ceremonySeptember 20, 2023 | finance.yahoo.comQ2 and Citizens & Northern Bank Win 2023 IDC FinTech Rankings Real Results AwardJuly 21, 2023 | markets.businessinsider.comCitizens & Northern (CZNC) Gets a Hold from Piper SandlerJuly 15, 2023 | finance.yahoo.comThe past five years for Citizens & Northern (NASDAQ:CZNC) investors has not been profitableJuly 13, 2023 | finance.yahoo.comEarnings Preview: Citizens & Northern (CZNC) Q2 Earnings Expected to DeclineSee More Headlines Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address Company Calendar Ex-Dividend for 2/9 Dividend1/26/2024Dividend Payable2/09/2024Last Earnings3/11/2024Ex-Dividend for 5/17 Dividend5/03/2024Today5/06/2024Dividend Payable5/17/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryRegional Banks Current SymbolNASDAQ:CZNC CUSIP17292210 CIK810958 Webwww.cnbankpa.com Phone(570) 724-3411Fax570-724-6395Employees404Year Founded1864Price Target and Rating Average Stock Price Target$21.00 High Stock Price Target$21.00 Low Stock Price Target$21.00 Potential Upside/Downside+17.8%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$1.57 Trailing P/E Ratio11.35 Forward P/E Ratio11.21 P/E GrowthN/ANet Income$24.15 million Net Margins17.51% Pretax Margin22.10% Return on Equity9.60% Return on Assets0.98% Debt Debt-to-Equity Ratio0.68 Current Ratio0.91 Quick Ratio0.91 Sales & Book Value Annual Sales$137.92 million Price / Sales1.99 Cash Flow$1.84 per share Price / Cash Flow9.70 Book Value$17.18 per share Price / Book1.04Miscellaneous Outstanding Shares15,380,000Free Float14,771,000Market Cap$274.07 million OptionableOptionable Beta0.44 Social Links 5G Stocks: The Path Forward is ProfitableClick the link below and we'll send you MarketBeat's guide to investing in 5G and which 5G stocks show the most promise. Get This Free Report Key ExecutivesMr. J. Bradley Scovill (Age 65)President, CEO & Director Comp: $1.09MMr. Stan R. Dunsmore (Age 62)EVP and Chief Credit Officer of Citizens & Northern Bank Comp: $377.52kMr. Blair T. Rush (Age 62)EVP and Southeast Region President of Citizens & Northern Bank Comp: $392.79kMr. Mark A. Hughes (Age 62)Treasurer Comp: $503.29kMr. Thomas L. Rudy Jr. (Age 59)EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank Comp: $238.74kMs. Kelley A. Cwiklinski (Age 60)Executive VP & Chief Commercial Lending Officer Mr. Philip Prough CFPCIMA, Senior VP & Chief Investment StrategistMs. Shelley L. D'Haene (Age 63)Executive VP and Chief Digital Channels & Payments Officer Mr. Glenn Richard James Esq. (Age 69)Corporate Secretary More ExecutivesKey CompetitorsWest BancorporationNASDAQ:WTBASouthern National Bancorp of VirginiaNASDAQ:SONASierra BancorpNASDAQ:BSRRBank of Marin BancorpNASDAQ:BMRCEnterprise BancorpNASDAQ:EBTCView All CompetitorsInsiders & InstitutionsHudock Inc.Sold 713 shares on 5/2/2024Ownership: 0.236%BNP Paribas Financial MarketsBought 3,440 shares on 5/1/2024Ownership: 0.049%IVC Wealth Advisors LLCSold 25,515 shares on 4/19/2024Ownership: 0.693%Katherine W ShattuckBought 467 shares on 4/8/2024Total: $8,457.37 ($18.11/share)Frank G PellegrinoBought 94 shares on 3/8/2024Total: $1,689.18 ($17.97/share)View All Insider TransactionsView All Institutional Transactions CZNC Stock Analysis - Frequently Asked Questions Should I buy or sell Citizens & Northern stock right now? 1 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last twelve months. There are currently 1 hold rating for the stock. The consensus among Wall Street equities research analysts is that investors should "hold" CZNC shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in CZNC, but not buy additional shares or sell existing shares. View CZNC analyst ratings or view top-rated stocks. What is Citizens & Northern's stock price target for 2024? 