Stock Research: Citizens & Northern

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Citizens & Northern

NasdaqCM:CZNC US1729221069
48
  • Value
    80
  • Growth
    34
  • Safety
    Safety
    70
  • Combined
    76
  • Sentiment
    10
  • 360° View
    360° View
    48
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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 48 (better than 48% 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 70, 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 70% of alternative stocks in the same industry. The company is also safely financed with a Safety rank of 80. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 10. Professional investors are more confident in 90% other stocks. The consolidated Growth Rank also has a low rank of 34, 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. 66 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: 30-Oct-2025.

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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.

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Metrics Current 2024 2023 2022
Value
70 75 29 37
Growth
34 3 53 74
Safety
Safety
80 100 58 61
Sentiment
10 21 61 75
360° View
360° View
48 50 44 77
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Metrics Current 2024 2023 2022
Analyst Opinions
1 1 33 72
Opinions Change
1 97 50 50
Pro Holdings
n/a 42 69 55
Market Pulse
37 6 70 58
Sentiment
10 21 61 75
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Metrics Current 2024 2023 2022
Value
70 75 29 37
Growth
34 3 53 74
Safety Safety
80 100 58 61
Combined
76 77 42 62
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
61 52 17 19
Price vs. Earnings (P/E)
40 65 45 44
Price vs. Book (P/B)
55 48 16 28
Dividend Yield
94 91 91 99
Value
70 75 29 37
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Metrics Current 2024 2023 2022
Revenue Growth
61 16 70 31
Profit Growth
12 47 55 26
Capital Growth
26 1 17 86
Stock Returns
66 29 59 81
Growth
34 3 53 74
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Metrics Current 2024 2023 2022
Leverage
49 57 59 44
Refinancing
76 73 79 71
Liquidity
62 83 37 51
Safety Safety
80 100 58 61

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