Citizens & Northern Corp
NASDAQ:CZNC

Watchlist Manager

Citizens & Northern Corp

NASDAQ:CZNC

Watchlist

Dividends

Price: 18.48 USD 0.98% Market Closed

Market Cap: 286.3m USD

Have any thoughts about
Citizens & Northern Corp?

Write Note

Write Note Create Alert Ask AI

Add Note Why Create Notes?

Capture your thoughts

Note Buy Sell Hold Pass

US	Johnson & Johnson NYSE:JNJ	Pharmaceuticals
US	Berkshire Hathaway Inc NYSE:BRK.A	Financial Services
US	Bank of America Corp NYSE:BAC	Banking
US	Mastercard Inc NYSE:MA	Technology
US	UnitedHealth Group Inc NYSE:UNH	Health Care
US	Exxon Mobil Corp NYSE:XOM	Energy
US	Pfizer Inc NYSE:PFE	Pharmaceuticals
US	Palantir Technologies Inc NYSE:PLTR	Technology
US	Nike Inc NYSE:NKE	Textiles, Apparel & Luxury Goods
US	Visa Inc NYSE:V	Technology
CN	Alibaba Group Holding Ltd NYSE:BABA	Retail
US	JPMorgan Chase & Co NYSE:JPM	Banking
US	Coca-Cola Co NYSE:KO	Beverages
US	Walmart Inc NYSE:WMT	Retail
US	Verizon Communications Inc NYSE:VZ	Telecommunication
US	Chevron Corp NYSE:CVX	Energy

Add Price Alert

Price Target:

Last Price: 18.48 USD

We'll email you a reminder when the closing price reaches USD.

If you don’t study any companies, you have the same success buying stocks as you do in a poker game if you bet without looking at your cards.

Peter Lynch

Track and Analyze Performance

Utilize notes to systematically review your investment decisions. By reflecting on past outcomes, you can discern effective strategies and identify those that underperformed. This continuous feedback loop enables you to adapt and refine your approach, optimizing for future success.

Continuous Learning and Adaptation

Each note serves as a learning point, offering insights into your decision-making processes. Over time, you'll accumulate a personalized database of knowledge, enhancing your ability to make informed decisions quickly and effectively.

Boost Decision Confidence

With a comprehensive record of your investment history at your fingertips, you can compare current opportunities against past experiences. This not only bolsters your confidence but also ensures that each decision is grounded in a well-documented rationale.

Why create notes?

Back

Delete Note

Do you really want to delete this note?
This action cannot be undone.

Remove price alert for reaching false

Delete

Cancel

CZNC Alert

Citizens & Northern Corp

18.48

+0.18 (+0.98%)

52 Week Range	16.2213 22.36
Price Target

We'll email you a reminder when the closing price reaches USD.

Save Alert

Choose the stock you wish to monitor with a price alert.

	Johnson & Johnson NYSE:JNJ	US
	Berkshire Hathaway Inc NYSE:BRK.A	US
	Bank of America Corp NYSE:BAC	US
	Mastercard Inc NYSE:MA	US
	UnitedHealth Group Inc NYSE:UNH	US
	Exxon Mobil Corp NYSE:XOM	US
	Pfizer Inc NYSE:PFE	US
	Palantir Technologies Inc NYSE:PLTR	US
	Nike Inc NYSE:NKE	US
	Visa Inc NYSE:V	US
	Alibaba Group Holding Ltd NYSE:BABA	CN
	JPMorgan Chase & Co NYSE:JPM	US
	Coca-Cola Co NYSE:KO	US
	Walmart Inc NYSE:WMT	US
	Verizon Communications Inc NYSE:VZ	US
	Chevron Corp NYSE:CVX	US

Delete Alert

This alert will be permanently deleted.

Remove note

Delete

Cancel

Ask me anything about

Citizens & Northern Corp

What unique competitive advantages
does Citizens & Northern Corp hold over its rivals?

