Citizens Northern Net Worth
Citizens Northern Net Worth Breakdown | CZNC |
Citizens Northern Net Worth Analysis
Citizens Northern's net worth analysis, or its valuation, is the process of determining the total value of the company. This involves assessing a range of factors, including Citizens Northern's financial performance, assets, liabilities, and potential for growth. The ultimate goal is to provide a clear understanding of Citizens Northern's overall worth, which can help investors make informed investment decisions. There are several methods that can be used to perform Citizens Northern's net worth analysis. One common approach is to calculate Citizens Northern's market capitalization.Another approach is to use the price-to-earnings ratio (P/E ratio), which compares Citizens Northern's stock price to its earnings per share (EPS). Discounted cash flow (DCF) analysis is another popular method for assessing Citizens Northern's net worth. This approach calculates the present value of Citizens Northern's future cash flows, taking into account factors such as growth rate, profitability, and risk. By comparing the present value of Citizens Northern's cash flows to its current stock price, investors can gain a better understanding of the company's overall value. Finally, investors may use comparable company analysis to evaluate Citizens Northern's net worth. This involves comparing Citizens Northern's financial metrics to similar companies in the same industry. By identifying companies with similar financial characteristics, investors can gain insight into Citizens Northern's net worth relative to its peers.
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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 net worth research are outlined below:
| Citizens Northern has a poor financial position based on the latest SEC disclosures | |
| Latest headline from MacroaxisInsider: Acquisition by Shattuck Katherine W of 107 shares of Citizens Northern at 20.1478 subject to Rule 16b-3 |
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 |
Citizens Northern Target Price Consensus
Citizens target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Citizens Northern's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 2 | Hold |
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Citizens Northern Corp, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationCitizens Northern Target Price Projection
Citizens Northern's current and average target prices are 20.41 and 21.00, respectively. The current price of Citizens Northern is the price at which Citizens Northern Corp is currently trading. On the other hand, Citizens Northern's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Citizens Northern Market Quote on 22nd of March 2025
Target Price
Analyst Consensus On Citizens Northern Target Price
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 | Logan Capital Management Inc | 2024-12-31 | 60.3 K | Renaissance Technologies Corp | 2024-12-31 | 59.9 K | Bank Of New York Mellon Corp | 2024-12-31 | 59.6 K | Jpmorgan Chase & Co | 2024-12-31 | 52.3 K | Qsv Equity Investors Llc | 2024-12-31 | 51.5 K | Stone House Investment Management, Llc | 2024-12-31 | 50.6 K | Stifel Financial Corp | 2024-12-31 | 48.4 K | Hudock Moyer Wealth Resources, Llc | 2024-12-31 | 46.2 K | Goldman Sachs Group Inc | 2024-12-31 | 45.1 K | Blackrock Inc | 2024-12-31 | 1.2 M | Vanguard Group Inc | 2024-12-31 | 799.9 K |
Follow Citizens Northern's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 319.07 M.Market Cap |
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Project Citizens Northern's profitablity
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.05 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.11 |
When accessing Citizens Northern's net worth, it's important to look at multiple sources and consider different scenarios. 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
Citizens Northern Corp has return on total asset (ROA) of 0.0101 % which means that it generated a profit of $0.0101 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0966 %, meaning that it created $0.0966 on every $100 dollars invested by stockholders. 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. At present, Citizens Northern's Return On Assets are projected to slightly decrease based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.11, whereas Return On Capital Employed is forecasted to decline to 0.03. At present, Citizens Northern's Total Current Assets are projected to decrease significantly based on the last few years of reporting. The current year's Return On Tangible Assets is expected to grow to 0.01, whereas Total Assets are forecasted to decline to about 1.4 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 18.03 | 11.26 | |
| Tangible Book Value Per Share | 14.46 | 10.37 | |
| Enterprise Value Over EBITDA | 18.44 | 14.94 | |
| Price Book Value Ratio | 1.03 | 1.63 | |
| Enterprise Value Multiple | 18.44 | 14.94 | |
| Price Fair Value | 1.03 | 1.63 | |
| Enterprise Value | 444.9 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.
