Citizens & Northern Stock (NASDAQ:CZNC)


RevenueOwnershipFinancialsChart

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$18.75

52W Range

$16.50 - $23.50

50D Avg

$19.38

200D Avg

$18.62

Market Cap

$290.30M

Avg Vol (3M)

$18.41K

Beta

0.44

Div Yield

$1.12 (7.42%)

CZNC Company Profile


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.

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Industry

Banks - Regional

Sector

Financial Services

Exchange

NASDAQ

ADR

-

Country

US

Employees

404

IPO Date

Apr 05, 1994

Website

CZNC Performance


Revenue Breakdown


Revenue Breakdown by Product/Service

Product/ServiceDec 23Dec 22Dec 21
Deposit Account$5.57M$5.02M$4.63M
Debit Card$4.16M$4.15M$3.85M
Bank Servicing$602.00K$960.00K$694.00K
Trust and Asset Management--$7.23M

Fiscal year ends in Dec 23 | Currency in USD

CZNC Financial Summary


Dec 23Dec 22Dec 21
Revenue$137.92M$105.96M$103.82M
Operating Income$114.93M$41.87M$37.69M
Net Income$24.15M$26.62M$30.55M
EBITDA$2.37M$44.26M$39.82M
Basic EPS$1.57$1.70$1.92
Diluted EPS$1.57$1.70$1.92

Fiscal year ends in Dec 23 | Currency in USD

Peer Comparison


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CVCYCentral Valley Community Bancorp