CZNC RSI Chart
Last 7 days
5.0%
Last 30 days
10.2%
Last 90 days
-3.5%
Trailing 12 Months
-3.4%
Historical Charts for Stock Metrics
Year | Q1 | Q2 | Q3 | Q4 |
---|---|---|---|---|
2024 | 117.7M | 0 | 0 | 0 |
2023 | 97.0M | 103.7M | 109.1M | 113.5M |
2022 | 84.5M | 85.4M | 88.0M | 92.6M |
2021 | 81.9M | 85.8M | 85.1M | 84.5M |
2020 | 68.7M | 68.1M | 72.6M | 77.2M |
2019 | 51.5M | 56.3M | 60.8M | 64.8M |
2018 | 46.6M | 47.6M | 48.8M | 50.3M |
2017 | 44.3M | 44.7M | 45.2M | 45.9M |
2016 | 44.3M | 44.0M | 44.0M | 44.1M |
2015 | 45.8M | 45.4M | 45.0M | 44.5M |
2014 | 47.7M | 46.9M | 46.4M | 46.0M |
2013 | 54.5M | 52.3M | 50.5M | 48.9M |
2012 | 60.7M | 59.8M | 58.3M | 56.6M |
2011 | 61.7M | 61.7M | 61.6M | 61.3M |
2010 | 0 | 66.0M | 64.1M | 62.1M |
2009 | 0 | 0 | 0 | 68.0M |
Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index
Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>
Returns of $10,000 invested in:
Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224
Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
May 03, 2024 | pellegrino frank g | bought | 5,041 | 17.878 | 282 | - |
May 03, 2024 | shattuck katherine w | bought | 2,842 | 17.878 | 159 | - |
Apr 08, 2024 | shattuck katherine w | bought | 8,455 | 18.1065 | 467 | - |
Apr 08, 2024 | loughery robert g | bought | 4,961 | 18.1065 | 274 | - |
Apr 08, 2024 | pellegrino frank g | bought | 8,854 | 18.1065 | 489 | - |
Mar 08, 2024 | shattuck katherine w | bought | 1,688 | 17.9677 | 94.00 | - |
Mar 08, 2024 | pellegrino frank g | bought | 1,688 | 17.9677 | 94.00 | - |
Feb 20, 2024 | james glenn richard | acquired | 7,200 | 19.2 | 375 | evp counsel, corp secretary |
Which funds bought or sold CZNC recently?
View All DetailsDatesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
May 16, 2024 | CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | reduced | -38.89 | -26,955 | 28,245 | -% |
May 15, 2024 | Evergreen Wealth Solutions, LLC | added | 0.14 | -60,614 | 314,633 | 0.23% |
May 15, 2024 | DEUTSCHE BANK AG\ | added | 16.15 | -4,176 | 147,742 | -% |
May 15, 2024 | STATE STREET CORP | added | 0.36 | -1,091,100 | 5,739,940 | -% |
May 15, 2024 | MORGAN STANLEY | reduced | -26.67 | -311,624 | 495,642 | -% |
May 15, 2024 | BANK OF AMERICA CORP /DE/ | reduced | -38.76 | -278,520 | 293,112 | -% |
May 15, 2024 | BARCLAYS PLC | reduced | -49.66 | -265,000 | 193,000 | -% |
May 15, 2024 | QSV Equity Investors LLC | added | 0.19 | -186,803 | 972,447 | 0.94% |
May 15, 2024 | Stone House Investment Management, LLC | new | - | 1,447,260 | 1,447,260 | 0.34% |
May 15, 2024 | Cetera Advisor Networks LLC | reduced | - | -160,264 | 824,480 | -% |
Unveiling Citizens & Northern Corp's Major ShareHolders
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Peers (Alternatives to Citizens & Northern Corp)
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
JPM | 588.1B | 174.7B | 11.68 | 3.37 | ||||
BAC | 307.4B | 137.9B | 12.28 | 2.23 | ||||
WFC | 213.0B | 85.8B | 11.35 | 2.48 | ||||
C | 122.2B | 125.0B | 15.29 | 0.98 | ||||
CFG | 16.9B | 10.4B | 11.81 | 1.62 | ||||
KEY | 14.5B | 8.1B | 16.61 | 1.78 | ||||
MID-CAP | ||||||||
CMA | 7.3B | 4.2B | 10.46 | 1.71 | ||||