What risks and challenges
does Citizens & Northern Corp face in the near future?

Is it considered overvalued or undervalued
based on the latest financial data?

Provide an overview of the primary business activities
of Citizens & Northern Corp.

What unique competitive advantages
does Citizens & Northern Corp hold over its rivals?

What risks and challenges
does Citizens & Northern Corp face in the near future?

Has there been any significant insider trading activity
in Citizens & Northern Corp recently?

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Citizens & Northern Corp.

Provide P/S
for Citizens & Northern Corp.

Provide P/E
for Citizens & Northern Corp.

Provide P/B
for Citizens & Northern Corp.

Show me price targets
for Citizens & Northern Corp made by professional analysts.

What are the Revenue projections
for Citizens & Northern Corp?

How accurate were the past Revenue estimates
for Citizens & Northern Corp?

What are the Net Income projections
for Citizens & Northern Corp?

How accurate were the past Net Income estimates
for Citizens & Northern Corp?

What are the EPS projections
for Citizens & Northern Corp?

How accurate were the past EPS estimates
for Citizens & Northern Corp?

What are the EBIT projections
for Citizens & Northern Corp?

How accurate were the past EBIT estimates
for Citizens & Northern Corp?

Compare the revenue forecasts
for Citizens & Northern Corp with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Citizens & Northern Corp and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Citizens & Northern Corp against its competitors.

Analyze the profit margins
(gross, operating, and net) of Citizens & Northern Corp compared to its peers.

Compare the P/E ratios
of Citizens & Northern Corp against its peers.

Discuss the investment returns and shareholder value creation
comparing Citizens & Northern Corp with its peers.

Analyze the financial leverage
of Citizens & Northern Corp compared to its main competitors.

Show all profitability ratios
for Citizens & Northern Corp.

Provide ROE
for Citizens & Northern Corp.

Provide ROA
for Citizens & Northern Corp.

Provide Net Interest Margin
for Citizens & Northern Corp.

Provide Net Margin
for Citizens & Northern Corp.

Show all solvency ratios
for Citizens & Northern Corp.

Loans/Deposits Ratio
for Citizens & Northern Corp.

What is the historical Revenue growth
over the last 5 years for Citizens & Northern Corp?

What is the historical Net Income growth
over the last 5 years for Citizens & Northern Corp?

What is the current Free Cash Flow
of Citizens & Northern Corp?

Discuss the annual earnings per share (EPS)
trend over the past five years for Citizens & Northern Corp.

Relative Value Valuation Multiples Multiples Across Competitors See Also

Section:

Relative Value

Valuation Multiples

Multiples Across Competitors

Relative Value

The Relative Value of one CZNC stock under the Base Case scenario is 19.7 USD. Compared to the current market price of 18.48 USD, Citizens & Northern Corp is Undervalued by 6%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

Relative Valuation FAQ:

What is Relative Valuation?

How is Relative Value calculated?