Enterprise Value Revenue 4.9222 | Revenue | Quarterly Revenue Growth 0.174 | Revenue Per Share | Return On Equity |
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 Corporate Filings
| 14th of March 2025 Other Reports | ViewVerify | |
F4 | 10th of March 2025 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 |
10K | 6th of March 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
| 31st of January 2025 Other Reports | ViewVerify |
Citizens Northern Earnings Estimation Breakdown
The calculation of Citizens Northern's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Citizens Northern is estimated to be 0.46 with the future projection ranging from a low of 0.46 to a high of 0.46. Please be aware that this consensus of annual earnings estimates for Citizens Northern Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.46 Lowest | Expected EPS | 0.46 Highest |
Citizens Northern Earnings Projection Consensus
Suppose the current estimates of Citizens Northern's value are higher than the current market price of the Citizens Northern stock. In this case, investors may conclude that Citizens Northern is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Citizens Northern's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2025 | Current EPS (TTM) | |
| 2 | 83.24% | 0.53 | 0.46 | 1.69 |
Citizens Northern Earnings per Share Projection vs Actual
Actual Earning per Share of Citizens Northern refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering Citizens Northern Corp predict the company's earnings will be in the future. The higher the earnings per share of Citizens Northern, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.Citizens Northern Estimated Months Earnings per Share
For an investor who is primarily interested in generating an income out of investing in entities such as Citizens Northern, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of Citizens Northern should always be considered in relation to other companies to make a more educated investment decision.Citizens Quarterly Analyst Estimates and Surprise Metrics
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 | |||
|---|---|---|---|---|---|---|---|
2025-01-16 | 2024-12-31 | 0.44 | 0.53 | 0.09 | 20 | ||
2024-10-17 | 2024-09-30 | 0.45 | 0.41 | -0.04 | 8 | ||
2024-07-18 | 2024-06-30 | 0.39 | 0.4 | 0.01 | 2 | ||
2024-04-25 | 2024-03-31 | 0.34 | 0.35 | 0.01 | 2 | ||
2024-01-18 | 2023-12-31 | 0.39 | 0.28 | -0.11 | 28 | ||
2023-11-06 | 2023-09-30 | 0.4 | 0.5 | 0.1 | 25 | ||
2023-07-20 | 2023-06-30 | 0.37 | 0.39 | 0.02 | 5 | ||
2023-04-20 | 2023-03-31 | 0.42 | 0.4 | -0.02 | 4 | ||
2023-01-26 | 2022-12-31 | 0.48 | 0.5 | 0.02 | 4 | ||
2022-10-20 | 2022-09-30 | 0.47 | 0.29 | -0.18 | 38 | ||
2022-08-05 | 2022-06-30 | 0.44 | 0.48 | 0.04 | 9 | ||
2022-04-21 | 2022-03-31 | 0.4 | 0.44 | 0.04 | 10 | ||
2022-02-22 | 2021-12-31 | 0.46 | 0.46 | 0.0 | 0 | ||
2021-10-21 | 2021-09-30 | 0.46 | 0.47 | 0.01 | 2 | ||
2021-07-22 | 2021-06-30 | 0.47 | 0.44 | -0.03 | 6 | ||
