Profile data is unavailable for this security.
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)117.70m
- Net income in USD23.03m
- 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
More ▼
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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Southern California Bancorp | 125.04m | 22.62m | 257.94m | 204.00 | 11.50 | 0.8817 | 10.54 | 2.06 | 1.21 | 1.21 | 6.69 | 15.79 | 0.0546 | -- | 7.33 | 612,946.10 | 0.9874 | -- | 7.59 | -- | -- | -- | 18.09 | -- | -- | 1.93 | 0.871 | -- | 31.35 | -- | 60.80 | -- | -- | -- |
| Primis Financial Corp | 205.89m | 9.94m | 258.91m | 565.00 | 26.05 | 0.6186 | 29.55 | 1.72 | 0.4026 | 0.4026 | 6.10 | 16.96 | -- | -- | -- | -- | 0.2058 | 0.6436 | -- | -- | -- | -- | 5.09 | 17.75 | -- | -- | -- | 45.42 | 63.31 | 11.61 | -43.97 | -21.66 | -- | 4.56 |
| Sterling Bancorp Inc | 130.65m | 7.72m | 259.09m | 248.00 | 32.80 | 0.792 | 28.87 | 3.99 | 0.1518 | 0.1518 | 1.28 | 6.29 | -- | -- | -- | -- | 0.3199 | 0.2152 | -- | -- | -- | -- | 11.89 | 6.75 | -- | -- | -- | 7.73 | 26.88 | -4.76 | 152.23 | -34.91 | -34.26 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 259.78m | 243.00 | 15.91 | 0.899 | 14.08 | 3.44 | 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 | -- |
| Fidelity D&D Bancorp Inc | 97.12m | 16.23m | 265.16m | 291.00 | 16.33 | 1.38 | 11.99 | 3.71 | 2.83 | 2.83 | 12.46 | 33.41 | -- | -- | -- | -- | 0.6607 | 1.05 | -- | -- | -- | -- | 22.71 | 28.22 | -- | -- | -- | 33.16 | 19.27 | 21.57 | -39.34 | 10.59 | 14.25 | 9.04 |
| First Bancorp Inc | 134.25m | 27.57m | 269.06m | 271.00 | 9.72 | 1.11 | 9.04 | 3.44 | 2.49 | 2.49 | 7.04 | 21.80 | -- | -- | -- | -- | 0.9523 | 1.30 | -- | -- | -- | -- | 35.29 | 38.97 | -- | -- | -- | 44.75 | 37.77 | 12.69 | -24.29 | 4.63 | 12.17 | 5.42 |
| Citizens & Northern Corporation | 117.70m | 23.03m | 269.54m | 404.00 | 11.57 | 1.03 | 10.49 | 2.59 | 1.52 | 1.52 | 6.85 | 17.01 | -- | -- | -- | -- | 0.9372 | 1.13 | -- | -- | -- | -- | 22.28 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
| ACNB Corp | 98.71m | 29.43m | 269.59m | 413.00 | 9.13 | 0.9631 | 8.25 | 2.57 | 3.46 | 3.46 | 12.33 | 32.78 | -- | -- | -- | -- | 1.22 | 1.18 | -- | -- | -- | -- | 28.05 | 28.82 | -- | -- | -- | 31.58 | 11.02 | 8.42 | -11.37 | 7.82 | -7.69 | 5.08 |
| Financial Institutions Inc | 300.78m | 38.79m | 272.02m | 624.00 | 7.03 | 0.6349 | 5.81 | 1.28 | 2.51 | 2.51 | 13.69 | 28.86 | -- | -- | -- | -- | 0.6562 | 1.05 | -- | -- | -- | -- | 18.97 | 27.68 | -- | -- | -- | 32.51 | 45.91 | 13.38 | -11.45 | 5.10 | 1.03 | 4.83 |
| Peoples Financial Services Corp | 154.57m | 23.27m | 275.16m | 375.00 | 11.96 | 0.8093 | 10.51 | 2.84 | 3.26 | 3.26 | 13.58 | 48.18 | -- | -- | -- | -- | 0.6333 | 1.07 | -- | -- | -- | -- | 24.03 | 32.44 | -- | -- | -- | 33.17 | 34.60 | 12.10 | -28.12 | 1.90 | 7.81 | 4.60 |
| Orange County Bancorp Inc | 122.48m | 35.54m | 277.39m | 197.00 | 7.77 | 1.64 | 7.42 | 2.70 | 6.31 | 6.31 | 18.25 | 29.81 | -- | -- | -- | -- | 1.45 | -- | -- | -- | -- | -- | 34.57 | -- | -- | -- | -- | -- | 39.83 | -- | 20.99 | -- | -- | -- |
| Bank7 Corp | 127.45m | 29.96m | 279.75m | 123.00 | 9.37 | 1.55 | 8.96 | 2.94 | 3.23 | 3.23 | 10.25 | 19.53 | -- | -- | -- | -- | 1.74 | 1.78 | -- | -- | -- | -- | 31.49 | 34.80 | -- | -- | -- | 27.12 | 54.34 | 21.03 | -4.60 | 2.49 | 49.62 | -37.42 |
| Orrstown Financial Services Inc | 158.27m | 35.04m | 279.92m | 410.00 | 7.77 | 1.03 | 7.11 | 2.13 | 3.36 | 3.36 | 12.62 | 25.38 | -- | -- | -- | -- | 1.13 | 1.00 | -- | -- | -- | -- | 26.61 | 22.98 | -- | -- | -- | 28.95 | 37.96 | 17.95 | 61.83 | 22.73 | -13.70 | 9.42 |
| Capital Bancorp Inc | 188.16m | 32.70m | 279.93m | 277.00 | 8.63 | 1.08 | 8.47 | 1.68 | 2.34 | 2.34 | 11.93 | 18.68 | -- | -- | -- | -- | 1.43 | 1.75 | -- | -- | -- | -- | 19.58 | 21.97 | -- | -- | -- | 5.23 | 21.61 | 21.52 | -14.19 | 22.95 | 4.44 | -- |
| Unity Bancorp, Inc. | 148.08m | 39.01m | 280.89m | 227.00 | 7.34 | 1.05 | 6.58 | 2.72 | 3.81 | 3.81 | 10.10 | 26.56 | -- | -- | -- | -- | 1.55 | 1.58 | -- | -- | -- | -- | 37.73 | 37.15 | -- | -- | -- | 12.37 | 42.44 | 16.36 | 3.25 | 12.62 | -8.72 | 12.20 |
| West Coast Community Bancorp | 94.91m | 35.15m | 281.02m | -- | 7.99 | -- | -- | 3.26 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
Data as of May 31 2024. Currency figures normalised to Citizens & Northern Corp's reporting currency: US Dollar USD
24.02%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 31 Mar 2024 | 537.20k | 3.49% |
| Geode Capital Management LLCas of 31 Mar 2024 | 333.83k | 2.17% |
| Citizens & Northern Investment Managementas of 31 Mar 2024 | 307.95k | 2.00% |
| 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 31 Mar 2024 | 124.92k | 0.81% |
| IVC Wealth Advisors LLCas of 31 Mar 2024 | 106.53k | 0.69% |
| PNC Bank, NA (Investment Management)as of 31 Mar 2024 | 87.79k | 0.57% |
More ▼
Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