CZNC Relative Value

Base Case

19.7 USD

Undervaluation 6%

Relative Value

Price

Worst Case

Base Case

Best Case

Valuation Multiples

vs History	73
vs Industry	38

Median 3Y

2.8

Median 5Y

2.8

Industry

2.5

Forward

2.5

vs History	87
vs Industry	32

Median 3Y

11.6

Median 5Y

11.7

Industry

10.3

Forward

9.9

More Details

P/B

Price to Book Value

vs History	77
vs Industry	32

Median 3Y

1.2

Median 5Y

1.1

Industry

0.9

vs History	79
vs Industry	32

Median 3Y

0.2

Median 5Y

0.2

Industry

0.1

More Details

Multiples Across Competitors

CZNC Competitors Multiples
Citizens & Northern Corp Competitors

All Multiples

P/S

P/E

P/B

All Countries

All Countries United States of America United Kingdom Canada New Zealand Germany Bermuda Ireland Luxembourg Austria Italy France Belgium Netherlands Portugal Switzerland Spain Lithuania Estonia Latvia Finland Iceland Sweden Norway Denmark Israel Hong Kong Korea Poland Hungary Philippines Singapore India Japan Pakistan Australia Chile Saudi Arabia Thailand China Indonesia Greece South Africa Vietnam Malaysia Brazil Argentina Mexico Croatia Turkey Taiwan Peru Russia Cyprus Cayman Islands Papua New Guinea Mongolia Guernsey British Virgin Islands Panama Puerto Rico Monaco Colombia Uruguay United Arab Emirates Macao Egypt Bahamas Jersey Anguilla Nicaragua Isle of Man Mauritius Guam Venezuela Czech Republic Malta Liechtenstein Georgia Cambodia Azerbaijan Ukraine French Guiana Martinique Costa Rica Gibraltar Morocco Virgin Islands (U.S.) Faroe Islands Nigeria Bulgaria Slovenia Slovakia Romania Kazakhstan Jordan Kenya Zimbabwe Malawi

Forward Multiples

		Market Cap	P/S	P/E	P/B
US	Citizens & Northern Corp NASDAQ:CZNC	286.1m USD	2.6	10.7	1
US	PNC Financial Services Group Inc NYSE:PNC	69.8B USD	3.2	12.3	1.2
US	Truist Financial Corp NYSE:TFC	51.9B USD	3.9	11.5	0.8
US	M&T Bank Corp NYSE:MTB	29.7B USD	3.2	11.9	1
CN	Bank of Jiangsu Co Ltd SSE:600919	203.3B CNY	2.4	6.6	0.7
US	Fifth Third Bancorp NASDAQ:FITB	26B USD	3.1	12.1	1.3
CN	Bank of Ningbo Co Ltd SZSE:002142	179.7B CNY	2.4	6.8	0.8
US	First Citizens BancShares Inc (Delaware) NASDAQ:FCNCA	24.7B USD	2.6	10	1.1
US	Huntington Bancshares Inc NASDAQ:HBAN	23.1B USD	3.1	12.1	1.1
JP	Resona Holdings Inc TSE:8308	2.9T JPY	3	13.7	1.1
US	Regions Financial Corp NYSE:RF	19.3B USD	2.7	10.2	1

P/S Multiple

			Revenue Growth	P/S to Growth
US	Citizens & Northern Corp NASDAQ:CZNC	Average P/S: 2.9 2.6	N/A	N/A
US	PNC Financial Services Group Inc NYSE:PNC	3.2	6%	0.5
US	Truist Financial Corp NYSE:TFC	3.9	19%	0.2
US	M&T Bank Corp NYSE:MTB	3.2	4%	0.8
CN	Bank of Jiangsu Co Ltd SSE:600919	2.4	5%	0.5
US	Fifth Third Bancorp NASDAQ:FITB	3.1	6%	0.5
CN	Bank of Ningbo Co Ltd SZSE:002142	2.4	9%	0.3
US	First Citizens BancShares Inc (Delaware) NASDAQ:FCNCA	2.6	1%	2.6
US	Huntington Bancshares Inc NASDAQ:HBAN	3.1	6%	0.5
JP	Resona Holdings Inc TSE:8308	3	N/A	N/A
US	Regions Financial Corp NYSE:RF	2.7	6%	0.5

