Citizens Northern Corp Stock Analysis

CZNC Stock  USD 20.15  0.26  1.27%   
Citizens Northern Corp is overvalued with Real Value of 16.75 and Target Price of 19.5. The main objective of Citizens Northern stock analysis is to determine its intrinsic value, which is an estimate of what Citizens Northern Corp is worth, separate from its market price. There are two main types of Citizens Northern's stock analysis: fundamental analysis and technical analysis.
The Citizens Northern stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Citizens Northern's ongoing operational relationships across important fundamental and technical indicators.
  
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.

Citizens Stock Analysis Notes

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 . 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. For more info on Citizens Northern Corp please contact Bradley Scovill at 570 724 3411 or go to https://www.cnbankpa.com.

Citizens Northern Corp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Citizens Northern's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Citizens Northern Corp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
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 Corp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens Northern 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

Citizens Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2022-04-21
2022-03-310.40.440.0410 
2020-05-07
2020-03-310.350.31-0.0411 
2013-04-12
2013-03-310.430.38-0.0511 
View All Earnings Estimates

Citizens Northern Environmental, Social, and Governance (ESG) Scores

Citizens Northern's ESG score is a quantitative measure that evaluates Citizens Northern's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Citizens Northern's operations that may have significant financial implications and affect Citizens Northern's stock price as well as guide investors towards more socially responsible investments.

Citizens Stock Institutional Investors

Shares
Pnc Financial Services Group Inc2024-09-30
79.9 K
Logan Capital Management Inc2024-06-30
60.3 K
Renaissance Technologies Corp2024-09-30
53.6 K
Qsv Equity Investors Llc2024-09-30
51.5 K
Stifel Financial Corp2024-06-30
48.7 K
Cetera Investment Advisers2024-06-30
46.6 K
Minerva Advisors Llc2024-09-30
42.9 K
Citadel Advisors Llc2024-09-30
42.6 K
Morgan Stanley - Brokerage Accounts2024-06-30
42.2 K
Blackrock Inc2024-06-30
1.1 M
Vanguard Group Inc2024-09-30
825.5 K
Note, although Citizens Northern's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Citizens Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 314.6 M.

Citizens Profitablity

The company has Profit Margin (PM) of 0.22 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.3 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.3.
Last ReportedProjected 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 

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 ReportedProjected 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 Value494.4 M266.1 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
Operating Margin
0.2996
Profit Margin
0.2163
Forward Dividend Yield
0.0545
Beta
0.448

Technical Drivers

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 Corp Price Movement Analysis

The output start index for this execution was three with a total number of output elements of fifty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Citizens Northern middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Citizens Northern Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Citizens Northern Corp 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.
 
Balagour Alexander over a week ago
Acquisition by Balagour Alexander of tradable shares of Citizens Northern at 20.98 subject to Rule 16b-3
 
Shattuck Katherine W over two weeks ago
Acquisition by Shattuck Katherine W of tradable shares of Citizens Northern at 20.58 subject to Rule 16b-3
 
Shattuck Katherine W over two months ago
Acquisition by Shattuck Katherine W of tradable shares of Citizens Northern at 19.15 subject to Rule 16b-3
 
Shattuck Katherine W over three months ago
Acquisition by Shattuck Katherine W of tradable shares of Citizens Northern at 18.61 subject to Rule 16b-3
 
Shattuck Katherine W over three months ago
Acquisition by Shattuck Katherine W of 101 shares of Citizens Northern at 18.3482 subject to Rule 16b-3
 
Shattuck Katherine W over three months ago
Acquisition by Shattuck Katherine W of 110 shares of Citizens Northern at 16.9448 subject to Rule 16b-3
 
Shattuck Katherine W over three months ago
Acquisition by Shattuck Katherine W of 109 shares of Citizens Northern at 17.151 subject to Rule 16b-3
 
Lehman Terry L over six months ago
Acquisition by Lehman Terry L of 1500 shares of Citizens Northern at 17.0 subject to Rule 16b-3
 
Thomas Rudy over six months ago
Acquisition by Thomas Rudy of 191 shares of Citizens Northern at 18.19 subject to Rule 16b-3
 
Shattuck Katherine W over six months ago
Acquisition by Shattuck Katherine W of 1000 shares of Citizens Northern at 21.385 subject to Rule 16b-3
 
Singer Aaron K over six months ago
Acquisition by Singer Aaron K of tradable shares of Citizens Northern at 18.22 subject to Rule 16b-3
 
Pellegrino Frank G over six months ago
Acquisition by Pellegrino Frank G of 113 shares of Citizens Northern at 17.6757 subject to Rule 16b-3

Citizens Northern Outstanding 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.

Citizens Northern Predictive Daily 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
F4
15th 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
F4
14th 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
F4
12th 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
8K
17th of October 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Citizens Northern Forecast Models

Citizens Northern's time-series forecasting models are one of many Citizens Northern's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Citizens Northern's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Citizens Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Citizens Northern prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Citizens shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Citizens Northern. By using and applying Citizens Stock analysis, traders can create a robust methodology for identifying Citizens entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.29  0.28 
Operating Profit Margin 0.43  0.41 
Net Profit Margin 0.23  0.22 
Gross Profit Margin 0.89  0.79 

Current Citizens Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Citizens analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Citizens analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
19.5Hold1Odds
Citizens Northern Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Citizens Northern Corp, talking to its executives and customers, or listening to Citizens conference calls.
Citizens Analyst Advice Details

Citizens Stock Analysis Indicators

Citizens Northern Corp stock analysis indicators help investors evaluate how Citizens Northern stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Citizens Northern shares will generate the highest return on investment. By understating and applying Citizens Northern stock analysis, traders can identify Citizens Northern position entry and exit signals to maximize returns.
Begin Period Cash Flow47.7 M
Total Stockholder Equity262.4 M
Property Plant And Equipment Net25.2 M
Cash And Short Term Investments537.5 M
Net Invested Capital471.8 M
Cash56.9 M
50 Day M A19.5932
Net Interest Income80.4 M
Total Current Liabilities848.8 M
Forward Price Earnings11.6144
Investments-53.2 M
Interest Expense33.1 M
Stock Based Compensation1.5 M
Long Term Debt145.7 M
Common Stock Shares Outstanding15.2 M
Tax Provision6.3 M
Quarterly Earnings Growth Y O Y-0.175
Free Cash Flow31.3 M
Other Current Assets66.5 M
Net Debt152.5 M
Other Operating Expenses107.4 M
Non Current Assets Total2.5 B
Liabilities And Stockholders Equity2.5 B
Non Currrent Assets Other-108.8 M

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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