Citizens Financial Statements From 2010 to 2024

CZNC Stock  USD 20.74  0.26  1.27%   
Citizens Northern financial statements provide useful quarterly and yearly information to potential Citizens Northern Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Citizens Northern financial statements helps investors assess Citizens Northern's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Citizens Northern's valuation are summarized below:
Gross Profit
100.3 M
Profit Margin
0.2163
Market Capitalization
319.7 M
Enterprise Value Revenue
5.2022
Revenue
101.9 M
We have found one hundred twenty available fundamental signals for Citizens Northern Corp, which can be analyzed and compared to other ratios and to its rivals. Investors should ensure to validate all of Citizens Northern's prevailing performance against the performance from 2010 to 2024 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 359 M, whereas Enterprise Value is forecasted to decline to about 266.1 M.

Citizens Northern Total Revenue

55.93 Million

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.

Citizens Northern Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.4 B2.5 B1.5 B
Slightly volatile
Short and Long Term Debt Total121.9 M209.4 M109.8 M
Slightly volatile
Total Stockholder Equity170.4 M262.4 M203.5 M
Slightly volatile
Property Plant And Equipment Net17.8 M25.2 M17.5 M
Slightly volatile
Retained Earnings100.8 M157 M112.7 M
Slightly volatile
Cash41 M56.9 M50.3 M
Slightly volatile
Non Current Assets Total2.6 B2.5 B738.6 M
Slightly volatile
Cash And Short Term Investments564.4 M537.5 M431.8 M
Slightly volatile
Net Receivables5.7 M9.1 M5.4 M
Slightly volatile
Common Stock Total Equity10.9 M18.4 M13.1 M
Slightly volatile
Common Stock Shares Outstanding11.8 M15.2 M12.8 M
Slightly volatile
Liabilities And Stockholders Equity1.4 B2.5 B1.5 B
Slightly volatile
Non Current Liabilities Total2.4 B2.3 B357.6 M
Slightly volatile
Total Liabilities1.2 B2.3 B1.3 B
Slightly volatile
Property Plant And Equipment Gross54 M51.4 M25.9 M
Slightly volatile
Total Current Assets516 M604 M638.6 M
Very volatile
Common Stock15.2 M16 M174.4 M
Pretty Stable
Total Current Liabilities891.2 M848.8 M149.3 M
Slightly volatile
Accounts Payable28 M29.4 M82 M
Slightly volatile
Short Term Debt66.8 M63.7 M33 M
Slightly volatile
Other Liabilities11.3 M20 M12.2 M
Slightly volatile
Long Term Debt84.7 M145.7 M66.1 M
Slightly volatile
Short Term Investments355.1 M480.6 M402.6 M
Pretty Stable
Property Plant Equipment20 M24.8 M17.8 M
Slightly volatile
Good Will63.4 M60.4 M27.2 M
Slightly volatile
Other Current Assets63.2 M66.5 M278.4 M
Slightly volatile
Intangible Assets1.9 M2.5 M2.1 M
Pretty Stable
Net Tangible Assets208.9 M223 M191.1 M
Slightly volatile
Retained Earnings Total Equity127.7 M174.5 M118.5 M
Slightly volatile
Long Term Debt Total39.2 M35.4 M52.5 M
Slightly volatile
Capital Surpluse101.1 M165.5 M95.8 M
Slightly volatile
Long Term Investments395 M415.8 M809.8 M
Very volatile
Non Current Liabilities Other30.9 M29.4 M14.9 M
Slightly volatile
Earning Assets315.3 M329.4 M394.9 M
Slightly volatile
Net Invested Capital401.4 M471.8 M316.3 M
Slightly volatile
Capital Stock15.2 M16 M32.7 M
Slightly volatile

