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Citizens & Northern Corp

Citizens & Northern Corp

CZNC · NASDAQ · Financial Services / Banks - Regional

28.12USD+0.10 (+0.36%)

Price History

Full chart

Market Stats

Previous Close28.02
Open28.21
Day Range27.94 – 28.43
52-Week Range18.02 – 26.37
Volume57.00K
Market Cap460.93M
P/E (TTM)17.48
Forward P/E11.19
EPS1.47
Dividend Yield4.39%
Beta0.39
50-Day Avg25.34
200-Day Avg22.89

About

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. The company's 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. It 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. The company 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. J. Bradley Scovill
  • Employees460
  • Headquarters90-92 Main Street, Wellsboro, PA, United States, 16901, USA
  • Websitehttps://www.cnbankpa.com

Leadership

  • Mr. J. Bradley ScovillPresident, CEO & Director · b. 1959
  • Mr. Mark A. HughesTreasurer · b. 1962
  • Mr. Philip Prough CFP, CIMASenior VP & Chief Investment Strategist
  • Ms. Shelley L. D'HaeneExecutive VP and Chief Digital Channels & Payments Officer · b. 1961
  • Mr. Ryan J. SatalinSVP & Regional Commercial Lending Executive
  • Mr. Jeffrey G. HollenbachExecutive VP & Region President
  • Mr. David S. RunkExecutive VP & Strategic Advisor · b. 1964
  • Mr. Chau NguyenSenior VP & Senior Commercial Lending Relationship Manager
  • Stephen ShermanSenior VP & Regional Commercial Lending Executive
  • Mr. Michael KilgourSenior VP & Senior Commercial Lending Relationship Manager

