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Citizens & Northern Corporation
CZNC | US
22.28
USD-0.02
-0.09%
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
09/03/2026
Close
22.28
Open
22.10
High
22.33
Low
21.51
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
23.9
Sharpe
0.42
Luna's Score
52/100
Recommendation
Hold
Luna says (CZNC | US)
What's Working
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%)
What's not Working
Negative Momentum (Declining Price)
Price Below SMA10D
High Short-term Volatility
Smallcap (300M - 2B USD)
High Debt to Equity (> 0.75)
Declining Revenue (< 0%)
Volatility Signals
Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.
Risk Meter
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10 days
28.2%1 month
23.9%3 months
26.3%6 months
22.7%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
342.94M
MarketCap(USD)
342.94M
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: Bearish (SMA10D < SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
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Range10D
2.32
Range1M
2.60
Range3M
4.34
Volumes: Market Activity
Volume Averages
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Rel. volume
0.98
Price X volume
1.10M
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) | 26.25 | 32.77 | Par |
| Debt to Equity | 0.92 | 0.66 | Expensive |
| Debt to Assets | 0.09 | 0.08 | Par |
| Market Cap | 342.94M | 2.81B | Emerging |