Citizens Northern Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.9 M2.2 MM
Slightly volatile
Interest Expense34.8 M33.1 M11.7 M
Slightly volatile
Selling General Administrative9.6 M10.1 M23.8 M
Slightly volatile
Total Revenue55.9 M104.6 M67.3 M
Slightly volatile
Gross Profit55.9 M104.6 M67.2 M
Slightly volatile
Operating Income47.2 M45 M19.4 M
Slightly volatile
EBIT26.9 M30.5 M30.3 M
Slightly volatile
EBITDA28.2 M32.6 M32.2 M
Slightly volatile
Income Before Tax19.2 M30.5 M25.1 M
Slightly volatile
Net Income15.3 M24.1 M19.5 M
Slightly volatile
Income Tax Expense3.8 M6.3 M5.6 M
Pretty Stable
Cost Of Revenue844.7 K889.2 K5.9 M
Slightly volatile
Net Income Applicable To Common Shares18.7 M30.6 M20.2 M
Slightly volatile
Net Income From Continuing Ops23.5 M24.1 M21.7 M
Pretty Stable
Tax ProvisionM6.3 M5.5 M
Pretty Stable
Net Interest Income64.9 M80.4 M53.1 M
Slightly volatile
Interest Income75.4 M113.5 M61 M
Slightly volatile
Reconciled Depreciation2.2 M2.2 M1.8 M
Slightly volatile
Selling And Marketing Expenses39.6 M44.6 M48.6 M
Slightly volatile

