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About the company
Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Company's subsidiaries include Citizens & Northern Bank (the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (Bucktail). The Bank is a Pennsylvania banking institution, which provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. It operates over 29 branch offices, including 22 in the Northern tier/Northcentral region of Pennsylvania, one in the Southern tier of New York State, four in Southeastern Pennsylvania and two in Southcentral Pennsylvania. The Bank also has a lending office in Elmira, New York.
- Revenue in USD (TTM)121.02m
- Net income in USD23.10m
- Incorporated1987
- Employees404.00
- LocationCitizens & Northern Corp90-92 Main StWELLSBORO 16901United StatesUSA
- Phone+1 (717) 265-6171
- Websitehttps://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Citizens Financial Services Inc | 151.04m | 27.39m | 263.56m | 401.00 | 9.60 | 0.9199 | 8.89 | 2.58 | 5.77 | 5.77 | 21.47 | 60.19 | -- | -- | -- | -- | 0.938 | 1.20 | -- | -- | -- | -- | 26.86 | 31.39 | -- | -- | -- | 30.13 | 52.50 | 17.50 | -38.71 | -0.2485 | 39.24 | 3.33 |
| PCB Bancorp | 168.30m | 23.70m | 267.26m | 265.00 | 11.35 | 0.94 | 10.32 | 2.74 | 1.65 | 1.65 | 6.80 | 24.80 | -- | -- | -- | -- | 0.8836 | 1.39 | -- | -- | -- | -- | 24.50 | 31.91 | -- | -- | -- | 24.46 | 48.58 | 12.55 | -12.12 | 4.72 | 2.90 | 87.22 |
| Colony Bankcorp Inc | 132.43m | 22.21m | 273.17m | 460.00 | 12.28 | 1.03 | 8.92 | 2.41 | 1.26 | 1.26 | 6.47 | 15.09 | -- | -- | -- | -- | 0.7271 | 0.7412 | -- | -- | -- | -- | 19.56 | 17.32 | -- | -- | -- | 31.52 | 36.47 | 20.57 | 11.28 | 12.78 | 5.54 | 17.08 |
| Southern States Bancshares Inc | 151.12m | 31.84m | 276.41m | 181.00 | 8.83 | 1.20 | 8.29 | 3.02 | 3.51 | 3.51 | 10.10 | 25.88 | -- | -- | -- | -- | 1.31 | 1.20 | -- | -- | -- | -- | 34.80 | 29.38 | -- | -- | -- | 9.71 | 59.64 | 28.88 | 18.03 | 32.88 | -3.27 | -- |
| Civista Bancshares Inc | 198.58m | 32.22m | 279.97m | 538.00 | 8.42 | 0.749 | 6.03 | 1.82 | 2.11 | 2.11 | 10.06 | 23.75 | -- | -- | -- | -- | 0.8775 | 1.28 | -- | -- | -- | -- | 21.78 | 28.89 | -- | -- | -- | 21.40 | 44.85 | 19.92 | 6.30 | 25.71 | 18.43 | 7.99 |
| HomeStreet Inc | 405.65m | -14.86m | 280.03m | 849.00 | -- | 0.5384 | -- | 1.56 | -0.788 | -0.788 | 9.55 | 27.58 | -- | -- | -- | -- | -0.1584 | 0.7085 | -- | -- | -- | -- | -8.26 | 18.82 | -- | -- | -- | 26.99 | 31.37 | 9.71 | -141.34 | -- | -17.09 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 281.08m | 243.00 | 17.22 | 0.9727 | 15.24 | 3.73 | 0.6284 | 0.6284 | 2.99 | 11.12 | -- | -- | -- | -- | 0.8235 | 0.5433 | -- | -- | -- | -- | 21.00 | 14.04 | -- | -- | -- | -- | 62.02 | 8.85 | 113.52 | 11.56 | -43.76 | -- |
| Ponce Financial Group Inc | 146.91m | 8.64m | 282.17m | 227.00 | 30.70 | 1.03 | 21.46 | 3.47 | 0.386 | 0.386 | 3.63 | 20.90 | -- | -- | -- | -- | 0.3161 | -0.0303 | -- | -- | -- | -- | 10.71 | -0.7414 | -- | -- | -- | -- | 52.10 | 22.22 | 111.17 | 4.60 | -41.02 | -- |
