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Citizens & Northern Corp (CZNC)

(Delayed Data from NSDQ)

$17.85 USD

17.85
16,020

-0.03 (-0.17%)

Updated Apr 24, 2024 04:00 PM ET

After-Market: $17.90 +0.05 (0.28%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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C Value F Growth B Momentum D VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Bottom 38% (156 out of 252)

Industry: Banks - Northeast

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Better trading starts here.

Balance Sheet

Research for CZNC

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

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Fiscal Year End for Citizens & Northern Corp falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 57 55 105 103 36
Receivables 1,838 1,732 1,559 1,641 1,177
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 1 1
Other Current Assets 0 0 0 0 0
Total Current Assets 1,895 1,787 1,664 1,745 1,214
Net Property & Equipment 22 22 21 22 17
Investments & Advances 416 498 518 349 347
Other Non-Current Assets 0 0 1 1 3
Deferred Charges 17 21 6 3 3
Intangibles 55 55 56 56 30
Deposits & Other Assets 110 71 63 63 41
Total Assets 2,516 2,454 2,328 2,239 1,654
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 34 80 2 20 86
Accounts Payable 2,015 1,998 1,925 1,820 1,253
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 27 26 24 28 12
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 2,075 2,103 1,950 1,868 1,351
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 178 102 76 71 59
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 0 0 0 0 0
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 2,253 2,205 2,026 1,939 1,410
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 16 16 16 16 14
Capital Surplus 144 144 144 144 105
Retained Earnings 157 152 143 130 126
Other Equity -38 -50 5 12 4
Treasury Stock 17 13 7 1 4
Total Shareholder's Equity 262 249 301 300 244
Total Liabilities & Shareholder's Equity 2,516 2,454 2,328 2,239 1,654
Total Common Equity 262 249 301 300 244
Shares Outstanding 15.20 15.50 15.70 15.80 12.30
Book Value Per Share 17.26 16.09 19.20 18.97 19.87

Fiscal Year End for Citizens & Northern Corp falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -99,999 57 53 52 52
Receivables NA 1,838 1,822 1,804 1,736
Notes Receivable NA 0 0 0 0
Inventories NA 0 0 0 0
Other Current Assets NA 0 0 0 0
Total Current Assets NA 1,895 1,875 1,856 1,788
Net Property & Equipment NA 22 21 21 21
Investments & Advances NA 416 429 446 473
Other Non-Current Assets NA 0 1 0 0
Deferred Charges NA 17 24 21 19
Intangibles NA 55 55 55 55
Deposits & Other Assets NA 110 80 72 73
Total Assets NA 2,516 2,484 2,471 2,430
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable NA 34 23 31 93
Accounts Payable NA 2,015 2,025 2,010 1,916
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 27 31 26 27
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 2,075 2,079 2,068 2,036
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 178 165 155 138
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 0 0 0
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 2,253 2,244 2,223 2,174
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 0 0 0 0
Common Stock (Par) NA 16 16 16 16
Capital Surplus NA 144 144 144 143
Retained Earnings NA 157 157 154 152
Other Equity NA -38 -60 -48 -43
Treasury Stock NA 17 17 17 13
Total Shareholder's Equity NA 262 240 248 256
Total Liabilities & Shareholder's Equity NA 2,516 2,484 2,471 2,430
Total Common Equity 0 262 240 248 256
Shares Outstanding 15.30 15.20 15.20 15.30 15.50
Book Value Per Share 0.00 17.26 15.80 16.22 16.49