Citizens Northern Corp Stock Analysis
CZNC Stock | USD 20.33 0.40 1.93% |
Citizens Northern Corp is undervalued with Real Value of 22.01 and Target Price of 21.0. 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.
Citizens |
Citizens Stock Analysis Notes
About 34.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.15. 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 3rd of February 2025. The entity had 101:100 split on the 28th of December 2007. 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.
Citizens Northern has a poor financial position based on the latest SEC disclosures | |
Latest headline from thelincolnianonline.com: Millstone Evans Group LLC Invests 49,000 in SPDR Portfolio SP 400 Mid Cap ETF |
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 | 2022-03-31 | 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 |
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 | 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 |
Citizens Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 320.61 M.Citizens Profitablity
The company has Profit Margin (PM) of 0.24 %, 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 0.35 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.35.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 |
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.
Technical Drivers
As of the 25th of March, Citizens Northern shows the Downside Deviation of 1.6, mean deviation of 1.45, and Risk Adjusted Performance of 0.0569. 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 nineteen with a total number of output elements of fourty-two. 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.
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.
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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
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 |
F4 | 31st of December 2124 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 | 20th of February 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 |
F4 | 19th of February 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 |
F4 | 10th of February 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 |
F4 | 4th of February 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 |
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 Reported | Projected for Next Year | ||
Pretax Profit Margin | 0.25 | 0.24 | |
Operating Profit Margin | 0.98 | 1.58 | |
Net Profit Margin | 0.20 | 0.19 | |
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 Price | Advice | # of Analysts | |
21.0 | Hold | 2 | Odds |
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 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 Flow | 52.8 M | |
Long Term Debt | 205.2 M | |
Common Stock Shares Outstanding | 15.3 M | |
Total Stockholder Equity | 275.3 M | |
Tax Provision | 5.9 M | |
Quarterly Earnings Growth Y O Y | 0.9 | |
Property Plant And Equipment Net | 21.3 M | |
Cash And Short Term Investments | 475.7 M | |
Cash | 22.2 M | |
Net Debt | 79 M | |
50 Day M A | 20.5496 | |
Other Operating Expenses | 2.2 M | |
Non Current Assets Total | 76.5 M | |
Forward Price Earnings | 11.1857 | |
Non Currrent Assets Other | 620 K | |
Stock Based Compensation | 1.5 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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