| First of Long Island Corp | 165.38m | 22.09m | 296.74m | 288.00 | 13.50 | 0.7883 | 11.76 | 3.36 | 0.9759 | 0.9759 | 3.90 | 16.71 | -- | -- | -- | -- | 0.5229 | 0.9589 | -- | -- | -- | -- | 25.03 | 35.10 | -- | -- | -- | 45.59 | 15.85 | 2.38 | -44.09 | -8.74 | -12.83 | 6.26 |
| Citizens & Northern Corporation | 121.02m | 23.10m | 300.15m | 404.00 | 12.84 | 1.14 | 11.65 | 2.87 | 1.52 | 1.52 | 6.87 | 17.12 | -- | -- | -- | -- | 0.9191 | 1.13 | -- | -- | -- | -- | 22.28 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
| USCB Financial Holdings Inc | 117.86m | 17.36m | 302.16m | 196.00 | 17.44 | 1.50 | 16.84 | 4.31 | 0.8829 | 0.8829 | 3.56 | 10.24 | -- | -- | -- | -- | 0.7413 | -- | -- | -- | -- | -- | 24.79 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| Waterstone Financial Inc | 108.00m | 11.96m | 304.90m | 698.00 | 24.97 | 0.9113 | 20.56 | 2.30 | 0.6276 | 0.6276 | 6.88 | 17.20 | -- | -- | -- | -- | 0.5294 | 2.07 | -- | -- | -- | -- | 9.03 | 20.98 | -- | -- | -- | 61.31 | 41.23 | 6.12 | -51.89 | -21.15 | -29.30 | 9.34 |
| First Internet Bancorp | 268.41m | 18.51m | 306.67m | 287.00 | 16.66 | 0.8245 | 12.18 | 2.70 | 2.12 | 2.12 | 13.01 | 42.91 | -- | -- | -- | -- | 0.3597 | 0.6841 | -- | -- | -- | -- | 16.32 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
| West Coast Community Bancorp | 101.12m | 35.49m | 328.40m | -- | 9.29 | -- | -- | 3.80 | 4.20 | 4.20 | 10.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 41.05 | 36.71 | -- | -- | -- | 10.06 | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
| Northeast Community Bancorp Inc | 150.62m | 48.12m | 332.29m | 135.00 | 6.69 | 1.11 | 6.74 | 3.18 | 3.54 | 3.54 | 7.67 | 21.44 | -- | -- | -- | -- | 2.71 | -- | -- | -- | -- | -- | 46.07 | -- | -- | -- | -- | -- | 84.01 | -- | 86.27 | -- | -- | -- |
| Orange County Bancorp Inc | 125.25m | 34.67m | 338.29m | 197.00 | 9.71 | 1.91 | 9.26 | 3.23 | 6.15 | 6.15 | 18.60 | 31.35 | -- | -- | -- | -- | 1.39 | -- | -- | -- | -- | -- | 33.07 | -- | -- | -- | -- | -- | 39.83 | -- | 20.99 | -- | -- | -- |
Data as of Sep 20 2024. Currency figures normalised to Citizens & Northern Corp's reporting currency: US Dollar USD
23.92%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2024 | 1.03m | 6.68% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 730.09k | 4.75% |
| Dimensional Fund Advisors LPas of 30 Jun 2024 | 503.30k | 3.27% |
| Geode Capital Management LLCas of 30 Jun 2024 | 341.58k | 2.22% |
| Citizens & Northern Investment Managementas of 30 Jun 2024 | 329.39k | 2.14% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 305.64k | 1.99% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Mar 2024 | 133.13k | 0.87% |
| Pennsylvania Capital Management, Inc.as of 30 Jun 2024 | 117.12k | 0.76% |
| IVC Wealth Advisors LLCas of 30 Jun 2024 | 103.42k | 0.67% |
| PNC Bank, NA (Investment Management)as of 30 Jun 2024 | 87.50k | 0.57% |
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Data from 31 Mar 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