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue24.20M29.68M27.47M28.32M54.54M57.90M58.02M62.70M66.80M66.62M67.72M72.45M44.80M80.79M87.12M82.52M76.78M77.29M74.56M66.06M61.61M61.87M59.63M60.99M69.65M82.97M100.44M108.95M115.48M136.24M155.47M154.19M
Growth (%)-+22.64%-7.45%+3.07%+92.62%+6.16%+0.21%+8.06%+6.53%-0.27%+1.66%+6.99%-38.16%+80.32%+7.84%-5.28%-6.95%+0.66%-3.53%-11.40%-6.74%+0.42%-3.62%+2.28%+14.21%+19.12%+21.05%+8.47%+5.99%+17.98%+14.11%-0.82%
Cost of Revenue21.54M25.21M24.15M24.11M23.46M25.33M30.82M28.96M27.25M24.64M24.01M27.71M31.45M34.44M31.96M25.14M20.44M13.27M9.32M7.81M5.60M5.45M4.91M4.72M5.21M11.13M13.51M10.22M16.77M33.29M51.16M53.44M
Gross Profit2.66M4.47M3.32M4.21M31.09M32.57M27.20M33.74M39.54M41.98M43.72M44.74M13.36M46.35M55.16M57.38M56.34M64.02M65.24M58.25M56.01M56.42M54.72M56.27M64.44M71.84M86.93M98.73M98.70M102.95M104.31M100.75M
Gross Margin11.00%15.06%12.09%14.86%57.00%56.25%46.88%53.82%59.20%63.02%64.55%61.75%29.81%57.37%63.32%69.54%73.38%82.83%87.50%88.17%90.91%91.20%91.76%92.27%92.52%86.58%86.55%90.62%85.47%75.56%67.09%65.34%
Operating Expense-7.17M-5.89M-9.08M-9.06M16.48M17.73M16.91M18.67M20.85M22.11M26.00M28.96M-1.40M33.28M42.78M119.37M31.49M31.94M34.11M33.47M33.23M34.62M33.61M35.68M38.18M48.43M63.72M61.04M66.35M72.47M72.44M72.11M
Operating Income9.83M10.36M12.41M13.27M14.60M14.84M10.29M15.07M18.69M19.87M17.71M15.78M14.76M13.07M12.38M-61.99M24.86M32.08M31.13M24.78M22.78M21.81M21.11M20.59M26.26M23.41M23.21M37.69M32.35M30.48M31.87M28.64M
Operating Margin40.62%34.90%45.16%46.87%26.78%25.63%17.74%24.04%27.98%29.82%26.16%21.78%32.94%16.17%14.21%-75.12%32.37%41.51%41.75%37.51%36.97%35.25%35.40%33.76%37.70%28.21%23.11%34.59%28.01%22.37%20.50%18.58%
EBITDA10.46M11.09M13.17M14.00M14.96M13.97M8.89M16.40M19.74M21.18M19.39M18.25M17.49M16.36M15.81M-58.85M27.38M34.34M33.14M26.85M24.75M23.70M22.70M22.23M28.02M25.16M25.19M39.82M34.74M32.63M34.05M31.01M
EBITDA Margin43.21%37.37%47.94%49.43%27.42%24.13%15.32%26.15%29.56%31.79%28.63%25.19%39.05%20.25%18.15%-71.32%35.66%44.43%44.45%40.64%40.18%38.30%38.06%36.45%40.22%30.32%25.08%36.55%30.08%23.95%21.90%20.11%
Net Income7.49M7.87M9.26M10.11M11.08M11.48M8.48M12.05M14.96M16.26M14.86M12.98M11.99M10.42M10.06M-39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M22.01M19.50M19.22M30.55M26.62M24.15M25.96M23.43M
Net Income Margin30.96%26.50%33.69%35.69%20.31%19.84%14.61%19.22%22.39%24.40%21.95%17.92%26.75%12.90%11.55%-47.67%24.82%30.23%30.45%28.15%27.73%26.62%26.43%22.03%31.60%23.51%19.14%28.04%23.05%17.72%16.70%15.19%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense20.80M24.48M23.45M23.31M22.69M24.57M30.14M28.36M26.32M23.54M22.61M25.69M30.77M33.91M31.05M24.46M19.25M13.56M9.03M5.76M5.12M4.60M3.69M3.92M4.63M10.28M9.60M6.56M9.52M33.10M48.96M47.36M
Interest Expense % of Total Revenue85.95%82.46%85.36%82.33%41.61%42.44%51.95%45.22%39.40%35.33%33.38%35.45%68.69%41.97%35.64%29.64%25.06%17.54%12.11%8.73%8.31%7.44%6.19%6.42%6.64%12.39%9.55%6.02%8.24%24.30%31.49%30.72%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets546.48M585.99M610.19M615.35M646.30M705.90M719.34M867.00M1.02B1.07B1.12B1.16B1.13B1.28B1.28B1.32B1.32B1.32B1.29B1.24B1.24B1.22B1.24B1.28B1.29B1.65B2.24B2.33B2.45B2.52B2.61B3.13B
Total Liabilities499.68M519.01M538.60M529.82M555.70M629.27M630.37M766.81M902.93M941.56M991.42M1.03B997.48M1.15B1.16B1.17B1.18B1.16B1.10B1.06B1.05B1.04B1.06B1.09B1.09B1.41B1.94B2.03B2.20B2.25B2.34B2.79B
Total Equity46.80M66.98M71.59M85.53M90.60M76.62M88.97M100.19M115.84M125.34M131.59M131.97M129.89M137.78M122.03M152.41M138.94M167.38M182.79M179.47M188.36M187.49M186.01M188.44M197.37M244.45M299.76M301.40M249.32M262.38M275.28M341.71M
Cash12.41M13.59M14.97M14.25M16.10M18.06M13.82M16.04M14.90M15.17M18.95M26.45M27.16M31.66M24.03M92.06M46.30M60.58M59.84M44.62M36.05M36.06M32.11M40.24M37.49M35.20M101.86M104.95M55.05M56.88M126.17M46.06M
Total Debt98.50M85.00M104.25M70.46M72.10M124.06M95.30M183.65M251.85M272.95M305.00M266.94M228.44M300.13M285.47M235.47M166.91M135.26M89.38M96.72M78.60M92.26M64.63M70.95M48.77M144.85M91.18M77.56M181.78M211.76M207.67M193.05M
