Citizens & Northern Corporation
Citizens & Northern Corporation
Your view on CZNC
Overview
What the company does, where it operates, and who runs it.
About Citizens & Northern Corporation
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- J. Bradley Scovill
- Headquarters
- 90-92 Main Street, Wellsboro, PA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- J. Bradley Scovill
- Headquarters
- 90-92 Main Street, Wellsboro, PA, US
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.
The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and 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 offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents.
In addition, the company reinsures credit and mortgage, life and accident, and health insurance products.
As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York.
The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Citizens & Northern Corporation, and the rating behind it. CZNC last traded at $25.97, 17.6× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Citizens & Northern Corporation. Starting points for Citizens & Northern Corporation: P/E 17.6, EPS $1.43, beta 0.39 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Citizens & Northern Corporation. Citizens & Northern Corporation paid $1.12 per share over the last year — a 4.3% yield at the current $25.97 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Citizens & Northern Corporation. Trailing twelve-month EPS for Citizens & Northern Corporation stands at $1.43. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Citizens & Northern Corporation. Citizens & Northern Corporation has reported as a listed company since 1994. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Citizens & Northern Corporation valued side by side against its closest peers. Citizens & Northern Corporation is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Citizens & Northern Corporation, and how their positions are changing. At a $465.3M market value, institutional positions materially move Citizens & Northern Corporation's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Citizens & Northern Corporation executives and directors. Shares of Citizens & Northern Corporation have traded between $17.85 and $22.68 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Citizens & Northern Corporation. Citizens & Northern Corporation is a $465.3M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Citizens & Northern Corporation. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Citizens & Northern Corporation. Coverage tracks Citizens & Northern Corporation within Banks - Regional (Financial Services). Press releases and market coverage, newest first.