2021-04-22 | 2021-03-31 | 0.45 | 0.55 | 0.1 | 22 | ||
2021-01-21 | 2020-12-31 | 0.42 | 0.51 | 0.09 | 21 | ||
2020-10-22 | 2020-09-30 | 0.36 | 0.5 | 0.14 | 38 | ||
2020-07-16 | 2020-06-30 | 0.31 | 0.45 | 0.14 | 45 | ||
2020-05-07 | 2020-03-31 | 0.35 | 0.31 | -0.04 | 11 | ||
2020-01-16 | 2019-12-31 | 0.42 | 0.42 | 0.0 | 0 | ||
2019-10-17 | 2019-09-30 | 0.44 | 0.4 | -0.04 | 9 | ||
2019-07-18 | 2019-06-30 | 0.43 | 0.46 | 0.03 | 6 | ||
2019-04-18 | 2019-03-31 | 0.43 | 0.41 | -0.02 | 4 | ||
2019-01-17 | 2018-12-31 | 0.42 | 0.46 | 0.04 | 9 | ||
2018-10-18 | 2018-09-30 | 0.43 | 0.42 | -0.01 | 2 | ||
2018-07-19 | 2018-06-30 | 0.39 | 0.42 | 0.03 | 7 | ||
2018-04-19 | 2018-03-31 | 0.29 | 0.36 | 0.07 | 24 | ||
2018-01-18 | 2017-12-31 | 0.33 | 0.34 | 0.01 | 3 | ||
2017-10-19 | 2017-09-30 | 0.34 | 0.32 | -0.02 | 5 | ||
2017-07-20 | 2017-06-30 | 0.33 | 0.34 | 0.01 | 3 | ||
2017-04-20 | 2017-03-31 | 0.27 | 0.28 | 0.01 | 3 | ||
2017-01-19 | 2016-12-31 | 0.33 | 0.35 | 0.02 | 6 | ||
2016-10-17 | 2016-09-30 | 0.34 | 0.34 | 0.0 | 0 | ||
2016-07-13 | 2016-06-30 | 0.33 | 0.32 | -0.01 | 3 | ||
2016-04-13 | 2016-03-31 | 0.29 | 0.29 | 0.0 | 0 | ||
2016-01-13 | 2015-12-31 | 0.35 | 0.33 | -0.02 | 5 | ||
2015-10-13 | 2015-09-30 | 0.36 | 0.35 | -0.01 | 2 | ||
2015-08-07 | 2015-06-30 | 0.34 | 0.36 | 0.02 | 5 | ||
2015-04-14 | 2015-03-31 | 0.31 | 0.31 | 0.0 | 0 | ||
2015-01-14 | 2014-12-31 | 0.35 | 0.35 | 0.0 | 0 | ||
2014-11-07 | 2014-09-30 | 0.33 | 0.34 | 0.01 | 3 | ||
2014-07-11 | 2014-06-30 | 0.36 | 0.33 | -0.03 | 8 | ||
2014-04-11 | 2014-03-31 | 0.36 | 0.34 | -0.02 | 5 | ||
2014-01-13 | 2013-12-31 | 0.4 | 0.34 | -0.06 | 15 | ||
2013-10-11 | 2013-09-30 | 0.41 | 0.38 | -0.03 | 7 | ||
2013-07-12 | 2013-06-30 | 0.41 | 0.4 | -0.01 | 2 | ||
2013-04-12 | 2013-03-31 | 0.43 | 0.38 | -0.05 | 11 | ||
2013-01-14 | 2012-12-31 | 0.48 | 0.48 | 0.0 | 0 | ||
2012-11-07 | 2012-09-30 | 0.45 | 0.45 | 0.0 | 0 | ||
2012-08-07 | 2012-06-30 | 0.46 | 0.46 | 0.0 | 0 | ||
2012-05-08 | 2012-03-31 | 0.46 | 0.46 | 0.0 | 0 | ||
2012-01-17 | 2011-12-31 | 0.43 | 0.5 | 0.07 | 16 | ||
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 | ||
2011-05-05 | 2011-03-31 | 0.45 | 0.45 | 0.0 | 0 | ||
2011-01-18 | 2010-12-31 | 0.4 | 0.4 | 0.0 | 0 | ||
2010-10-15 | 2010-09-30 | 0.34 | 0.34 | 0.0 | 0 | ||
2010-08-06 | 2010-06-30 | 0.37 | 0.37 | 0.0 | 0 | ||
2010-05-07 | 2010-03-31 | 0.39 | 0.34 | -0.05 | 12 | ||
2010-01-25 | 2009-12-31 | -0.06 | 0.42 | 0.48 | 800 | ||
2009-11-09 | 2009-09-30 | -0.29 | -3.17 | -2.88 | 993 | ||
2009-08-07 | 2009-06-30 | -0.09 | -1.01 | -0.92 | 1022 | ||
2009-05-01 | 2009-03-31 | 0.17 | -0.82 | -0.99 | 582 |
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 Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.
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 0.9 | Dividend Share 1.12 | Earnings Share 1.69 | Revenue Per Share | Quarterly Revenue Growth 0.174 |
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.