Net Debt86.09M71.41M89.28M56.21M56.00M106.00M81.47M167.61M236.95M257.78M286.05M240.49M201.28M268.47M261.44M143.41M120.61M74.69M23.98M52.10M37.01M56.20M32.52M30.71M11.28M109.64M-10.67M-27.39M126.73M154.88M81.50M147.00M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow9.18M9.09M11.00M10.82M10.60M8.52M7.41M9.30M12.60M14.59M14.91M14.12M10.13M9.95M18.12M12.97M35.05M37.46M27.65M30.57M22.28M19.69M18.51M19.37M25.89M22.46M24.78M34.84M34.60M33.55M33.03M32.00M
Investing Cash Flow-3.69M-21.47M-26.17M4.03M-30.02M-77.86M-6.39M-136.78M-139.76M-46.53M-54.47M-4.32M35.82M-22.57M-27.26M-628.00K-57.88M2.92M34.64M8.88M-9.49M18.41M-29.40M-30.91M-21.65M22.67M96.58M-103.89M-234.69M-53.20M-20.94M196.00K
Financing Cash Flow-6.21M13.56M16.55M-15.58M21.30M71.27M-5.25M129.70M126.03M32.21M43.35M-2.30M-45.24M17.13M1.51M55.70M-22.93M-29.87M-64.09M-55.88M-19.77M-36.40M6.20M19.91M-8.42M-46.83M-56.47M68.88M151.94M24.73M58.70M-111.07M
Capital Expenditure2.11M637.00K582.00K834.00K1.50M1.55M2.43M1.94M1.71M3.36M5.83M6.71M3.52M2.42M998.00K1.25M707.00K998.00K1.62M801.00K801.00K1.04M1.58M1.70M1.17M2.87M3.14M1.86M3.29M2.27M1.91M1.91M
Free Cash Flow7.07M8.45M10.42M9.99M9.10M6.98M4.98M7.36M10.88M11.23M9.08M7.40M6.61M7.53M17.12M11.71M34.34M36.47M26.03M29.77M21.48M18.65M16.93M17.68M24.73M19.59M21.65M32.98M31.31M31.28M31.13M30.10M
Dividends Paid3.02M3.23M3.46M3.74M4.19M4.64M4.99M5.44M6.04M6.67M7.14M7.56M7.95M8.25M7.68M8.41M5.25M6.23M9.06M10.92M11.39M11.24M11.11M11.14M11.75M14.04M14.47M15.98M15.87M15.57M15.53M16.29M
FCF to OCF76.98%92.99%94.71%92.29%85.85%81.85%67.25%79.18%86.41%76.97%60.89%52.45%65.28%75.71%94.49%90.34%97.98%97.34%94.13%97.38%96.41%94.72%91.46%91.24%95.49%87.22%87.34%94.65%90.50%93.25%94.23%94.05%
Dividend Paid to FCF42.76%38.18%33.19%37.49%46.02%66.49%100.10%73.92%55.48%59.43%78.65%102.09%120.12%109.54%44.85%71.83%15.29%17.08%34.81%36.67%53.04%60.30%65.63%63.05%47.51%71.67%66.84%48.44%50.67%49.77%49.89%54.13%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007May 7, 2008Sep 3, 2008Dec 3, 2008Feb 25, 2009May 1, 2009Aug 7, 2009Nov 9, 2009Jan 25, 2010May 7, 2010Aug 6, 2010Oct 15, 2010Jan 18, 2011Apr 15, 2011Jul 15, 2011Oct 14, 2011Jan 17, 2012May 8, 2012Jul 16, 2012Oct 12, 2012Jan 14, 2013Apr 12, 2013Jul 12, 2013Oct 11, 2013Jan 13, 2014Apr 11, 2014Jul 11, 2014Nov 7, 2014Jan 14, 2015May 8, 2015Aug 7, 2015Oct 13, 2015Jan 13, 2016Apr 13, 2016Jul 13, 2016Oct 17, 2016Jan 19, 2017Apr 20, 2017Jul 20, 2017Oct 19, 2017Jan 18, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 17, 2019Apr 18, 2019Jul 18, 2019Oct 17, 2019Jan 16, 2020May 7, 2020Jul 16, 2020Oct 22, 2020Jan 21, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 20, 2022Apr 21, 2022Aug 5, 2022Oct 20, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 18, 2024Apr 25, 2024Jul 18, 2024Oct 17, 2024Jan 23, 2025Apr 23, 2025Jul 24, 2025Oct 23, 2025Jan 28, 2026May 8, 2026Aug 7, 2026Oct 22, 2026
EPS Estimate------------------------------------------0.17-0.09-0.29-0.060.390.370.340.380.380.390.450.480.460.470.480.430.470.420.430.430.370.360.300.350.310.340.360.350.290.330.340.330.270.330.340.330.290.390.430.420.360.430.440.420.350.310.360.420.450.480.460.490.400.440.470.480.420.390.400.390.340.370.450.450.440.470.530.590.580.630.68
EPS Actual0.320.420.300.320.330.300.250.260.220.270.270.380.400.380.450.450.440.430.480.460.460.510.440.440.400.480.390.390.390.360.330.380.390.320.290.220.320.360.350.420.110.24-0.82-1.01-3.170.420.340.370.340.390.450.470.490.510.460.460.450.480.380.400.380.340.340.330.340.350.310.360.350.330.290.320.340.350.280.340.320.340.360.420.420.460.410.460.400.420.310.450.500.510.550.440.470.460.440.480.290.500.400.390.500.280.350.400.410.530.410.400.470.570.020.79-
Surprise-------------------------------------------582.35%-1022.22%-993.10%800.00%-12.82%0.00%0.00%2.63%18.42%20.51%8.89%6.25%0.00%-2.13%-6.25%11.63%-19.15%-4.76%-11.63%-20.93%-8.11%-8.33%13.33%0.00%0.00%5.88%-2.78%-5.71%0.00%-3.03%0.00%6.06%3.70%3.03%-5.88%3.03%24.14%7.69%-2.33%9.52%13.89%6.98%-9.09%0.00%-11.43%45.16%38.89%21.43%22.22%-8.33%2.17%-6.12%10.00%9.09%-38.30%4.17%-4.76%0.00%25.00%-28.21%2.94%8.11%-8.89%17.78%-6.82%-14.89%-11.32%-3.39%-96.55%25.40%-
Timing-------------------------------------------------Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hours

