Citizens Northern Corp Stock Today
| CZNC Stock | USD 20.41 0.22 1.07% |
PerformanceOK
| Odds Of DistressLow
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Citizens Northern is trading at 20.41 as of the 22nd of March 2025, a 1.07% down since the beginning of the trading day. The stock's open price was 20.63. Citizens Northern has less than a 9 % chance of experiencing financial distress in the next few years but had a somewhat ok performance during the last 90 days. The performance scores are derived for the period starting the 22nd of December 2024 and ending today, the 22nd of March 2025. Click here to learn more.
Business Domain Banks | IPO Date 30th of May 1996 | Category Financial Services | Classification Financials |
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. The company has 15.47 M outstanding shares of which 67.66 K shares are currently shorted by private and institutional investors with about 1.71 trading days to cover. More on Citizens Northern Corp
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Citizens Stock Highlights
ESG Sustainability
Environmental | Governance | Social |
| CEO President | Bradley Scovill | ||||
| Old Name | ETFS Swiss Franc Dly Hdg Zinc ETC | ||||
| Business Concentration | Regional Banks, Banks - Regional, Financial Services, NASDAQ Composite Total, NASDAQ Composite, Financials, Banks, Banks—Regional, Financial Services (View all Sectors) | ||||
| Average Analyst Recommendation | |||||
Debt LevelsCitizens Northern can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Citizens Northern's financial leverage. It provides some insight into what part of Citizens Northern's total assets is financed by creditors.
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Citizens Northern Corp (CZNC) is traded on NASDAQ Exchange in USA. It is located in 90-92 Main Street, Wellsboro, PA, United States, 16901 and employs 386 people. Citizens Northern is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 319.07 M. Citizens Northern Corp conducts business under Banks sector and is part of Financials industry. The entity has 15.47 M outstanding shares of which 67.66 K shares are currently shorted by private and institutional investors with about 1.71 trading days to cover.
Citizens Northern Corp currently holds about 64.04 M in cash with 33.03 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 4.13.
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Ownership AllocationCitizens Northern holds a total of 15.47 Million outstanding shares. 30% of Citizens Northern Corp outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
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Citizens Stock Institutional Holders
| Instituion | Recorded On | Shares | |
| Logan Capital Management Inc | 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 Northern Historical Income Statement
Citizens Stock Against Markets
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 Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
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.