Citizens Northern Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow18.7 M31.3 M23.6 M
Pretty Stable
Begin Period Cash Flow37.2 M47.7 M45.4 M
Slightly volatile
Depreciation1.8 M2.6 M1.9 M
Slightly volatile
Capital Expenditures2.2 M2.3 M1.8 M
Slightly volatile
Total Cash From Operating Activities20.9 M33.5 M25.4 M
Pretty Stable
Net Income15.3 M24.1 M19.5 M
Slightly volatile
End Period Cash Flow38.6 M52.8 M45.9 M
Slightly volatile
Other Cashflows From Investing Activities8.8 M16.6 M11.1 M
Slightly volatile
Change Receivables2.9 M3.2 M3.5 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.13.26746.0956
Slightly volatile
Dividend Yield0.03120.04550.0388
Slightly volatile
PTB Ratio1.641.3031.4469
Pretty Stable
Days Sales Outstanding36.438.3253.6496
Slightly volatile
Book Value Per Share11.1417.214515.4528
Slightly volatile
Free Cash Flow Yield0.06140.09150.0844
Slightly volatile
Operating Cash Flow Per Share1.352.2011.9439
Pretty Stable
Stock Based Compensation To Revenue0.00730.01410.0102
Slightly volatile
Capex To Depreciation1.20.88510.9029
Slightly volatile
PB Ratio1.641.3031.4469
Pretty Stable
EV To Sales4.494.7258.3064
Slightly volatile
Free Cash Flow Per Share1.192.05241.815
Pretty Stable
ROIC0.08140.07560.0497
Slightly volatile
Net Income Per Share1.01.58431.4896
Very volatile
Payables Turnover0.07190.08090.0881
Slightly volatile
Sales General And Administrative To Revenue0.09150.09630.4465
Slightly volatile
Capex To Revenue0.02060.02160.0317
Slightly volatile
Cash Per Share19.9335.263733.7055
Very volatile
POCF Ratio13.9810.190611.8927
Slightly volatile
Interest Coverage1.191.35941.8432
Slightly volatile
Payout Ratio0.410.64470.5793
Slightly volatile
Capex To Operating Cash Flow0.06410.06750.067
Slightly volatile
PFCF Ratio16.9510.928512.9565
Slightly volatile
Days Payables Outstanding3.2 K3.7 KK
Slightly volatile
Income Quality0.91.38931.2744
Slightly volatile
ROE0.110.0920.0998
Slightly volatile
EV To Operating Cash Flow23.214.736614.7551
Slightly volatile
PE Ratio11.1814.157514.7418
Pretty Stable
Return On Tangible Assets0.01310.00980.0135
Slightly volatile
EV To Free Cash Flow28.9715.803516.1804
Slightly volatile
Earnings Yield0.05980.07060.0692
Slightly volatile
Intangibles To Total Assets0.02290.02190.0142
Slightly volatile
Current Ratio4.684.9341.315
Slightly volatile
Tangible Book Value Per Share10.3313.607713.7553
Pretty Stable
Receivables Turnover7.459.8612.0906
Very volatile
Graham Number17.3224.771922.7345
Slightly volatile
Shareholders Equity Per Share11.1417.214515.4528
Slightly volatile
Debt To Equity1.130.7980.4319
Very volatile
Capex Per Share0.220.14860.1329
Slightly volatile
Revenue Per Share3.616.86474.9807
Slightly volatile
Interest Debt Per Share16.8315.90946.975
Slightly volatile
Debt To Assets0.130.08320.0536
Very volatile
Enterprise Value Over EBITDA14.9418.4413.6385
Slightly volatile
Short Term Coverage Ratios0.880.5272.0703
Slightly volatile
Price Earnings Ratio11.1814.157514.7418
Pretty Stable
Price Book Value Ratio1.641.3031.4469
Pretty Stable
Days Of Payables Outstanding3.2 K3.7 KK
Slightly volatile
Dividend Payout Ratio0.410.64470.5793
Slightly volatile
Price To Operating Cash Flows Ratio13.9810.190611.8927
Slightly volatile
Price To Free Cash Flows Ratio16.9510.928512.9565
Slightly volatile
Pretax Profit Margin0.280.29130.5548
Slightly volatile
Ebt Per Ebit0.640.67747.4408
Slightly volatile
Operating Profit Margin0.410.43010.7838
Slightly volatile
Effective Tax Rate0.240.20780.2304
Slightly volatile
Company Equity Multiplier9.059.58757.5949
Slightly volatile
Long Term Debt To Capitalization0.420.35710.2312
Very volatile
Total Debt To Capitalization0.470.44380.2556
Pretty Stable
Return On Capital Employed0.02790.01790.0132
Very volatile
Debt Equity Ratio1.130.7980.4319
Very volatile
Ebit Per Revenue0.410.43010.7838
Slightly volatile
Quick Ratio5.215.4941.9769
Slightly volatile
Dividend Paid And Capex Coverage Ratio1.551.88112.0956
Slightly volatile
Net Income Per E B T0.620.79220.7603
Pretty Stable
Cash Ratio0.460.482.9989
Slightly volatile
Operating Cash Flow Sales Ratio0.30.32060.5368
Slightly volatile
Days Of Sales Outstanding36.438.3253.6496
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.690.93250.9166
Slightly volatile
Cash Flow Coverage Ratios0.30.16020.6761
Slightly volatile
Price To Book Ratio1.641.3031.4469
Pretty Stable
Fixed Asset Turnover2.444.15173.63
Slightly volatile
Capital Expenditure Coverage Ratio11.1314.811518.3081
Slightly volatile
Price Cash Flow Ratio13.9810.190611.8927
Slightly volatile
Enterprise Value Multiple14.9418.4413.6385
Slightly volatile
Debt Ratio0.130.08320.0536
Very volatile
Cash Flow To Debt Ratio0.30.16020.6761
Slightly volatile
Price Sales Ratio3.13.26746.0956
Slightly volatile
Return On Assets0.0130.00960.0133
Slightly volatile
Asset Turnover0.03080.04160.0417
Pretty Stable
Net Profit Margin0.220.23080.4214
Slightly volatile
Gross Profit Margin0.790.890.9657
Slightly volatile
Price Fair Value1.641.3031.4469
Pretty Stable
Return On Equity0.110.0920.0998
Slightly volatile
Operating Cycle17.5519.7421.4994
Slightly volatile

Citizens Northern Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap359 M341.9 M296.2 M
Slightly volatile
Enterprise Value266.1 M494.4 M329.6 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings11.5741
Cash And Short Term Investments537.5 M

Citizens Upcoming Events

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

About Citizens Northern Financial Statements

Citizens Northern stakeholders use historical fundamental indicators, such as Citizens Northern's revenue or net income, 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
Current Deferred Revenue25.1 M26.4 M
Total Revenue104.6 M55.9 M
Cost Of Revenue889.2 K844.7 K
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.10  0.09 
Capex To Revenue 0.02  0.02 
Revenue Per Share 6.86  3.61 
Ebit Per Revenue 0.43  0.41 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
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 Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
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.