Key Statistics & Ratios

Market Cap460.93M
Enterprise Value548.43M
Trailing P/E17.48
Forward P/E11.19
PEG Ratio1.21
Price / Sales3.62
Price / Book1.33
EPS1.47
Book Value19.29
Revenue (TTM)127.27M
Gross Profit (TTM)127.27M
Profit Margin19.92%
Operating Margin42.23%
Return on Equity8.02%
Return on Assets0.88%
Shares Outstanding17.93M
Shares Float17.02M
Beta0.39
Dividend Yield4.39%
Dividend Rate1.12
Payout Ratio60.54%

Analyst Ratings

Hold
Based on 1 analystsTarget 27.00
  • Hold
    1

Ownership Breakdown

Institutions
33.91%
Insiders
4.20%
Retail / Other
61.89%

Top Institutional Holders

  • BlackRock Inc
    1.19M6.62%
  • Vanguard Capital Management, LLC
    725.12K4.04%
  • Dimensional Fund Advisors, Inc.
    637.12K3.55%
  • Geode Capital Management, LLC
    420.50K2.34%
  • Citizens & Northern Corp
    349.49K1.95%
  • State Street Corp
    335.36K1.87%
  • Northern Trust Corp
    137.97K0.77%
  • Vanguard Fiduciary Trust Co
    119.24K0.66%
  • Bank of New York Mellon Corp
    114.72K0.64%
  • Pennsylvania Capital Management Inc
    99.97K0.56%
  • Vanguard Portfolio Management, LLC
    98.87K0.55%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    540.30K3.01%
  • iShares Russell 2000 ETF
    451.63K2.52%
  • Fidelity Small Cap Index
    195.93K1.09%
  • iShares Russell 2000 Value ETF
    180.65K1.01%
  • DFA US Targeted Value I
    107.18K0.60%
  • Vanguard Russell 2000 ETF
    100.73K0.56%
  • Dimensional US Targeted Value ETF
    88.75K0.49%
  • Fidelity Extended Market Index
    88.33K0.49%
  • DFA US Small Cap I
    75.07K0.42%

Dividends

20264×
0.30Nov 2, 20260.28Aug 3, 20260.28May 4, 20260.28Feb 2, 2026
20254×
0.28Nov 3, 20250.28Aug 4, 20250.28May 2, 20250.28Feb 3, 2025
20244×
0.28Oct 28, 20240.28Jul 29, 20240.28May 3, 20240.28Jan 26, 2024
20234×
0.28Oct 27, 20230.28Jul 28, 20230.28Apr 28, 20230.28Feb 2, 2023
20224×
0.28Oct 28, 20220.28Jul 29, 20220.28Apr 29, 20220.28Jan 28, 2022
20214×
0.28Oct 29, 20210.28Jul 30, 20210.28Apr 30, 20210.27Jan 29, 2021

Stock Splits

  • Dec 28, 2007101:100
  • Dec 28, 2006101:100
  • Dec 27, 2005101:100
  • Dec 28, 2004101:100
  • Dec 24, 2003101:100
  • Apr 22, 20033:2
  • Dec 26, 2002101:100
  • Jan 2, 2002101:100
  • Nov 22, 2000101:100
  • Nov 24, 1999101:100
  • Nov 25, 1998101:100
  • Nov 26, 1997101:100
  • Nov 27, 1996101:100
  • Nov 28, 1995101:100