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CZNC NASDAQ US

Citizens & Northern Corp - Common Stock

Financials · Banking Situs Web · IPO Okt 1993
$22,42
▲ +$0,04 (+0,18%)
Vol 37K
11
Skor Kualitas
ok
Pemeriksaan Mendalam
2/5 ok
Kap. Pasar
$359.1M
P/E
13,2
ROE
9,5%
Margin
25,6%
D/E
14,07
Beta
0,55
Imbal Hasil Dividen
5,55%
52W
$18–$23

Konsensus Wall Street

6 analis · Apr 2026
0
Beli Kuat
0
Beli
3
Tahan
1
Jual
2
Jual Kuat
0,0%
Peringkat Beli

Grafik Harga

Saham Serupa

COFS
ChoiceOne Financial Services Inc
P/E 20,7
$443.5M
BMRC
Bank of Marin Bancorp
P/E 42,4
$418.6M
PDLB
Ponce Financial Group Inc
P/E 18,3
$392.4M
FRBA
FIRST BANK (Hamilton)
P/E 9,9
$413.7M
GBFH
GBank Financial Holdings Inc
BWFG
Bankwell Financial Group Inc
P/E 12,4
$360.9M
BSVN
Bank7 Corp
P/E 8,9
$387.4M

Pendapatan

Tingkat beat: 0,0%
Kuartal EPS Estimasi EPS Aktual Kejutan
Des 2025 $0,60 $0,25 $-0,35
Sep 2025 $0,52 $0,42 $-0,10
Jun 2025 $0,47 $0,40 $-0,07
Mar 2025 $0,45 $0,41 $-0,04

Pendapatan & Laba Kuartalan

Kuartal 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Pendapatan — $27.7M $26.6M $28.9M $29.0M $36.3M
Laba Bersih — $8.2M $6.3M $6.1M $6.6M $4.5M

Tren Fundamental

Metrik 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 9.6% 9.6% 9.6% 9.6% 9.5% 9.5%
P/E (TTM) 10.89 11.40 11.34 12.78 13.23 13.23
Net Margin — 25.6% 25.6% 25.6% 25.6% 25.6%
Gross Margin — — — — — —
D/E Ratio 14.09 14.09 14.09 14.09 14.07 14.07
Current Ratio — — — — — —

Rasio Utama

ROA (TTM)
1,0%
P/S (TTM)
2,78
P/B
1,0
EPS (TTM)
$1,77
CF/Share
$1,98
Pertumbuhan Pendapatan 3T
+12,7%
52W High
$22,68
52W Low
$17,85
$17,85 Rentang 52 Minggu $22,68

Kesehatan Keuangan

Arus Kas Bebas
$10.1M
Utang Bersih
$141.8M
Kas
$46.1M
Total Utang
$187.9M
Per tanggal Des 31, 2025

Як CZNC виглядає на тлі конкурентів у Banking?

Група порівняння: Micro-cap Banking (All) · 289 компаній

CZNC ACNB AFBI AMAL AROW

Оцінка CZNC vs аналоги Banking

P/E
13,2
▲ 5% di atas rekan (12,6)
vs Rekan
vs Industri
Nilai wajar
P/S
2,8
▲ 20% di atas rekan (2,3)
vs Rekan
vs Industri
Overvalued
P/B
1,0
▼ 1% di bawah rekan (1,1)
vs Rekan
vs Industri
Nilai wajar
Дивідендна дохідність
5,6%
▲ 86% di atas rekan (3,0%)
vs Rekan
vs Industri
Yield kuat

Прибутковість CZNC vs аналоги Banking

ROE
9,5%
▲ 6% di atas rekan (9,0%)
vs Rekan
vs Industri
Sejajar
Net margin
25,6%
▼ 10% di bawah rekan (28,6%)
vs Rekan
vs Industri
Lemah
Валова маржа
—
—
vs Rekan
vs Industri
Lemah
ROA
1,0%
▲ 8% di atas rekan (1,0%)
vs Rekan
vs Industri
Sejajar

Фінансове здоровʼя CZNC vs аналоги Banking

D/E ratio
14,1
▲ 2% di atas rekan (13,8)
vs Rekan
vs Industri
Sejajar
Поточна ліквідність
—
▼ 0% di bawah rekan (0,1)
vs Rekan
vs Industri
Likuiditas rendah
Beta
0,6
▼ 21% di bawah rekan (0,7)
vs Rekan
vs Industri
Lebih volatil

Радар фундаменталів CZNC

CZNC Median rekan Industri

CZNC прибутковість vs борг

Розмір бульбашки = капіталізація · X = чиста маржа · Y = D/E ratio

CZNC vs аналоги: ключові метрики

Aktivitas Orang Dalam

Neutral
Pembelian
0
Penjualan
0
PELLEGRINO FRANK G
Director · Mar 06
185 shs
SHATTUCK KATHERINE W
Director · Feb 10
16 shs
SCOVILL J BRADLEY
Chief Executive Officer · Jan 30
10376 shs
HUGHES MARK A
Chief Financial Officer · Jan 30
4034 shs
REBER JOHN M
Officer · Jan 30
2840 shs
RUDY THOMAS L JR
Officer · Jan 30
2982 shs
RUDY THOMAS L JR
Officer · Jan 30
2982 shs
HOOSE HAROLD F III
Officer · Jan 30
4592 shs
DUNSMORE STAN R.
Officer · Jan 30
3134 shs
WATKINS TRACY ELLEN
Officer · Jan 30
2390 shs
Terakhir 90 hari

Pemegang Terbesar

Top 5: 19,3%
Blackrock Inc.
6,65%
$26.2M
Vanguard Group Inc
4,94%
$19.5M
Dimensional Fund Advisors LP
3,37%
$13.3M
Geode Capital Management, L…
2,32%
$9.2M
Citizens & Northern Corp
2,02%
$8.0M
Per tanggal Des 31, 2025

Dividen

$1,12
/ tahun
Feb 02, 2026 $0,2800
Nov 03, 2025 $0,2800
Agu 04, 2025 $0,2800
Mei 02, 2025 $0,2800
Feb 03, 2025 $0,2800
Okt 28, 2024 $0,2800
Jul 29, 2024 $0,2800
Mei 03, 2024 $0,2800

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