NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis → Buy Friday, Sell Monday, No Exceptions (From DTI) (Ad) Free CZNC Stock Alerts $18.65 -0.12 (-0.64%) (As of 10:17 AM ET) Add Compare Share Share Today's Range$18.35▼$18.8950-Day Range$17.40▼$21.9052-Week Range$16.71▼$23.50Volume1,992 shsAverage Volume25,609 shsMarket Capitalization$286.84 millionP/E Ratio11.88Dividend Yield6.01%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/Downside12.6% Upside$21.00 Price TargetShort InterestBearish0.69% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews SentimentN/AInsider TradingAcquiring Shares$8,941 Bought Last QuarterProj. Earnings Growth9.82%From $1.63 to $1.79 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.2.96 out of 5 starsFinance Sector488th out of 858 stocksState Commercial Banks Industry110th out of 181 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.Price Target Upside/DownsideAccording to analysts' consensus price target of $21.00, Citizens & Northern has a forecasted upside of 12.6% from its current price of $18.65.Amount of Analyst CoverageCitizens & Northern has received no research coverage in the past 90 days. Previous Next 2.0 Short Interest Percentage of Shares Shorted0.69% 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 4.Change versus previous monthShort interest in Citizens & Northern has recently increased by 1.40%, indicating that investor sentiment is decreasing. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 6.19%, 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 62.57% 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 2.5 News and Social Media Coverage News SentimentCitizens & Northern has a news sentiment score of 0.57. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for Citizens & Northern this week, compared to 0 articles on an average week.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 $8,941.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 3.74% 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 9.82% in the coming year, from $1.63 to $1.79 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 11.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 137.85.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 11.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 58.09.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.09. 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 Crypto 101 MediaMajor Elon Musk Crypto Leak RevealedReports of a leaked meeting between Elon Musk and staff at X.com could send shockwaves through the crypto market. Musk revealed a "mind-blowing" plan to take over the global payment system. In his own words, the world's richest man said "you won't need a bank account." Prominent voices in crypto believe what comes next will mirror a crypto mass adoption similar to the one that triggered bitcoin's last bull run.Click here now to get your copy. 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 HeadlinesMarch 20, 2024 | americanbankingnews.comCitizens & Northern Co. (NASDAQ:CZNC) Sees Large Growth in Short InterestMarch 17, 2024 | finance.yahoo.comCitizens & Northern Full Year 2023 Earnings: Revenues Beat Expectations, EPS LagsMarch 28, 2024 | WealthPress (Ad)$25,000 into $109,616 in two months? 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You see, former multi-million dollar hedge fund manager Roger Scott spent the better half of 2023 developing what might be the most advanced trading tool that exists… It’s a revolutionary software system that tracks the moves of institutional investors…. in real time…March 15, 2024 | investorplace.comCZNC Stock Earnings: Citizens & Northern Misses EPS, Misses Revenue for Q4 2023March 6, 2024 | finance.yahoo.comCitizens & Northern Corporation (CZNC)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 ResultsMarch 28, 2024 | Crypto 101 Media (Ad)Altcoin FRENZY Alert…Bitcoin recently crossed the highest price in its 15-year history… Less than 2 years after one of the most vicious crypto market meltdowns we've ever seen! Bitcoin's BOOM also sent shockwaves through the altcoin market, with select coins seeing HUGE moves in a matter of days… Like Fetch.ai, that gained over 350% in just the last 30 days… January 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 DeclineJuly 3, 2023 | bizjournals.comCitizens Financial sees 'huge opportunity' in Philadelphia market after acquiring HV BancorpApril 25, 2023 | finance.yahoo.comCitizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28April 25, 2023 | msn.comPiper Sandler Maintains Citizens & Northern (CZNC) Neutral RecommendationSee 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 Earnings3/11/2024Today3/28/2024Next Earnings (Estimated)5/03/2024Fiscal 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+12.6%Consensus RatingHold Rating Score (0-4)2.00 Research Coverage1 Analysts Profitability EPS (Most Recent Fiscal Year)$1.57 Trailing P/E Ratio11.88 Forward P/E Ratio11.44 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 / Sales2.08 Cash Flow$1.89 per share Price / Cash Flow9.85 Book Value$17.18 per share Price / Book1.09Miscellaneous Outstanding Shares15,380,000Free Float14,803,000Market Cap$286.84 million OptionableOptionable Beta0.43 Social Links 13 Stocks Institutional Investors Won't Stop BuyingWhich stocks are major institutional investors including hedge funds and endowments buying in today's market? Click the link below and we'll send you MarketBeat's list of thirteen stocks that institutional investors are buying up as quickly as they can.Get This Free Report Key ExecutivesMr. J. Bradley Scovill (Age 65)President, CEO & Director Comp: $863.69kMr. Stan R. Dunsmore (Age 62)EVP and Chief Credit Officer of Citizens & Northern Bank Comp: $342.75kMr. Blair T. Rush (Age 62)EVP and Southeast Region President of Citizens & Northern Bank Comp: $360.52kMr. Mark A. Hughes (Age 62)Treasurer Comp: $427.3kMr. 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 Skye L. MahoskyCorporate SecretaryMore ExecutivesKey CompetitorsWest BancorporationNASDAQ:WTBASierra BancorpNASDAQ:BSRRSouthern National Bancorp of VirginiaNASDAQ:SONABank of Marin BancorpNASDAQ:BMRCEnterprise BancorpNASDAQ:EBTCView All CompetitorsInsiders & InstitutionsVanguard Group Inc.Bought 23,954 shares on 3/11/2024Ownership: 4.773%Frank G PellegrinoBought 94 shares on 3/8/2024Total: $1,689.18 ($17.97/share)GSA Capital Partners LLPBought 11,787 shares on 2/16/2024Ownership: 0.143%Vanguard Group Inc.Bought 23,954 shares on 2/15/2024Ownership: 4.771%Nuveen Asset Management LLCBought 9,743 shares on 2/15/2024Ownership: 0.232%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 analysts have issued "buy," "hold," and "sell" ratings for Citizens & Northern in the last year. There are currently 1 hold rating for the stock. The consensus among Wall Street 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 Wall Street research analysts have issued 1 year price objectives for Citizens & Northern's shares. Their CZNC share price targets range from $21.00 to $21.00. On average, they predict the company's share price to reach $21.00 in the next year. This suggests a possible upside of 12.6% 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 at the start of the year. Since then, CZNC stock has decreased by 16.9% and is now trading at $18.65. View the best growth stocks for 2024 here. When is Citizens & Northern's next earnings date? The company is scheduled to release its next quarterly earnings announcement on Friday, May 3rd 2024. View our CZNC earnings forecast. How were Citizens & Northern's earnings last quarter? Citizens & Northern Co. (NASDAQ:CZNC) announced its 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 had revenue of $25.27 million for the quarter, compared to the consensus estimate of $26.39 million. Citizens & Northern had a trailing twelve-month return on equity of 9.60% and a net margin of 17.51%. How often does Citizens & Northern pay dividends? What is the dividend yield for Citizens & Northern? Citizens & Northern announced a quarterly dividend on Thursday, January 18th. Stockholders of record on Monday, January 29th will be paid a dividend of $0.28 per share on Friday, February 9th. This represents a $1.12 dividend on an annualized basis and a dividend yield of 6.01%. The ex-dividend date of this dividend is Friday, January 26th. 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 6.19%. 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 62.57% 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 institutional and retail investors. Top institutional shareholders include Vanguard Group Inc. (4.77%), Vanguard Group Inc. (4.77%), Dimensional Fund Advisors LP (3.44%), Citizens & Northern Corp (2.02%), Northern Trust Corp (0.90%) and IVC Wealth Advisors LLC (0.86%). 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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