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How to buy Citizens-and-Northern stock
Learn how to easily invest in Citizens-and-Northern stock.
Citizens & Northern Corp is a banks-regional business based in the US. Citizens-and-Northern shares (CZNC) are listed on the NASDAQ and all prices are listed in US Dollars. Citizens-and-Northern employs 405 staff and has a trailing 12-month revenue of around $100.7 million.
How to buy shares in Citizens-and-Northern
- Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
- Open your brokerage account. Complete an application with your details.
- Confirm your payment details. Fund your account.
- Research the stock. Find the stock by name or ticker symbol – CZNC – and research it before deciding if it's a good investment for you.
- Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
- Check in on your investment. Optimize your portfolio by tracking your stock.
What's in this guide?
Citizens-and-Northern stock price (NASDAQ: CZNC)Use our graph to track the performance of CZNC stocks over time.
Citizens-and-Northern shares at a glance
|Latest market close||$24.09|
|52-week range||$22.95 - $27.05|
|50-day moving average||$24.40|
|200-day moving average||$24.71|
|Wall St. target price||$28.00|
|Dividend yield||$1.12 (4.63%)|
|Earnings per share (TTM)||$1.85|
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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.
Is it a good time to buy Citizens-and-Northern stock?
The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Citizens-and-Northern price performance over time
|1 week (2022-09-29)||-2.82%|
|1 month (2022-09-06)||-0.37%|
|3 months (2022-07-06)||-0.12%|
|6 months (2022-04-06)||-0.86%|
|1 year (2021-10-06)||-6.01%|
|2 years (2020-10-06)||47.25%|
|3 years (2019-10-04)||25.55|
|5 years (2017-10-06)||25.36|
Is Citizens-and-Northern stock undervalued or overvalued?
Valuing Citizens-and-Northern stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens-and-Northern's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Citizens-and-Northern's P/E ratio
Citizens-and-Northern's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, Citizens-and-Northern shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||$100.7 million|
|Operating margin TTM||35.18%|
|Gross profit TTM||$100.2 million|
|Return on assets TTM||1.23%|
|Return on equity TTM||10.34%|
|Market capitalisation||$374.6 million|
TTM: trailing 12 months
Citizens-and-Northern share dividends
Dividend payout ratio: 60.53% of net profits
Recently Citizens-and-Northern has paid out, on average, around 60.53% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.63% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Citizens-and-Northern shareholders could enjoy a 4.63% return on their shares, in the form of dividend payments. In Citizens-and-Northern's case, that would currently equate to about $1.12 per share.
Citizens-and-Northern's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Citizens-and-Northern's most recent dividend payout was on 11 August 2022. The latest dividend was paid out to all shareholders who bought their shares by 28 July 2022 (the "ex-dividend date").
Have Citizens-and-Northern's shares ever split?
Citizens-and-Northern's shares were split on a 101:100 basis on 27 December 2007. So if you had owned 100 shares the day before before the split, the next day you'd have owned 101 shares. This wouldn't directly have changed the overall worth of your Citizens-and-Northern shares – just the quantity. However, indirectly, the new 1% lower share price could have impacted the market appetite for Citizens-and-Northern shares which in turn could have impacted Citizens-and-Northern's share price.
Citizens-and-Northern share price volatility
Over the last 12 months, Citizens-and-Northern's shares have ranged in value from as little as $22.9466 up to $27.0486. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Citizens-and-Northern's is 0.3664. This would suggest that Citizens-and-Northern's shares are less volatile than average (for this exchange).
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania. .
Frequently asked questionsWhat percentage of Citizens-and-Northern is owned by insiders or institutions?
Currently 3.334% of Citizens-and-Northern shares are held by insiders and 28.8% by institutions. How many people work for Citizens-and-Northern?
Latest data suggests 405 work at Citizens-and-Northern. When does the fiscal year end for Citizens-and-Northern?
Citizens-and-Northern's fiscal year ends in December. Where is Citizens-and-Northern based?
Citizens-and-Northern's address is: 90-92 Main Street, Wellsboro, PA, United States, 16901 What is Citizens-and-Northern's ISIN number?
Citizens-and-Northern's international securities identification number is: US1729221069 What is Citizens-and-Northern's CUSIP number?
Citizens-and-Northern's Committee on Uniform Securities Identification Procedures number is: 172922106
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