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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)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
Peer analysis
- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
MVB Financial Corp | 195.09m | 24.37m | 234.65m | 445.00 | 9.71 | 0.8012 | 8.10 | 1.62 | 1.88 | 1.88 | 11.15 | 22.73 | -- | -- | -- | -- | 0.6842 | 1.07 | -- | -- | -- | -- | 16.73 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
USCB Financial Holdings Inc | 109.53m | 15.35m | 238.16m | 196.00 | 15.51 | 1.22 | 14.95 | 3.63 | 0.7816 | 0.7816 | 3.34 | 9.92 | -- | -- | -- | -- | 0.6597 | -- | -- | -- | -- | -- | 23.42 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
Southern States Bancshares Inc | 142.30m | 32.40m | 240.62m | 181.00 | 7.53 | 1.08 | 7.10 | 2.54 | 3.59 | 3.59 | 10.50 | 25.06 | -- | -- | -- | -- | 1.39 | 1.20 | -- | -- | -- | -- | 34.16 | 29.38 | -- | -- | -- | 9.71 | 59.64 | 28.88 | 18.03 | 32.88 | -3.27 | -- |
First Internet Bancorp | 255.57m | 16.62m | 242.19m | 287.00 | 14.79 | 0.6604 | 10.45 | 2.30 | 1.89 | 1.89 | 11.96 | 42.37 | -- | -- | -- | -- | 0.3303 | 0.6841 | -- | -- | -- | -- | 15.81 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
Northeast Community Bancorp Inc | 142.10m | 46.41m | 253.71m | 135.00 | 5.44 | 0.8802 | 5.33 | 2.47 | 3.32 | 3.32 | 7.32 | 20.54 | -- | -- | -- | -- | 2.75 | -- | -- | -- | -- | -- | 45.26 | -- | -- | -- | -- | -- | 84.01 | -- | 86.27 | -- | -- | -- |
Waterstone Financial Inc | 104.22m | 10.26m | 254.78m | 698.00 | 25.13 | 0.764 | 19.26 | 1.94 | 0.5161 | 0.5161 | 6.67 | 16.98 | -- | -- | -- | -- | 0.4717 | 2.07 | -- | -- | -- | -- | 7.80 | 20.98 | -- | -- | -- | 61.31 | 41.23 | 6.12 | -51.89 | -21.15 | -29.30 | 9.34 |
Citizens & Northern Corporation | 117.70m | 23.03m | 264.93m | 404.00 | 11.37 | 1.01 | 10.31 | 2.54 | 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 |
Sterling Bancorp Inc | 130.65m | 7.72m | 268.97m | 248.00 | 34.05 | 0.8222 | 29.97 | 4.14 | 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 | 275.10m | 243.00 | 16.85 | 0.9521 | 14.91 | 3.65 | 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 | -- |
FS Bancorp Inc | 173.46m | 35.68m | 275.12m | 570.00 | 7.71 | 0.9911 | 5.69 | 1.92 | 4.58 | 4.58 | 18.40 | 35.61 | -- | -- | -- | -- | 1.26 | 1.50 | -- | -- | -- | -- | 25.28 | 26.93 | -- | -- | -- | 15.88 | 40.86 | 21.82 | 21.93 | 7.82 | -15.13 | 30.42 |
Orange County Bancorp Inc | 122.48m | 35.54m | 278.69m | 197.00 | 7.81 | 1.65 | 7.45 | 2.71 | 6.31 | 6.31 | 18.25 | 29.81 | -- | -- | -- | -- | 1.45 | -- | -- | -- | -- | -- | 34.57 | -- | -- | -- | -- | -- | 39.83 | -- | 20.99 | -- | -- | -- |
Capital Bancorp Inc | 188.16m | 32.70m | 280.35m | 277.00 | 8.64 | 1.08 | 8.49 | 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 | -- |
First Foundation Inc | 587.14m | -206.77m | 282.56m | 567.00 | -- | 0.3042 | -- | 1.22 | -3.66 | -3.66 | 4.11 | 16.43 | -- | -- | -- | -- | -1.52 | 0.3507 | -- | -- | -- | -- | -89.02 | 11.66 | -- | -- | -- | 44.23 | 42.05 | 22.58 | -280.13 | -- | 24.82 | -- |
Blue Ridge Bankshares Inc | 170.64m | -58.64m | 283.53m | 507.00 | -- | 0.2977 | -- | 2.42 | -3.09 | -3.09 | 6.17 | 9.24 | -- | -- | -- | -- | -1.83 | 0.5045 | -- | -- | -- | -- | -50.00 | 8.48 | -- | -- | -- | 50.96 | 32.57 | 49.76 | -287.75 | -- | -14.44 | -- |
West Coast Community Bancorp | 94.91m | 35.15m | 291.96m | -- | 8.30 | -- | -- | 3.38 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
Enterprise Bancorp Inc | 208.24m | 35.80m | 295.75m | 570.00 | 8.19 | 0.8871 | 7.07 | 1.77 | 2.92 | 2.92 | 13.58 | 26.94 | -- | -- | -- | -- | 0.7897 | 0.9501 | -- | -- | -- | -- | 21.48 | 24.17 | -- | -- | -- | 24.33 | 24.95 | 10.34 | -10.90 | 5.67 | 2.59 | 9.67 |
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 | 507.10k | 3.30% |
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% |