Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
CZNC logo CZNC
Upturn stock ratingUpturn stock rating
CZNC logo

Citizens & Northern Corp (CZNC)

Upturn stock ratingUpturn stock rating
$18.35
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/20/2025: CZNC (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$21Target price
Low$15.82
Current$18.35
high$22.06

Analysis of Past Performance

Type Stock
Historic Profit -28.73%
Avg. Invested days 22
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/20/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 297.96M USD
Price to earnings Ratio 11.01
1Y Target Price 21
Price to earnings Ratio 11.01
1Y Target Price 21
Volume (30-day avg) 2
Beta 0.49
52 Weeks Range 15.82 - 22.06
Updated Date 06/30/2025
52 Weeks Range 15.82 - 22.06
Updated Date 06/30/2025
Dividends yield (FY) 5.82%
Basic EPS (TTM) 1.72

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 24.92%
Operating Margin (TTM) 28.8%

Management Effectiveness

Return on Assets (TTM) 1.05%
Return on Equity (TTM) 9.92%

Valuation

Trailing PE 11.01
Forward PE 11.19
Enterprise Value 373500544
Price to Sales(TTM) 2.76
Enterprise Value 373500544
Price to Sales(TTM) 2.76
Enterprise Value to Revenue 4.56
Enterprise Value to EBITDA -
Shares Outstanding 15494600
Shares Floating 14768050
Shares Outstanding 15494600
Shares Floating 14768050
Percent Insiders 3.7
Percent Institutions 34.05

Analyst Ratings

Rating 1
Target Price 21
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Citizens & Northern Corp

stock logo

Company Overview

overview logo History and Background

Citizens & Northern Corporation was founded in 1864 as the Farmers National Bank of Tioga County. It has evolved through mergers and acquisitions, becoming a diversified financial services company serving northern Pennsylvania and southern New York.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of loan and deposit products to businesses, including commercial real estate lending, working capital lines of credit, and treasury management services.
  • Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgages, and consumer loans.
  • Wealth Management: Offers investment advisory, trust, and estate planning services to individuals and families.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, COO, and other senior executives. The organizational structure is hierarchical, with various departments reporting to senior management. The company is overseen by a board of directors.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans comprise a significant portion of C&N's lending portfolio. Competitors include other regional banks like FNCB Bancorp and larger national banks with a presence in the region. Precise market share data is not readily available, but C&N is a significant player in its local market.
  • Mortgages: Mortgages are a key product for retail customers. Competitors include national mortgage lenders and other regional banks. Market share data is not easily accessible.
  • Deposit Accounts: Checking, savings, and money market accounts form a foundation for the bank's customer base. Competition is fierce from online and traditional banks. Market share for deposit accounts is difficult to pinpoint.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a trend.

Positioning

Citizens & Northern Corp is positioned as a community bank focused on building relationships and providing personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in C&N's geographic footprint is estimated to be in the billions of dollars. C&N holds a smaller portion of the TAM due to its size and regional focus.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Established customer relationships
  • Sound asset quality
  • Experienced management team

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Dependence on traditional banking model
  • Lower Technology investments compared to peers

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking
  • Acquisition of smaller banks
  • Growing wealth management business

Threats

  • Rising interest rates
  • Increased competition from larger banks and fintech companies
  • Regulatory changes
  • Economic downturn

Competitors and Market Share

competitor logo Key Competitors

  • FNCB (FNCB)
  • ESSA Bancorp, Inc. (ESSA)
  • NBT Bancorp Inc. (NBTB)

Competitive Landscape

Citizens & Northern Corp competes with larger regional banks and smaller community banks. Its advantages include its local focus and customer relationships. Disadvantages include its smaller scale and limited geographic reach.

Major Acquisitions

Gannon Associates, Inc

  • Year: 2018
  • Acquisition Price (USD millions): 4.9
  • Strategic Rationale: Acquisition of Gannon Associates expands C&N's Wealth Management Business

Growth Trajectory and Initiatives

Historical Growth: Citizens & Northern Corp has experienced moderate growth over the past years, driven by organic growth and acquisitions.

Future Projections: Analyst estimates for Citizens & Northern Corp's future growth vary depending on market conditions and company performance. Projections are not included here.

Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.

Summary

Citizens & Northern Corp is a community bank with a strong local presence and customer relationships, but it faces challenges from larger banks and fintech companies. Its strengths lie in its customer-focused approach and sound asset quality, but its limited geographic reach and smaller scale could hinder growth. The company has a history of paying dividends and is working to expand its wealth management business.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Analyst estimates

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share information can be estimated. Consult with a qualified financial advisor before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 386

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.