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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)113.50m
- Net income in USD23.96m
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MVB Financial Corp | 189.82m | 22.45m | 259.64m | 445.00 | 11.68 | 0.8915 | 9.54 | 1.82 | 1.73 | 2.41 | 11.00 | 22.68 | -- | -- | -- | -- | 0.6964 | 1.07 | -- | -- | -- | -- | 15.54 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| Carter Bankshares Inc | 196.42m | 23.19m | 265.91m | 679.00 | 11.54 | 0.7549 | 8.97 | 1.89 | 1.00 | 1.00 | 6.08 | 15.30 | -- | -- | -- | -- | 0.5365 | 0.4126 | -- | -- | -- | -- | 16.63 | 12.20 | -- | -- | -- | -- | 22.62 | 5.26 | -53.46 | 14.26 | -7.68 | -- |
| Third Coast Bancshares Inc | 266.54m | 28.67m | 267.52m | 365.00 | 11.19 | 0.6476 | 8.28 | 1.81 | 1.76 | 1.76 | 9.17 | 30.28 | -- | -- | -- | -- | 0.8177 | -- | -- | -- | -- | -- | 22.61 | -- | -- | -- | -- | -- | 73.14 | -- | 66.26 | -- | -- | -- |
| Primis Financial Corp | 205.89m | 9.94m | 270.14m | 565.00 | 27.18 | 0.6454 | 30.83 | 1.80 | 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 |
| Fidelity D&D Bancorp Inc | 93.84m | 18.21m | 270.82m | 291.00 | 14.80 | 1.42 | 11.33 | 3.69 | 3.19 | 3.19 | 12.85 | 33.22 | -- | -- | -- | -- | 0.7461 | 1.05 | -- | -- | -- | -- | 24.79 | 28.22 | -- | -- | -- | 33.16 | 19.27 | 21.57 | -39.34 | 10.59 | 14.25 | 9.04 |
| Financial Institutions Inc | 286.13m | 48.81m | 273.57m | 624.00 | 5.61 | 0.6237 | 4.81 | 1.28 | 3.16 | 3.16 | 13.83 | 29.52 | -- | -- | -- | -- | 0.8407 | 1.05 | -- | -- | -- | -- | 23.49 | 27.68 | -- | -- | -- | 32.51 | 45.91 | 13.38 | -11.45 | 5.10 | 1.03 | 4.83 |
| Capital Bancorp Inc | 188.16m | 32.70m | 273.76m | 277.00 | 8.44 | 1.06 | 10.37 | 1.64 | 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 | -- |
| Peoples Financial Services Corp | 149.85m | 27.38m | 274.87m | 375.00 | 10.18 | 0.8054 | 9.08 | 2.73 | 3.82 | 3.82 | 14.10 | 48.35 | -- | -- | -- | -- | 0.7506 | 1.07 | -- | -- | -- | -- | 27.16 | 32.44 | -- | -- | -- | 33.17 | 34.60 | 12.10 | -28.12 | 1.90 | 7.81 | 4.60 |
| Citizens & Northern Corporation | 113.50m | 23.96m | 274.96m | 404.00 | 11.37 | 1.04 | 10.30 | 2.62 | 1.57 | 1.57 | 6.88 | 17.15 | -- | -- | -- | -- | 0.9718 | 1.13 | -- | -- | -- | -- | 23.04 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
| Orrstown Financial Services Inc | 158.27m | 35.04m | 277.15m | 410.00 | 7.71 | 1.02 | 9.31 | 2.10 | 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 |
| Unity Bancorp, Inc. | 148.08m | 39.01m | 277.52m | 227.00 | 7.25 | 1.04 | 8.53 | 2.68 | 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 Bancorporation Inc | 160.31m | 24.14m | 281.48m | 181.00 | 11.70 | 1.25 | 10.83 | 3.56 | 1.44 | 1.44 | 4.71 | 13.46 | -- | -- | -- | -- | 0.6489 | 1.15 | -- | -- | -- | -- | 30.52 | 40.07 | -- | -- | -- | 42.01 | 29.96 | 13.58 | -47.98 | -3.27 | 180.38 | 5.09 |
| First Internet Bancorp | 239.44m | 8.42m | 284.87m | 287.00 | 34.05 | 0.7837 | 20.11 | 2.82 | 0.9658 | 0.9658 | 11.41 | 41.97 | -- | -- | -- | -- | 0.1734 | 0.6841 | -- | -- | -- | -- | 8.33 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
| First Business Financial Services Inc | 194.93m | 35.21m | 285.16m | 349.00 | 7.91 | 1.03 | 7.17 | 1.98 | 4.34 | 4.34 | 17.74 | 34.83 | -- | -- | -- | -- | 1.14 | 1.18 | -- | -- | -- | -- | 25.73 | 26.46 | -- | -- | -- | 21.10 | 60.61 | 16.39 | -9.87 | 17.00 | 24.38 | 9.86 |
| Farmers & Merchants Bancorp Inc | 139.81m | 22.54m | 289.55m | 456.00 | 12.68 | 0.9147 | 10.14 | 2.97 | 1.67 | 1.67 | 7.22 | 23.17 | -- | -- | -- | -- | 0.7236 | 1.03 | -- | -- | -- | -- | 23.39 | 27.35 | -- | -- | -- | 38.19 | 38.22 | 24.67 | -30.07 | 8.78 | 32.98 | 9.24 |
| ACNB Corp | 96.64m | 31.69m | 291.31m | 413.00 | 9.22 | 1.05 | 8.31 | 2.73 | 3.72 | 3.72 | 12.52 | 32.60 | -- | -- | -- | -- | 1.28 | 1.18 | -- | -- | -- | -- | 29.68 | 28.82 | -- | -- | -- | 31.58 | 11.02 | 8.42 | -11.37 | 7.82 | -7.69 | 5.08 |
Data as of Apr 23 2024. Currency figures normalised to Citizens & Northern Corp's reporting currency: US Dollar USD
23.98%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 1.06m | 6.91% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 716.45k | 4.66% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 524.71k | 3.41% |
| Geode Capital Management LLCas of 31 Dec 2023 | 316.13k | 2.06% |
| Citizens & Northern Investment Managementas of 31 Dec 2023 | 308.28k | 2.01% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 304.55k | 1.98% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 134.12k | 0.87% |
| Pennsylvania Capital Management, Inc.as of 31 Dec 2023 | 124.92k | 0.81% |
| IVC Wealth Advisors LLCas of 31 Mar 2024 | 106.53k | 0.69% |
| PNC Bank, NA (Investment Management)as of 31 Dec 2023 | 88.35k | 0.58% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
