Citizens Northern Financials
| CZNC Stock | USD 19.24 0.23 1.21% |
Citizens |
Understanding current and past Citizens Northern Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Citizens Northern's financial statements are interrelated, with each one affecting the others. For example, an increase in Citizens Northern's assets may result in an increase in income on the income statement.
Please note, the presentation of Citizens Northern's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citizens Northern's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citizens Northern's management manipulating its earnings.
Citizens Northern Stock Summary
Citizens Northern competes with Penns Woods, Chemung Financial, and Enterprise Bancorp. 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 was founded in 1864 and is based in Wellsboro, Pennsylvania. Citizens Nrthn operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 412 people.Specialization | Financial Services, Banks - Regional |
| Instrument | USA Stock View All |
| Exchange | NASDAQ Exchange |
| ISIN | US1729221069 |
| CUSIP | 172922106 |
| Location | Pennsylvania; U.S.A |
| Business Address | 90-92 Main Street, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.cnbankpa.com |
| Phone | 570 724 3411 |
| Currency | USD - US Dollar |
Citizens Northern Key Financial Ratios
| Return On Equity | 0.0852 | ||||
| Return On Asset | 0.0086 | ||||
| Target Price | 21.0 | ||||
| Number Of Employees | 404 | ||||
| Beta | 0.45 |
Citizens Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Citizens Northern's current stock value. Our valuation model uses many indicators to compare Citizens Northern value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citizens Northern competition to find correlations between indicators driving Citizens Northern's intrinsic value. More Info.Citizens Northern Corp is rated fifth in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citizens Northern Corp is roughly 9.91 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Citizens Northern's earnings, one of the primary drivers of an investment's value.Citizens Northern Corp Systematic Risk
Citizens Northern's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Citizens Northern volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Citizens Northern Corp correlated with the market. If Beta is less than 0 Citizens Northern generally moves in the opposite direction as compared to the market. If Citizens Northern Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Citizens Northern Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Citizens Northern is generally in the same direction as the market. If Beta > 1 Citizens Northern moves generally in the same direction as, but more than the movement of the benchmark.
About Citizens Northern Financials
What exactly are Citizens Northern Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Citizens Northern's income statement, its balance sheet, and the statement of cash flows. Potential Citizens Northern investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Citizens Northern investors may use each financial statement separately, they are all related. The changes in Citizens Northern's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Citizens Northern's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Citizens Northern January 22, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Citizens Northern help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Citizens Northern Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Citizens Northern Corp based on widely used predictive technical indicators. In general, we focus on analyzing Citizens Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Citizens Northern's daily price indicators and compare them against related drivers.
| Downside Deviation | 1.26 | |||
| Information Ratio | (0) | |||
| Maximum Drawdown | 10.66 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 2.33 |
Complementary Tools for Citizens Stock analysis
When running Citizens Northern's price analysis, check to measure Citizens Northern's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Northern is operating at the current time. Most of Citizens Northern's value examination focuses on studying past and present price action to predict the probability of Citizens Northern's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Northern's price. Additionally, you may evaluate how the addition of Citizens Northern to your portfolios can decrease your overall portfolio volatility.
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