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Upturn AI SWOT - About
CZNC 
Citizens & Northern Corp (CZNC)
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Upturn Advisory Summary
04/01/2025: CZNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -37.33% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 309.94M USD | Price to earnings Ratio 11.86 | 1Y Target Price 21.5 |
Price to earnings Ratio 11.86 | 1Y Target Price 21.5 | ||
Volume (30-day avg) 24691 | Beta 0.43 | 52 Weeks Range 15.78 - 22.38 | Updated Date 04/2/2025 |
52 Weeks Range 15.78 - 22.38 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 5.61% | Basic EPS (TTM) 1.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.46% | Operating Margin (TTM) 35.45% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 9.66% |
Valuation
Trailing PE 11.86 | Forward PE 11.19 | Enterprise Value 393348704 | Price to Sales(TTM) 2.92 |
Enterprise Value 393348704 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 4.82 | Enterprise Value to EBITDA - | Shares Outstanding 15466100 | Shares Floating 14768084 |
Shares Outstanding 15466100 | Shares Floating 14768084 | ||
Percent Insiders 3.67 | Percent Institutions 33.57 |
Analyst Ratings
Rating 3 | Target Price 21 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens & Northern Corp
Company Overview
History and Background
Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania. The company has evolved from a local bank to a financial services provider with multiple branches throughout Pennsylvania and New York.
Core Business Areas
- Community Banking: Provides traditional banking services including checking, savings, and loan products to individuals and businesses.
- Wealth Management: Offers wealth management services, including investment advice, trust services, and retirement planning.
- Insurance Services: Offers insurance products including life, health, and property & casualty insurance.
Leadership and Structure
The company is led by its Board of Directors and executive management team. The organizational structure is typical of a community banking institution with various departments overseeing different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment financing. Market share data is not publicly available for this specific product at a local level. Competitors include other regional and national banks.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is not publicly available for this specific product at a local level. Competitors include other regional and national banks, credit unions, and mortgage companies.
- Wealth Management Services: Includes financial planning, investment management, and trust services. Competitors include national and regional wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increasing regulatory scrutiny, and competition from fintech companies. Consolidation within the industry is also ongoing.
Positioning
Citizens & Northern Corp is positioned as a community bank focusing on personalized service and local relationships. Its competitive advantage lies in its established presence and understanding of the local market.
Total Addressable Market (TAM)
The TAM includes all banking and financial services customers within its operating region. The TAM is estimated to be in the billions of dollars. Citizens & Northern Corp aims to capture a significant share of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Established customer relationships
- Diverse range of financial products and services
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating costs due to regulatory compliance
- Susceptibility to local economic conditions
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within the region
- Development of new digital banking services
- Strategic acquisitions of smaller banks or financial institutions
- Increased demand for wealth management services
Threats
- Competition from larger national banks and fintech companies
- Rising interest rates and inflation
- Increased regulatory burden
- Economic downturn in the region
Competitors and Market Share
Key Competitors
- FULT
- UCBI
- TFSL
Competitive Landscape
Citizens & Northern Corp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its local presence and customer relationships. Its disadvantages include its limited geographic reach and smaller size.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: The company's historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are based on analyst estimates and depend on factors such as economic conditions, interest rates, and competition.
Recent Initiatives: Recent strategic initiatives may include expanding into new markets, launching new products and services, and investing in technology.
Summary
Citizens & Northern Corp is a community bank with a strong local presence. Its stable business model and customer-centric approach are strengths. The bank needs to modernize and expand its digital banking solutions. They must also be cautious of increased competition and the impacts of economic downturns within their region.
Similar Companies
FULT
Fulton Financial Corporation
FULT
Fulton Financial Corporation
PBHC
Pathfinder Bancorp Inc
PBHC
Pathfinder Bancorp Inc
TFSL
TFS Financial Corporation
TFSL
TFS Financial Corporation
UCBI
United Community Banks Inc
UCBI
United Community Banks Inc
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports (where available)
- FDIC data
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share and financial metrics are estimates based on available data and may not be precise. Investment decisions should be based on your own research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens & Northern Corp
Exchange NASDAQ | Headquaters Wellsboro, PA, United States | ||
IPO Launch date 1996-05-30 | President, CEO & Director Mr. J. Bradley Scovill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 386 | Website https://www.cnbankpa.com |
Full time employees 386 | Website https://www.cnbankpa.com | ||
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.
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