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CZNC 
Citizens & Northern Corp (CZNC)
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Upturn Advisory Summary
11/05/2025: CZNC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $21.5
1 Year Target Price $21.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 339.00M USD | Price to earnings Ratio 10.88 | 1Y Target Price 21.5 |
Price to earnings Ratio 10.88 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 2 | Beta 0.57 | 52 Weeks Range 16.85 - 21.41 | Updated Date 11/6/2025 |
52 Weeks Range 16.85 - 21.41 | Updated Date 11/6/2025 | ||
Dividends yield (FY) 5.82% | Basic EPS (TTM) 1.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.53 | Actual 0.4688 |
Profitability
Profit Margin 24.75% | Operating Margin (TTM) 32.47% |
Management Effectiveness
Return on Assets (TTM) 1.02% | Return on Equity (TTM) 9.5% |
Valuation
Trailing PE 10.88 | Forward PE 11.19 | Enterprise Value 349993920 | Price to Sales(TTM) 3.09 |
Enterprise Value 349993920 | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 4.83 | Enterprise Value to EBITDA - | Shares Outstanding 17804700 | Shares Floating 14691590 |
Shares Outstanding 17804700 | Shares Floating 14691590 | ||
Percent Insiders 3.42 | Percent Institutions 29.41 |
Upturn AI SWOT
Citizens & Northern Corp
Company Overview
History and Background
Citizens & Northern Corporation (CZNC) was founded in 1864. It has grown from a community bank to a financial services provider offering a range of banking and wealth management solutions. It has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Provides personal banking services, including checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services.
- Insurance: Provides Insurance products for clients and businesses
Leadership and Structure
The company is led by a board of directors and an executive management team. The structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Competitors include other regional and national banks such as PNC, FNB, and Wells Fargo. CZNC does not report market share on this offering.
- Mortgages: Residential mortgages for home purchases and refinancing. Competitors include Quicken Loans, Wells Fargo, and other regional banks. CZNC does not report market share on this offering.
- Wealth Management Services: Investment management and financial planning services. Competitors include Raymond James, Morgan Stanley, and other local advisors. CZNC does not report market share on this offering.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and growing competition from non-traditional financial institutions (fintech companies).
Positioning
Citizens & Northern Corp is a regional community bank that positions itself through personalized service and local market expertise. Its competitive advantage lies in its deep customer relationships and understanding of the local economy.
Total Addressable Market (TAM)
The TAM for community banking in CZNC's operating region is estimated to be in the multi-billion dollar range. CZNC is well-positioned to capture a reasonable portion of this market through continued relationship building and product innovation.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Diversified revenue streams (banking, wealth management, and insurance)
- Solid capital base
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on interest rate environment
- Higher operating costs compared to online banks
- Lower brand recognition than larger competitors
Opportunities
- Expansion into new markets within its region
- Increased adoption of digital banking services
- Cross-selling opportunities between banking and wealth management
- Acquisitions of smaller community banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturns impacting loan demand
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FNB
- CFFN
Competitive Landscape
Citizens & Northern Corp competes with larger regional and national banks. Its advantages include local market expertise and personalized service. Its disadvantages include limited geographic reach and brand recognition.
Major Acquisitions
Gessel Insurance Agency
- Year: 2018
- Acquisition Price (USD millions): 2.8
- Strategic Rationale: Expand insurance service offerings and customer base.
Growth Trajectory and Initiatives
Historical Growth: CZNC has experienced steady growth over the past few years, driven by loan growth, fee income, and acquisitions.
Future Projections: Analysts project continued moderate growth for CZNC, driven by expanding its loan portfolio and wealth management services.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of its wealth management team.
Summary
Citizens & Northern Corp is a stable, regional community bank with a diversified business model. Its strengths lie in its strong customer relationships and local market presence. Challenges include competition from larger banks and fintech companies, along with potential interest rate risk. The company's wealth management and insurance offerings provide additional revenue streams, and continued investment in digital banking is necessary to remain competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company reports
- Analyst reports
- FDIC Data
- Publically available News data, SEC Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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