Stock Research: Citizens & Northern

Peer-based, data-driven stock research by Obermatt enables quick and easy due diligence for your stock investing.

Citizens & Northern

NasdaqCM:CZNC US1729221069
49
  • Value
    79
  • Growth
    29
  • Safety
    Safety
    75
  • Combined
    75
  • Sentiment
    19
  • 360° View
    360° View
    49
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Company Description

Citizens & Northern Corporation is a holding company primarily focused on community banking. It operates within the banking and financial services industries, offering deposit and loan products, wealth management services (including 401(k) plans, retirement and estate planning), and insurance products. The company primarily operates in Pennsylvania and New York. In the last fiscal year, the company had a market cap of $302 million and 386 employees. Financial data for profits and revenue is not available.

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Analysis

ANALYSIS: With an Obermatt 360° View of 49 (better than 49% compared with alternatives), overall professional sentiment and financial characteristics for the stock Citizens & Northern are below the industry average. The 360° View is based on consolidating four consolidated indicators, with half the metrics below and half above average for Citizens & Northern. The consolidated Value Rank has an attractive rank of 75, which means that the share price of Citizens & Northern is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means the stock price is lower than for 75% of alternative stocks in the same industry. The company is also safely financed with a Safety rank of 79. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 19. Professional investors are more confident in 81% other stocks. The consolidated Growth Rank also has a low rank of 29, which means that the company is below average in terms of growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. 71 of its competitors have better growth. ...read more

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Index
Dividends USA
Sound Pay USA
NASDAQ
The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 21-Aug-2025.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Growth
Shows a company's growth potential.
High Growth Tough Times
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2024 2023 2022
Value
75 75 29 37
Growth
29 3 53 74
Safety
Safety
79 100 58 61
Sentiment
19 21 61 75
360° View
360° View
49 50 44 77
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Metrics Current 2024 2023 2022
Analyst Opinions
1 1 33 72
Opinions Change
82 97 50 50
Pro Holdings
n/a 42 69 55
Market Pulse
18 6 70 58
Sentiment
19 21 61 75
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Metrics Current 2024 2023 2022
Value
75 75 29 37
Growth
29 3 53 74
Safety Safety
79 100 58 61
Combined
75 77 42 62
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
37 52 17 19
Price vs. Earnings (P/E)
69 65 45 44
Price vs. Book (P/B)
53 48 16 28
Dividend Yield
95 91 91 99
Value
75 75 29 37
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Metrics Current 2024 2023 2022
Revenue Growth
63 16 70 31
Profit Growth
44 47 55 26
Capital Growth
25 1 17 86
Stock Returns
31 29 59 81
Growth
29 3 53 74
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Metrics Current 2024 2023 2022
Leverage
48 57 59 44
Refinancing
74 73 79 71
Liquidity
63 83 37 51
Safety Safety
79 100 58 61

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