ZION | 6.6B | 4.1B | 10.55 | 1.63 | ||||
ABCB | 3.5B | 1.3B | 12.32 | 2.65 | ||||
ASB | 3.4B | 2.0B | 20.88 | 1.65 | ||||
SMALL-CAP | ||||||||
AMNB | 497.6M | 120.2M | 19.02 | 4.14 | ||||
AROW | 417.1M | 173.1M | 14.3 | 2.41 | ||||
ALRS | 390.4M | 152.4M | 39.27 | 2.56 | ||||
ACNB | 295.5M | 98.7M | 10.04 | 2.99 | ||||
ASRV | 48.0M | 62.5M | -16.24 | 0.77 |
Citizens & Northern Corp News
Income Statement (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Revenue | 0.3% | 30.00 | 30.00 | 29.00 | 28.00 | 26.00 | 26.00 | 24.00 | 21.00 | 22.00 | 21.00 | 21.00 | 20.00 | 22.00 | 22.00 | 22.00 | 17.00 | 17.00 | 17.00 | 17.00 | 17.00 | 13.00 |
EBITDA Margin | -6.1% | 0.93* | 1.00* | 1.09* | 1.13* | 1.21* | 1.27* | 1.30* | 1.37* | 1.37* | 1.39* | 1.38* | 1.30* | 1.28* | - | - | - | - | - | - | - | - |
Interest Expenses | -2.8% | 19.00 | 20.00 | 20.00 | 20.00 | 21.00 | 22.00 | 21.00 | 20.00 | 20.00 | 20.00 | 19.00 | 19.00 | 20.00 | 20.00 | 19.00 | 14.00 | 14.00 | 14.00 | 14.00 | 14.00 | 12.00 |
Income Taxes | -30.6% | 1.00 | 2.00 | 2.00 | 1.00 | 1.00 | 2.00 | 1.00 | 2.00 | 1.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.00 | 0.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
Earnings Before Taxes | 9.1% | 6.00 | 6.00 | 9.00 | 7.00 | 8.00 | 10.00 | 5.00 | 9.00 | 8.00 | 9.00 | 9.00 | 9.00 | 11.00 | 8.00 | 3.00 | 7.00 | 5.00 | 7.00 | 6.00 | 4.00 | 6.00 |
EBT Margin | -7.4% | 0.25* | 0.27* | 0.31* | 0.29* | 0.33* | 0.35* | 0.36* | 0.41* | 0.42* | 0.45* | 0.43* | 0.36* | 0.36* | - | - | - | - | - | - | - | - |
Net Income | 24.5% | 5.00 | 4.00 | 8.00 | 6.00 | 6.00 | 8.00 | 4.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 9.00 | 7.00 | 3.00 | 5.00 | 4.00 | 5.00 | 5.00 | 4.00 | 5.00 |
Net Income Margin | -7.3% | 0.20* | 0.21* | 0.25* | 0.24* | 0.27* | 0.29* | 0.30* | 0.34* | 0.34* | 0.36* | 0.35* | 0.30* | 0.29* | - | - | - | - | - | - | - | - |
Free Cashflow | -27.4% | 5.00 | 7.00 | 8.00 | 8.00 | 9.00 | 8.00 | 12.00 | 7.00 | 5.00 | 9.00 | 9.00 | 9.00 | 5.00 | - | - | - | - | - | - | - | - |
Balance Sheet | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Assets | 0.2% | 2,522 | 2,516 | 2,484 | 2,471 | 2,430 | 2,454 | 2,400 | 2,411 | 2,330 | 2,328 | 2,355 | 2,339 | 2,334 | 2,239 | 2,353 | 1,745 | 1,629 | 1,654 | 1,643 | 1,610 | 1,290 |
Cash Equivalents | -18.3% | 46.00 | 57.00 | 53.00 | 52.00 | 52.00 | 55.00 | 64.00 | 69.00 | 114 | 105 | 199 | 209 | 207 | 102 | 174 | 78.00 | 33.00 | 35.00 | 51.00 | 40.00 | 44.00 |
Net PPE | 1.0% | 22.00 | 22.00 | 21.00 | 21.00 | 21.00 | 22.00 | 22.00 | 22.00 | 21.00 | 21.00 | 21.00 | 21.00 | 21.00 | 22.00 | 22.00 | 18.00 | 18.00 | 17.00 | 16.00 | 16.00 | 15.00 |
Goodwill | 0% | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 53.00 | 24.00 | 28.00 | 28.00 | 29.00 | 29.00 | 16.00 |
Liabilities | 0.3% | 2,260 | 2,253 | 2,244 | 2,223 | 2,174 | 2,205 | 2,161 | 2,152 | 2,054 | 2,026 | 2,055 | 2,035 | 2,034 | 1,939 | 2,056 | 1,490 | 1,378 | 1,410 | 1,400 | 1,370 | 1,088 |
Short Term Borrowings | 44.2% | 49.00 | 34.00 | 23.00 | 31.00 | 93.00 | 80.00 | 2.00 | 90.00 | 2.00 | 2.00 | 2.00 | 2.00 | 10.00 | 20.00 | 41.00 | 14.00 | 38.00 | 86.00 | 21.00 | 27.00 | 5.00 |
Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 33.00 |
Shareholder's Equity | -0.3% | 262 | 262 | 240 | 248 | 256 | 249 | 239 | 259 | 276 | 301 | 299 | 304 | 300 | 300 | 296 | 256 | 251 | 244 | 243 | 240 | 202 |
Retained Earnings | 0.7% | 158 | 157 | 157 | 154 | 152 | 152 | 148 | 148 | 145 | 143 | 140 | 137 | 134 | 130 | 127 | 129 | 127 | 126 | 125 | 123 | 123 |
Additional Paid-In Capital | -1.0% | 143 | 144 | 144 | 144 | 143 | 144 | 144 | 143 | 143 | 144 | 144 | 144 | 143 | 144 | 143 | 104 | 104 | 105 | 104 | 104 | 72.00 |
Shares Outstanding | 0.5% | 15.00 | 15.00 | 15.00 | 15.00 | 15.00 | 16.00 | 16.00 | 15.00 | 16.00 | 16.00 | 16.00 | 16.00 | - | - | - | - | - | - | - | - | - |
Float | - | - | - | - | 286 | - | - | - | 358 | - | - | - | 378 | - | - | - | 275 | - | - | - | 348 | - |
Cashflow (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Cashflow From Operations | -26.0% | 5,729 | 7,747 | 8,458 | 7,794 | 9,549 | 8,058 | 12,524 | 8,369 | 5,648 | 9,709 | 9,724 | 9,698 | 5,713 | 10,184 | 8,843 | 1,630 | 4,127 | 6,185 | 8,692 | 4,764 | 2,820 |
Cashflow From Investing | -45.0% | -18,623 | -12,846 | -18,967 | -47,895 | 26,506 | -54,440 | -19,710 | -142,418 | -18,120 | -74,245 | -28,683 | -12,976 | 12,009 | 42,632 | 87,725 | -61,084 | 27,307 | -34,620 | -17,699 | 62,450 | 12,537 |
Cashflow From Financing | -74.3% | 2,464 | 9,569 | 12,655 | 40,151 | -37,641 | 38,636 | 2,293 | 89,140 | 21,870 | -29,771 | 8,094 | 4,993 | 85,566 | -124,947 | -2,232 | 104,668 | -33,958 | 12,674 | 20,945 | -71,711 | -8,742 |
Dividend Payments | -100.0% | - | 3,866 | 3,851 | 3,901 | 3,951 | 3,944 | 3,938 | 3,966 | 4,017 | 3,996 | 4,015 | 4,053 | 3,912 | 3,901 | 3,898 | 3,342 | 3,328 | 3,328 | 3,327 | 3,324 | 4,062 |
Buy Backs | - | - | - | - | - | - | - | - | - | - | - | - | 1,531 | 157 | - | - | - | 163 | - | - | - | 189 |
Consolidated Statements of Income - USD ($) $ in Thousands | 3 Months Ended | |
---|---|---|
Mar. 31, 2024 | Mar. 31, 2023 | |
Interest and fees on loans: | ||
Taxable | $ 26,703 | $ 22,431 |
Tax-exempt | 545 | 571 |
Income from available-for-sale debt securities: | ||
Taxable | 2,136 | 2,211 |
Tax-exempt | 553 | 640 |
Other interest and dividend income | 399 | 286 |
Total interest and dividend income | 30,336 | 26,139 |
INTEREST EXPENSE | ||
Interest on deposits | 8,891 | 3,230 |
Interest on short-term borrowings | 597 | 1,097 |
Interest on long-term borrowings - FHLB advances | 1,456 | 681 |
Interest on senior notes, net | 120 | 120 |
Interest on subordinated debt, net | 231 | 230 |
Total interest expense | 11,295 | 5,358 |
Net interest income | 19,041 | 20,781 |
Provision (credit) for credit losses | 954 | (352) |
Net interest income after provision (credit) for credit losses | 18,087 | 21,133 |
NONINTEREST INCOME | ||
Trust revenue | 1,897 | 1,777 |
Brokerage and insurance revenue | 539 | 430 |
Net gains from sale of loans | 191 | 74 |
Increase in cash surrender value of life insurance | 470 | 138 |
Other noninterest income | 1,017 | 771 |
Realized gains on available-for-sale debt securities, net | 0 | 7 |
Total noninterest income | 6,675 | 5,616 |
NONINTEREST EXPENSE | ||
Salaries and employee benefits | 11,562 | 11,427 |
