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1. Company Snapshot

1.a. Company Description

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers.The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits.It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents.


In addition, the company reinsures credit and mortgage, life and accident, and health insurance products.As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York.The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

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1.b. Last Insights on CZNC

Citizens & Northern Corporation's recent performance was driven by strong Q4 earnings and revenue beat, exceeding the consensus estimate of $0.45 per share with earnings of $0.53 per share. This represents a significant year-over-year increase from $0.28 per share. The company's impressive earnings surprise has solidified its position as a strong buy, as it was included in the Zacks Rank #1 (Strong Buy) value stocks list on January 29.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Best Income Stocks to Buy for September 15th

Sep -15

Source: zacks.com

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Best Income Stocks to Buy for September 5th

Sep -05

Source: zacks.com

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Best Income Stocks to Buy for August 15th

Aug -15

Source: zacks.com

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Citizens & Northern (CZNC) Misses Q2 Earnings Estimates

Aug -08

Source: zacks.com

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Bert's May 2025 Dividend Income Summary

Jun -03

Source: seekingalpha.com

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KBRA Comments on Citizens & Northern Corporation's Proposed Acquisition of Susquehanna Community Financial, Inc.

Apr -25

Source: businesswire.com

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Citizens & Northern (CZNC) Lags Q1 Earnings and Revenue Estimates

Apr -23

Source: zacks.com

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Best Value Stocks to Buy for January 29th

Jan -29

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.00%)

6. Segments

Community Banking

Expected Growth: 5%

Citizens & Northern Corporation's Community Banking segment growth is driven by strategic branch expansion, increased commercial lending, and enhanced digital banking capabilities. Additionally, the corporation's focus on customer relationships, community involvement, and employee development contribute to its 5% growth rate.

7. Detailed Products

Personal Banking

Citizens & Northern Corporation offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products.

Business Banking

The company provides business banking services, including commercial loans, cash management, and treasury management solutions.

Mortgage Lending

Citizens & Northern Corporation offers mortgage lending services, including residential and commercial mortgages, construction loans, and home equity loans.

Wealth Management

The company provides wealth management services, including investment management, trust services, and retirement planning.

Insurance Services

Citizens & Northern Corporation offers insurance services, including personal and commercial insurance, life insurance, and employee benefits.

8. Citizens & Northern Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Citizens & Northern Corporation is moderate due to the availability of alternative banking services from other financial institutions.

Bargaining Power Of Customers

The bargaining power of customers is low for Citizens & Northern Corporation as customers have limited negotiating power due to the bank's strong market position.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate for Citizens & Northern Corporation as the bank relies on a few large suppliers for its operations, but has some negotiating power due to its size.

Threat Of New Entrants

The threat of new entrants is low for Citizens & Northern Corporation due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.

Intensity Of Rivalry

The intensity of rivalry is high for Citizens & Northern Corporation due to the competitive nature of the banking industry, with many established players competing for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 44.73%
Debt Cost 5.20%
Equity Weight 55.27%
Equity Cost 6.07%
WACC 5.68%
Leverage 80.94%

11. Quality Control: Citizens & Northern Corporation passed 1 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Bank First

A-Score: 6.8/10

Value: 3.4

Growth: 6.6

Quality: 7.6

Yield: 6.0

Momentum: 9.5

Volatility: 7.7

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Citizens & Northern

A-Score: 6.6/10

Value: 6.0

Growth: 4.9

Quality: 7.4

Yield: 8.0

Momentum: 5.0

Volatility: 8.3

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Value: 6.1

Growth: 5.2

Quality: 6.0

Yield: 5.0

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Volatility: 6.7

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Flushing Financial

A-Score: 5.6/10

Value: 8.3

Growth: 2.7

Quality: 3.9

Yield: 10.0

Momentum: 3.5

Volatility: 5.3

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ACNB

A-Score: 5.6/10

Value: 4.5

Growth: 5.2

Quality: 5.8

Yield: 6.0

Momentum: 5.0

Volatility: 7.0

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BayFirst

A-Score: 4.9/10

Value: 9.3

Growth: 7.3

Quality: 5.9

Yield: 4.0

Momentum: 1.0

Volatility: 2.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

20.25$

Current Price

20.25$

Potential

-0.00%

Expected Cash-Flows