1 equities research analysts have issued 12-month price objectives for Citizens & Northern's shares. Their CZNC share price targets range from $21.00 to $21.00. On average, they expect the company's stock price to reach $21.00 in the next twelve months. This suggests a possible upside of 17.6% from the stock's current price. View analysts price targets for CZNC or view top-rated stocks among Wall Street analysts. How have CZNC shares performed in 2024? Citizens & Northern's stock was trading at $22.43 on January 1st, 2024. Since then, CZNC stock has decreased by 20.4% and is now trading at $17.86. View the best growth stocks for 2024 here. Are investors shorting Citizens & Northern? Citizens & Northern saw a decline in short interest in the month of April. As of April 15th, there was short interest totaling 75,700 shares, a decline of 7.7% from the March 31st total of 82,000 shares. Based on an average trading volume of 24,500 shares, the short-interest ratio is currently 3.1 days. Currently, 0.5% of the shares of the company are sold short. View Citizens & Northern's Short Interest. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) posted its quarterly earnings results on Monday, March, 11th. The financial services provider reported $0.28 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.36 by $0.08. The financial services provider earned $25.27 million during the quarter, compared to analysts' expectations of $26.39 million. Citizens & Northern had a net margin of 17.51% and a trailing twelve-month return on equity of 9.60%. How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern? Citizens & Northern declared a quarterly dividend on Thursday, April 25th. Shareholders of record on Monday, May 6th will be paid a dividend of $0.28 per share on Friday, May 17th. This represents a $1.12 annualized dividend and a yield of 6.27%. The ex-dividend date is Friday, May 3rd. Read our dividend analysis for CZNC. Is Citizens & Northern a good dividend stock? Citizens & Northern (NASDAQ:CZNC) pays an annual dividend of $1.12 per share and currently has a dividend yield of 6.29%. CZNC has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The dividend payout ratio is 71.34%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZNC will have a dividend payout ratio of 63.64% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for CZNC. What is J. Bradley Scovill's approval rating as Citizens & Northern's CEO? 3 employees have rated Citizens & Northern Chief Executive Officer J. Bradley Scovill on Glassdoor.com. J. Bradley Scovill has an approval rating of 100% among the company's employees. This puts J. Bradley Scovill in the top 10% of approval ratings compared to other CEOs of publicly-traded companies. What other stocks do shareholders of Citizens & Northern own? Based on aggregate information from My MarketBeat watchlists, some companies that other Citizens & Northern investors own include General Mills (GIS), Pfizer (PFE), AbbVie (ABBV), Carnival Co. & (CCL), CenterPoint Energy (CNP), Consolidated Edison (ED), International Business Machines (IBM), Main Street Capital (MAIN), AT&T (T) and Verizon Communications (VZ). Who are Citizens & Northern's major shareholders? Citizens & Northern's stock is owned by many different retail and institutional investors. Top institutional investors include IVC Wealth Advisors LLC (0.69%), Hudock Inc. (0.24%), BNP Paribas Financial Markets (0.05%) and Concourse Financial Group Securities Inc. (0.00%). Insiders that own company stock include Bobbi J Kilmer, Frank G Pellegrino, Frank G Pellegrino, Helen S Santiago, Katherine W Shattuck, Leo F Lambert, Robert G Loughery, Robert G Loughery, Stephen M Dorwart, Susan E Hartley, Terry L Lehman, Timothy E Schoener and Tracy Ellen Watkins. View institutional ownership trends. How do I buy shares of Citizens & Northern? Shares of CZNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here. 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