P/E Multiple

			Earnings Growth	PEG
US	Citizens & Northern Corp NASDAQ:CZNC	Average P/E: 10.7 10.7	N/A	N/A
US	PNC Financial Services Group Inc NYSE:PNC	12.3	12%	1
US	Truist Financial Corp NYSE:TFC	11.5	13%	0.9
US	M&T Bank Corp NYSE:MTB	11.9	12%	1
CN	Bank of Jiangsu Co Ltd SSE:600919	6.6	N/A	N/A
US	Fifth Third Bancorp NASDAQ:FITB	12.1	12%	1
CN	Bank of Ningbo Co Ltd SZSE:002142	6.8	10%	0.7
US	First Citizens BancShares Inc (Delaware) NASDAQ:FCNCA	10	4%	2.5
US	Huntington Bancshares Inc NASDAQ:HBAN	12.1	12%	1
JP	Resona Holdings Inc TSE:8308	13.7	N/A	N/A
US	Regions Financial Corp NYSE:RF	10.2	12%	0.9

P/B Multiple


US	Citizens & Northern Corp NASDAQ:CZNC	Average P/B: 1 1
US	PNC Financial Services Group Inc NYSE:PNC	1.2
US	Truist Financial Corp NYSE:TFC	0.8
US	M&T Bank Corp NYSE:MTB	1
CN	Bank of Jiangsu Co Ltd SSE:600919	0.7
US	Fifth Third Bancorp NASDAQ:FITB	1.3
CN	Bank of Ningbo Co Ltd SZSE:002142	0.8
US	First Citizens BancShares Inc (Delaware) NASDAQ:FCNCA	1.1
US	Huntington Bancshares Inc NASDAQ:HBAN	1.1
JP	Resona Holdings Inc TSE:8308	1.1
US	Regions Financial Corp NYSE:RF	1

	Franklin Covey Co NYSE:FC	22.67 USD 0.35%
	Mohawk Industries Inc NYSE:MHK	100.6 USD 2.15%
	Ardmore Shipping Corp NYSE:ASC	9.61 USD -0.52%
	ASGN Inc NYSE:ASGN	52.78 USD 2.05%
	Skyworks Solutions Inc NASDAQ:SWKS	71.03 USD 3.02%
	Weatherford International PLC NASDAQ:WFRD	46.83 USD 6.8%

	Johnson & Johnson NYSE:JNJ	154.42 USD -0.63%
	Bank of America Corp NYSE:BAC	44.65 USD 1.29%
	Mastercard Inc NYSE:MA	581.97 USD 0.13%
	Salesforce Inc NYSE:CRM	264.47 USD 1.09%
	Abbvie Inc NYSE:ABBV	187.25 USD 0.14%
	Home Depot Inc NYSE:HD	373.08 USD 1.39%

	Arista Networks Inc NYSE:ANET	94.5 USD 5.26%
	Deckers Outdoor Corp NYSE:DECK	105.83 USD 0.78%
	Visa Inc NYSE:V	365.86 USD 0.15%
	Texas Pacific Land Corp NYSE:TPL	1 126.37 USD 1.46%
	KLA Corp NASDAQ:KLAC	775.79 USD 1.75%
	Manhattan Associates Inc NASDAQ:MANH	186.98 USD 1.35%

	Salesforce Inc NYSE:CRM	264.47 USD 1.09%
	Accenture PLC NYSE:ACN	312.9 USD -0.5%
	ServiceNow Inc NYSE:NOW	1 010.88 USD -0.12%
	Spotify Technology SA NYSE:SPOT	671.07 USD -0.14%
	Monster Beverage Corp NASDAQ:MNST	63.99 USD 0.25%
	Applied Materials Inc NASDAQ:AMAT	161.74 USD 2.84%

Citizens & Northern Corp
NASDAQ:CZNC

Relative Value

Valuation Multiples

Multiples Across Competitors

CZNC Competitors Multiples
Citizens & Northern Corp Competitors

See Also

Company

Help

Tools

Stocks

Citizens & Northern Corp NASDAQ:CZNC

Relative Value

Valuation Multiples

Multiples Across Competitors

CZNC Competitors Multiples Citizens & Northern Corp Competitors

See Also

Company

Help

Tools

Stocks

Citizens & Northern Corp
NASDAQ:CZNC

CZNC Competitors Multiples
Citizens & Northern Corp Competitors