Net occupancy and equipment expense | 1,450 | 1,402 |
Data processing and telecommunications expense | 1,992 | 1,936 |
Automated teller machine and interchange expense | 487 | 475 |
Pennsylvania shares tax | 433 | 403 |
Professional fees | 518 | 937 |
Other noninterest expense | 1,862 | 2,507 |
Total noninterest expense | 18,304 | 19,087 |
Income before income tax provision | 6,458 | 7,662 |
Income tax provision | 1,152 | 1,409 |
NET INCOME | $ 5,306 | $ 6,253 |
EARNINGS PER COMMON SHARE - BASIC (in dollars per share) | $ 0.35 | $ 0.40 |
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share) | $ 0.35 | $ 0.40 |
Service charges on deposit accounts | ||
NONINTEREST INCOME | ||
Revenue | $ 1,318 | $ 1,290 |
Interchange revenue from debit card transactions | ||
NONINTEREST INCOME | ||
Revenue | 1,013 | 1,007 |
Loan servicing fees, net | ||
NONINTEREST INCOME | ||
Revenue | $ 230 | $ 122 |
CONSOLIDATED BALANCE SHEETS - USD ($) | Mar. 31, 2024 | Dec. 31, 2023 |
---|---|---|
Cash and due from banks: | ||
Noninterest-bearing | $ 18,084,000 | $ 24,855,000 |
Interest-bearing | 28,364,000 | 32,023,000 |
Total cash and due from banks | 46,448,000 | 56,878,000 |
Available-for-sale debt securities, at fair value | 405,094,000 | 415,755,000 |
Loans receivable | 1,872,449,000 | 1,848,139,000 |
Allowance for credit losses | (20,023,000) | (19,208,000) |
Loans, net | 1,852,426,000 | 1,828,931,000 |
Bank-owned life insurance | 49,857,000 | 63,674,000 |
Accrued interest receivable | 9,465,000 | 9,140,000 |
Bank premises and equipment, net | 21,852,000 | 21,632,000 |
Foreclosed assets held for sale | 456,000 | 478,000 |
Deferred tax asset, net | 17,703,000 | 17,441,000 |
Goodwill | 52,505,000 | 52,505,000 |
Core deposit intangibles, net | 2,372,000 | 2,469,000 |
Other assets | 63,359,000 | 46,681,000 |
TOTAL ASSETS | 2,521,537,000 | 2,515,584,000 |
Deposits: | ||
Noninterest-bearing | 493,962,000 | 490,554,000 |
Interest-bearing | 1,501,941,000 | 1,524,252,000 |
Total deposits | 1,995,903,000 | 2,014,806,000 |
Short-term borrowings | 48,831,000 | 33,874,000 |
Long-term borrowings - FHLB advances | 148,824,000 | 138,337,000 |
Senior notes, net | 14,848,000 | 14,831,000 |
Subordinated debt, net | 24,745,000 | 24,717,000 |
Accrued interest and other liabilities | 26,730,000 | 26,638,000 |
TOTAL LIABILITIES | 2,259,881,000 | 2,253,203,000 |
STOCKHOLDERS' EQUITY | ||
Preferred stock, $1,000 par value; authorized 30,000 shares; $1,000 liquidation preference per share; no shares issued | 0 | 0 |
Common stock, par value $1.00 per share; authorized 30,000,000 shares; issued 16,030,172 and outstanding 15,378,065 at March 31, 2024; issued 16,030,172 and outstanding 15,295,135 at December 31, 2023 | 16,030,000 | 16,030,000 |
Paid-in capital | 143,016,000 | 144,388,000 |
Retained earnings | 158,051,000 | 157,028,000 |
Treasury stock, at cost; 652,107 shares at March 31, 2024 and 735,037 shares at December 31, 2023 | (14,735,000) | (16,628,000) |
Accumulated other comprehensive loss | (40,706,000) | (38,437,000) |
TOTAL STOCKHOLDERS' EQUITY | 261,656,000 | 262,381,000 |
TOTAL LIABILITIES & STOCKHOLDERS' EQUITY | $ 2,521,537,000 | $ 2,515,584,000 |