Is Citizens Northern Stock a Good Investment?
Citizens Northern Investment Advice | CZNC |
- Examine Citizens Northern's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Citizens Northern's leadership team and their track record. Good management can help Citizens Northern navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Citizens Northern's business and its evolving consumer preferences.
- Compare Citizens Northern's performance and market position to its competitors. Analyze how Citizens Northern is positioned in terms of product offerings, innovation, and market share.
- Check if Citizens Northern pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Citizens Northern's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Citizens Northern Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Citizens Northern Corp is a good investment.
Sell | Buy |
Hold
Market Performance | Insignificant | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Citizens Northern Stock
Researching Citizens Northern's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 33.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.14. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Northern Corp last dividend was issued on the 28th of October 2024. The entity had 101:100 split on the 28th of December 2007.
To determine if Citizens Northern is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Citizens Northern's research are outlined below:
| On 8th of November 2024 Citizens Northern paid $ 0.28 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Patton Albertson Miller Group LLC Sells 90 Shares of Johnson Johnson |
Citizens Northern uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Citizens Northern Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Northern's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 1st of February 2024 Upcoming Quarterly Report | View | |
| 3rd of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 1st of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Citizens Northern's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Citizens Northern's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2022-04-21 | 2022-03-31 | 0.4 | 0.44 | 0.04 | 10 | ||
2020-05-07 | 2020-03-31 | 0.35 | 0.31 | -0.04 | 11 | ||
2013-04-12 | 2013-03-31 | 0.43 | 0.38 | -0.05 | 11 | ||
2010-05-07 | 2010-03-31 | 0.39 | 0.34 | -0.05 | 12 | ||
2014-01-13 | 2013-12-31 | 0.4 | 0.34 | -0.06 | 15 | ||
2011-10-14 | 2011-09-30 | 0.43 | 0.49 | 0.06 | 13 | ||
2011-07-15 | 2011-06-30 | 0.41 | 0.47 | 0.06 | 14 | ||
2018-04-19 | 2018-03-31 | 0.29 | 0.36 | 0.07 | 24 |
Know Citizens Northern's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens Northern is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens Northern Corp backward and forwards among themselves. Citizens Northern's institutional investor refers to the entity that pools money to purchase Citizens Northern's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Pnc Financial Services Group Inc | 2024-09-30 | 79.9 K | Logan Capital Management Inc | 2024-06-30 | 60.3 K | Renaissance Technologies Corp | 2024-09-30 | 53.6 K | Qsv Equity Investors Llc | 2024-09-30 | 51.5 K | Stifel Financial Corp | 2024-06-30 | 48.7 K | Cetera Investment Advisers | 2024-06-30 | 46.6 K | Minerva Advisors Llc | 2024-09-30 | 42.9 K | Citadel Advisors Llc | 2024-09-30 | 42.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 42.2 K | Blackrock Inc | 2024-06-30 | 1.1 M | Vanguard Group Inc | 2024-09-30 | 825.5 K |
Citizens Northern's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 314.6 M.Market Cap |
|
Citizens Northern's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.11 |
Determining Citizens Northern's profitability involves analyzing its financial statements and using various financial metrics to determine if Citizens Northern is a good buy. For example, gross profit margin measures Citizens Northern's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Citizens Northern's profitability and make more informed investment decisions.
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.
