Citizens Net Debt from 2010 to 2024

CZNC Stock  USD 20.41  0.15  0.73%   
Citizens Northern's Net Debt is increasing over the years with stable fluctuation. Net Debt is expected to dwindle to about 91.9 M. Net Debt is the total debt of Citizens Northern Corp minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. View All Fundamentals
 
Net Debt  
First Reported
1995-03-31
Previous Quarter
141.7 M
Current Value
200.7 M
Quarterly Volatility
97.7 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Check Citizens Northern financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Northern's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.9 M, Interest Expense of 34.8 M or Selling General Administrative of 9.6 M, as well as many indicators such as Price To Sales Ratio of 3.1, Dividend Yield of 0.0312 or PTB Ratio of 1.64. Citizens financial statements analysis is a perfect complement when working with Citizens Northern Valuation or Volatility modules.
  
Check out the analysis of Citizens Northern Correlation against competitors.

Latest Citizens Northern's Net Debt Growth Pattern

Below is the plot of the Net Debt of Citizens Northern Corp over the last few years. It is the total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds. Citizens Northern's Net Debt historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Northern's overall financial position and show how it may be relating to other accounts over time.
Net Debt10 Years Trend
Pretty Stable
   Net Debt   
       Timeline  

Citizens Net Debt Regression Statistics

Arithmetic Mean59,489,536
Geometric Mean44,689,611
Coefficient Of Variation103.78
Mean Deviation47,295,443
Median48,719,000
Standard Deviation61,736,667
Sample Variance3811.4T
Range231.1M
R-Value0.28
Mean Square Error3788.1T
R-Squared0.08
Significance0.32
Slope3,833,462
Total Sum of Squares53359.8T

Citizens Net Debt History

202491.9 M
2023152.5 M
2022203.7 M
2021-27.4 M
2020-12.6 M
2019107.7 M
20185.4 M

Other Fundumenentals of Citizens Northern Corp

Citizens Northern Net Debt component correlations

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0.9-0.080.910.710.880.220.63-0.140.220.270.62-0.220.780.670.00.84-0.660.770.31-0.35-0.550.670.640.22
0.26-0.080.170.390.3-0.34-0.30.060.710.58-0.01-0.480.270.320.15-0.080.020.33-0.350.56-0.270.380.520.65
0.890.910.170.70.870.30.49-0.270.420.40.63-0.530.740.66-0.190.72-0.740.760.09-0.31-0.640.610.670.38
0.930.710.390.70.94-0.250.17-0.050.350.560.28-0.30.830.890.270.75-0.330.970.05-0.07-0.670.850.910.48
1.00.880.30.870.94-0.010.39-0.070.350.570.51-0.380.880.830.170.79-0.470.950.06-0.15-0.650.80.850.48
0.010.22-0.340.3-0.25-0.010.310.2-0.180.190.68-0.360.16-0.25-0.15-0.2-0.2-0.28-0.16-0.290.13-0.44-0.38-0.1
0.420.63-0.30.490.170.390.31-0.05-0.08-0.020.450.090.190.04-0.050.31-0.390.20.45-0.280.040.140.030.36
-0.08-0.140.06-0.27-0.05-0.070.2-0.05-0.250.320.180.120.12-0.160.9-0.310.53-0.19-0.070.230.26-0.17-0.17-0.06
0.340.220.710.420.350.35-0.18-0.08-0.250.17-0.01-0.540.290.45-0.190.26-0.60.38-0.040.2-0.60.540.60.41
0.540.270.580.40.560.570.19-0.020.320.170.63-0.560.690.460.360.060.20.43-0.580.28-0.180.320.450.6
0.530.62-0.010.630.280.510.680.450.18-0.010.63-0.420.670.260.020.21-0.190.26-0.26-0.05-0.060.150.180.21
-0.36-0.22-0.48-0.53-0.3-0.38-0.360.090.12-0.54-0.56-0.42-0.38-0.40.18-0.110.38-0.30.580.160.47-0.24-0.37-0.46
0.880.780.270.740.830.880.160.190.120.290.690.67-0.380.810.250.66-0.330.79-0.07-0.02-0.580.720.770.29
0.820.670.320.660.890.83-0.250.04-0.160.450.460.26-0.40.810.140.84-0.450.9-0.03-0.18-0.840.930.940.34
0.150.00.15-0.190.270.17-0.15-0.050.9-0.190.360.020.180.250.14-0.020.510.150.010.190.050.160.140.07
0.80.84-0.080.720.750.79-0.20.31-0.310.260.060.21-0.110.660.84-0.02-0.630.860.33-0.41-0.760.860.80.04
-0.49-0.660.02-0.74-0.33-0.47-0.2-0.390.53-0.60.2-0.190.38-0.33-0.450.51-0.63-0.44-0.390.410.68-0.46-0.45-0.11
0.940.770.330.760.970.95-0.280.2-0.190.380.430.26-0.30.790.90.150.86-0.440.08-0.16-0.730.90.930.39
0.090.31-0.350.090.050.06-0.160.45-0.07-0.04-0.58-0.260.58-0.07-0.030.010.33-0.390.08-0.19-0.080.120.02-0.19
-0.17-0.350.56-0.31-0.07-0.15-0.29-0.280.230.20.28-0.050.16-0.02-0.180.19-0.410.41-0.16-0.190.22-0.040.020.21
-0.64-0.55-0.27-0.64-0.67-0.650.130.040.26-0.6-0.18-0.060.47-0.58-0.840.05-0.760.68-0.73-0.080.22-0.78-0.81-0.19
0.80.670.380.610.850.8-0.440.14-0.170.540.320.15-0.240.720.930.160.86-0.460.90.12-0.04-0.780.970.34
0.840.640.520.670.910.85-0.380.03-0.170.60.450.18-0.370.770.940.140.8-0.450.930.020.02-0.810.970.4
0.450.220.650.380.480.48-0.10.36-0.060.410.60.21-0.460.290.340.070.04-0.110.39-0.190.21-0.190.340.4
Click cells to compare fundamentals

About Citizens Northern Financial Statements

Citizens Northern stakeholders use historical fundamental indicators, such as Citizens Northern's Net Debt, to determine how well the company is positioned to perform in the future. Although Citizens Northern investors may analyze each financial statement separately, they are all interrelated. For example, changes in Citizens Northern's assets and liabilities are reflected in the revenues and expenses on Citizens Northern's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Citizens Northern Corp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Net Debt152.5 M91.9 M
Net Debt To EBITDA 6.74  7.08 

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When determining whether Citizens Northern Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Northern's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Northern Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Northern Corp Stock:
Check out the analysis of Citizens Northern Correlation against competitors.
You can also try the Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Northern. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Northern listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.17)
Dividend Share
1.12
Earnings Share
1.44
Revenue Per Share
6.689
Quarterly Revenue Growth
(0.05)
The market value of Citizens Northern Corp is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Northern's value that differs from its market value or its book value, called intrinsic value, which is Citizens Northern's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Northern's market value can be influenced by many factors that don't directly affect Citizens Northern's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Northern's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Northern is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Northern's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.