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Upturn AI SWOT - About
CZNC 
Citizens & Northern Corp (CZNC)
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Upturn Advisory Summary
07/14/2025: 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 -29.02% | 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 07/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 308.03M USD | Price to earnings Ratio 11.36 | 1Y Target Price 21 |
Price to earnings Ratio 11.36 | 1Y Target Price 21 | ||
Volume (30-day avg) 2 | Beta 0.49 | 52 Weeks Range 16.53 - 22.06 | Updated Date 07/13/2025 |
52 Weeks Range 16.53 - 22.06 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 5.91% | Basic EPS (TTM) 1.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-16 | When After Market | Estimate 0.465 | 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 11.36 | Forward PE 11.19 | Enterprise Value 373500544 | Price to Sales(TTM) 2.85 |
Enterprise Value 373500544 | Price to Sales(TTM) 2.85 | ||
Enterprise Value to Revenue 4.66 | Enterprise Value to EBITDA - | Shares Outstanding 15494600 | Shares Floating 14768050 |
Shares Outstanding 15494600 | Shares Floating 14768050 | ||
Percent Insiders 3.7 | Percent Institutions 34.05 |
Upturn AI SWOT
Citizens & Northern Corp
Company Overview
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.
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 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
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
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
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.
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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