Evaluate Citizens Northern's management efficiency
The current year's Return On Tangible Assets is expected to grow to 0.01. The current year's Return On Capital Employed is expected to grow to 0.03. At present, Citizens Northern's Return On Tangible Assets are projected to slightly decrease based on the last few years of reporting. The current year's Intangibles To Total Assets is expected to grow to 0.02, whereas Total Assets are forecasted to decline to about 1.4 B. Citizens Northern's management efficiency ratios could be used to measure how well Citizens Northern manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 17.21 | 11.14 | |
| Tangible Book Value Per Share | 13.61 | 10.33 | |
| Enterprise Value Over EBITDA | 18.44 | 14.94 | |
| Price Book Value Ratio | 1.30 | 1.64 | |
| Enterprise Value Multiple | 18.44 | 14.94 | |
| Price Fair Value | 1.30 | 1.64 | |
| Enterprise Value | 494.4 M | 266.1 M |
Leadership effectiveness at Citizens Northern Corp is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield 0.0545 | Forward Dividend Yield 0.0545 | Forward Dividend Rate 1.12 | Beta 0.448 |
Basic technical analysis of Citizens Stock
As of the 27th of November, Citizens Northern shows the Downside Deviation of 1.91, risk adjusted performance of 0.034, and Mean Deviation of 1.37. Citizens Northern Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Citizens Northern's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Northern insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Northern's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Northern insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Citizens Northern's Outstanding Corporate Bonds
Citizens Northern issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Northern Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Northern Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| CITIGROUP INC 6675 Corp BondUS172967HA25 | View | |
| CITIGROUP INC 55 Corp BondUS172967HB08 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| CITIGROUP INC 5875 Corp BondUS172967FX46 | View | |
| CITIGROUP INC 33 Corp BondUS172967JP75 | View | |
| CITIGROUP INC 44 Corp BondUS172967JT97 | View | |
| CITIGROUP INC 465 Corp BondUS172967JU60 | View | |
| CITIGROUP INC 3875 Corp BondUS172967JL61 | View |
Understand Citizens Northern's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Citizens Northern's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.034 | |||
| Market Risk Adjusted Performance | 0.0486 | |||
| Mean Deviation | 1.37 | |||
| Semi Deviation | 1.77 | |||
| Downside Deviation | 1.91 | |||
| Coefficient Of Variation | 2724.97 | |||
| Standard Deviation | 1.9 | |||
| Variance | 3.62 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.24) | |||
| Sortino Ratio | (0.03) | |||
| Treynor Ratio | 0.0386 | |||
| Maximum Drawdown | 10.15 | |||
| Value At Risk | (3.69) | |||
| Potential Upside | 2.33 | |||
| Downside Variance | 3.65 | |||
| Semi Variance | 3.14 | |||
| Expected Short fall | (1.40) | |||
| Skewness | 0.5571 | |||
| Kurtosis | 3.98 |
| Risk Adjusted Performance | 0.034 | |||
| Market Risk Adjusted Performance | 0.0486 | |||
| Mean Deviation | 1.37 | |||
| Semi Deviation | 1.77 | |||
| Downside Deviation | 1.91 | |||
| Coefficient Of Variation | 2724.97 | |||
| Standard Deviation | 1.9 | |||
| Variance | 3.62 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.24) | |||
| Sortino Ratio | (0.03) | |||
| Treynor Ratio | 0.0386 | |||
| Maximum Drawdown | 10.15 | |||
| Value At Risk | (3.69) | |||
| Potential Upside | 2.33 | |||
| Downside Variance | 3.65 | |||
| Semi Variance | 3.14 | |||
| Expected Short fall | (1.40) | |||
| Skewness | 0.5571 | |||
| Kurtosis | 3.98 |
Consider Citizens Northern's intraday indicators
Citizens Northern intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens Northern stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Citizens Northern Corporate Filings
| 22nd of November 2024 Other Reports | ViewVerify | |
F4 | 19th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 6th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
13A | 4th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
Citizens Stock media impact
Far too much social signal, news, headlines, and media speculation about Citizens Northern that are available to investors today. That information is available publicly through Citizens media outlets and privately through word of mouth or via Citizens internal channels. However, regardless of the origin, that massive amount of Citizens data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Citizens Northern news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Citizens Northern relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Citizens Northern's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Citizens Northern alpha.
Citizens Northern Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Citizens Northern can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Citizens Northern Corporate Executives
Elected by the shareholders, the Citizens Northern's board of directors comprises two types of representatives: Citizens Northern inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Northern's management team and ensure that shareholders' interests are well served. Citizens Northern's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Northern's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Mark Hughes | CFO, Executive VP, Treasurer, Member of Executive Committee, Member of Asset Liability Committee, CFO of Citizens and Northern Bank and Executive VP of Citizens and Northern Bank | Profile |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Northern Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
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.
In summary, please note that there is a difference between Citizens Northern's value and its price, as these two are different measures arrived at by various 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.