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Upturn AI SWOT - About
CZNC 
Citizens & Northern Corp (CZNC)
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Upturn Advisory Summary
08/28/2025: CZNC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21
1 Year Target Price $21
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -37.71% | Avg. Invested days 20 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 313.40M USD | Price to earnings Ratio 11.54 | 1Y Target Price 21 |
Price to earnings Ratio 11.54 | 1Y Target Price 21 | ||
Volume (30-day avg) 2 | Beta 0.55 | 52 Weeks Range 17.10 - 21.72 | Updated Date 08/29/2025 |
52 Weeks Range 17.10 - 21.72 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 5.51% | Basic EPS (TTM) 1.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.88% | Operating Margin (TTM) 28.59% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 9.81% |
Valuation
Trailing PE 11.54 | Forward PE 11.19 | Enterprise Value 399899648 | Price to Sales(TTM) 2.89 |
Enterprise Value 399899648 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 4.54 | Enterprise Value to EBITDA - | Shares Outstanding 15514900 | Shares Floating 14793188 |
Shares Outstanding 15514900 | Shares Floating 14793188 | ||
Percent Insiders 3.76 | Percent Institutions 33.71 |
Upturn AI SWOT
Citizens & Northern Corp
Company Overview
History and Background
Citizens & Northern Corporation (CZNC) was founded in 1864. It has evolved from a local bank into a financial services provider serving communities in Pennsylvania and New York. It maintains a focus on community banking principles.
Core Business Areas
- Commercial Banking: Offers business loans, lines of credit, deposit accounts, and other banking services for businesses of various sizes.
- Retail Banking: Provides personal checking and savings accounts, mortgages, auto loans, credit cards, and other financial services for individual customers.
- Wealth Management: Offers investment management, financial planning, trust services, and insurance products to individuals and families.
Leadership and Structure
The leadership team consists of the President & CEO, Chief Financial Officer, and other senior executives. The organizational structure includes various departments responsible for different aspects of banking, lending, operations, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including equipment financing, working capital, and real estate. Competitors include larger regional and national banks, as well as credit unions.
- Residential Mortgages: Mortgages for purchasing or refinancing residential properties. Competitors include national mortgage lenders, online mortgage providers, and other community banks.
- Wealth Management Services: Investment management, financial planning, and trust services. Competitors include national brokerage firms, independent financial advisors, and other wealth management firms.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
CZNC positions itself as a community-focused bank offering personalized service and local expertise. This differentiates it from larger national banks.
Total Addressable Market (TAM)
The TAM consists of banking and financial services consumers in the region it services. CZNC holds a small portion of the overall market but aims to grow market share through its community focus and customer service.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Customer service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology behind larger competitors
Opportunities
- Expansion into new markets
- Increased wealth management services
- Technology investments to improve customer experience
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fulton Financial Corp (FFC)
- First Citizens BancShares (FCNCA)
- Webster Financial Corporation (WBS)
Competitive Landscape
CZNC competes with larger regional and national banks, as well as other community banks and credit unions. Its competitive advantage lies in its personalized service and local expertise.
Major Acquisitions
Gamble Farm Inn & Suites
- Year: 2018
- Acquisition Price (USD millions): 1
- Strategic Rationale: To diversify revenue streams by increasing tourism.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been consistent due to organic growth and targeted acquisitions.
Future Projections: Future growth is projected to be moderate due to conservative nature of financial institutions.
Recent Initiatives: Recent initiatives have included investments in technology and expansion of wealth management services.
Summary
Citizens & Northern Corporation is a stable community bank with a focus on customer service and local relationships. Its smaller size and limited geographic reach are weaknesses. However, its solid capital base and dividend history make it attractive to investors. The company needs to address the challenges of increased competition and technological advancements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens & Northern Corp
Exchange NASDAQ | Headquaters Wellsboro, PA, United States | ||
IPO Launch date 1996-05-30 | President, CEO & Director Mr. J. Bradley Scovill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 386 | Website https://www.cnbankpa.com |
Full time employees 386 | Website https://www.cnbankpa.com | ||
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.
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