Citizens Northern Valuation
| CZNC Stock | USD 20.41 0.22 1.07% |
At this time, the firm appears to be undervalued. Citizens Northern Corp shows a prevailing Real Value of $23.03 per share. The current price of the firm is $20.41. Our model approximates the value of Citizens Northern Corp from analyzing the firm fundamentals such as Profit Margin of 0.24 %, return on equity of 0.0966, and Current Valuation of 400.31 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Citizens Northern's valuation include:
Undervalued
Today
Please note that Citizens Northern's price fluctuation is very steady at this time. Calculation of the real value of Citizens Northern Corp is based on 3 months time horizon. Increasing Citizens Northern's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Citizens Northern is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Stock. However, Citizens Northern's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 20.41 | Real 23.03 | Target 21.0 | Hype 20.41 | Naive 21.1 |
The real value of Citizens Stock, also known as its intrinsic value, is the underlying worth of Citizens Northern Corp Company, which is reflected in its stock price. It is based on Citizens Northern's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Citizens Northern's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Citizens Northern Corp helps investors to forecast how Citizens stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Northern more accurately as focusing exclusively on Citizens Northern's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Citizens Northern's intrinsic value based on its ongoing forecasts of Citizens Northern's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Citizens Northern's closest peers. If more than one evaluation category is relevant for Citizens Northern we suggest using both methods to arrive at a better estimate.
Citizens Northern Cash |
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Citizens Valuation Trend
Comparing Citizens Northern's enterprise value against its market capitalization is a good way to estimate the value of Citizens Northern Corp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Citizens Revenue by Product
Citizens Northern Total Value Analysis
Citizens Northern Corp is currently estimated to have valuation of 400.31 M with market capitalization of 315.66 M, debt of 205.18 M, and cash on hands of 64.04 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Citizens Northern fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
400.31 M | 315.66 M | 205.18 M | 64.04 M |
Citizens Northern Investor Information
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. Based on the analysis of Citizens Northern's profitability, liquidity, and operating efficiency, Citizens Northern Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 1.58 | 0.983 |
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| Total Cash From Operating Activities | 21.4 M | 33 M |
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| Operating Income | 132.2 M | 125.9 M |
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Citizens Northern Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Citizens Northern has an asset utilization ratio of 4.91 percent. This indicates that the Company is making $0.0491 for each dollar of assets. An increasing asset utilization means that Citizens Northern Corp is more efficient with each dollar of assets it utilizes for everyday operations.Citizens Northern Ownership Allocation
Citizens 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.Citizens Northern Profitability Analysis
The company reported the previous year's revenue of 128.08 M. Net Income was 25.96 M with profit before overhead, payroll, taxes, and interest of 106.13 M.Citizens Northern Past Distributions to stockholders
| 8th of November 2024 | ||
| 9th of August 2024 | ||
| 17th of May 2024 | ||
| 9th of February 2024 | ||
| 10th of November 2023 | ||
| 11th of August 2023 | ||
| 12th of May 2023 | ||
| 1st of May 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Citizens Northern's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Citizens Northern and how it compares across the competition.
About Citizens Northern Valuation
The stock valuation mechanism determines Citizens Northern's current worth on a weekly basis. Our valuation model uses a comparative analysis of Citizens Northern. We calculate exposure to Citizens Northern's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Northern's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 128.1 M | 134.5 M | |
| 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 |
Citizens Northern Quarterly Retained Earnings |
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A single share of Citizens Northern represents a small ownership stake in the entity. As a stockholder of Citizens, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Citizens Northern Dividends Analysis For Valuation
As of March 23, 2025, Dividends Paid is expected to decline to about 9.6 M. In addition to that, Dividend Yield is expected to decline to 0.03. At present, Citizens Northern's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 15.5 M | 9.6 M | |
| Dividend Yield | 0.05 | 0.03 | |
| Dividend Payout Ratio | 0.60 | 0.42 | |
| Dividend Paid And Capex Coverage Ratio | 2.13 | 1.56 |
There are various types of dividends Citizens Northern can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Citizens shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Citizens Northern Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Citizens pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Citizens Northern by the value of the dividends paid out.
Citizens Northern Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 15.3 M | |
| Quarterly Earnings Growth Y O Y | 0.9 | |
| Forward Price Earnings | 11.1857 |
Citizens Northern Current Valuation Indicators
Valuation refers to the process of determining the present value of Citizens Northern Corp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Citizens we look at many different elements of the entity such as Citizens's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Citizens Northern, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Citizens Northern's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Citizens Northern's worth.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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