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Live Chart Being Loaded With Signals

Commentary (1 Jul 2024 @ 09:41):
Our systems believe the stock currently is undervalued by 0.41% compare to its pairs and should correct upwards.

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...

Stats
Today's Volume	1 564
Average Volume	23 882
Market Cap	272.46M
EPS	$0.350 ( Q1 \| 2024-05-07 )
Next earnings date	( $0.380 ) 2024-07-18
Last Dividend	$0.280 ( 2024-05-03 )
Next Dividend	$0 ( N/A )
P/E	11.66 (Sector) 19.12 (Industry) 0
ATR14	$0.0870 (0.49%)

ABCB 0.26%

ACNB -0.61%

AFBI 0.05%

ALRS -0.70%

ALTA -1.25%

AMAL 0.18%

AMNB -0.33%

AMRB 2.00%

AMTB -0.34%

AMTBB -1.24%

AROW 1.09%

ASRV 1.77%

ATLO -1.17%

AUB 0.06%

AUBN 2.18%

BAFN 0.09%

BANF 1.89%

BANR 0.00%

BCBP -2.50%

BCML 3.30%

BCOW 4.87%

BFC 1.67%

BFIN 0.87%

BFST 0.32%

BKSC 0.00%

BLFY 0.33%

BMRC 1.51%

BMTC -1.57%

BOCH -1.56%

BOKF 0.09%

BOTJ -3.11%

BPFH 0.07%

BPOP 0.12%

BPRN -4.05%

BRKL 1.74%

BSBK 0.60%

BSRR 6.07%

BSVN -2.75%

BUSE -0.33%

BWB -0.26%

BWBBP 0.28%

BWFG 1.68%

BYFC -2.10%

CAC 0.15%

CALB -2.21%

CARE -0.53%

CARV -1.41%

CASH 0.39%

CATC 0.58%

CATY -0.37%

CBAN 0.90%

CBFV 2.16%

CBNK 1.79%

CBSH 0.04%

CCB -0.21%

CCBG 0.35%

CCNE -1.22%

CFB 0.71%

CFBK -1.33%

CFFI 2.28%

CFFN 0.46%

CFSB 0.31%

CHCO 0.64%

CHMG -0.81%

CIVB -4.91%

CIZN 1.69%

CLBK -0.13%

CLDB 1.39%

CLST 0.26%

CNBKA 0.06%

CNNB 0.32%

CNOB 0.85%

CNOBP 0.89%

COFS -1.22%

COLB 0.80%

CSTR 0.05%

CTBI 0.14%

CULL -0.29%

CVBF -0.46%

CVCY 2.26%

CVLY 4.98%

CWBC -0.32%

CZNC -0.95%

CZWI 0.61%

DCOM -0.39%

DCOMP 0.59%

EBC 0.14%

EBMT -0.53%

EBSB -2.03%

EBTC 3.93%

EFSC 0.00%

EFSCP -1.18%

EGBN 0.16%

EQBK 0.09%

ESBK 0.04%

ESQ -0.04%

ESSA 1.02%

ESXB -3.99%

FBIZ 3.53%

FBMS -0.81%

FBNC 0.06%

FCAP -1.35%

FCBC 0.08%

FCBP 0.83%

FCCO 1.10%

FCCY 3.81%

FCNCA 0.79%

FCNCO 0.23%

FCNCP -1.15%

FDBC 2.10%

FFBC 0.23%

FFBW 0.00%

FFIC 0.53%

FFIN -0.20%

FFNW -0.05%

FFWM 0.31%

FGBI 2.67%

FGBIP 0.16%

FHB 0.53%

FIBK -0.14%

FINW -0.58%

FISI -1.50%

FITB 0.62%

FITBI 0.46%

FITBO 1.13%

FITBP 0.39%

FLIC 1.40%

FMAO -2.45%

FMBH -0.49%

FMBI 2.77%

FMBIO -0.08%

FMBIP -0.34%

FMNB 0.16%

FNCB 5.30%

FNLC -0.04%

FNWB 0.00%

FNWD 0.20%

FRAF 0.11%

FRBA 0.47%

FRBK 60.00%

FRME 0.06%

FRST -0.05%

FSBC -0.91%

FSBW 7.11%

FSEA 0.00%

FSFG 0.45%

FULT -0.03%

FULTP 1.53%

FUNC 2.35%

FUSB 2.81%

FVCB 2.47%

FXNC 0.13%

GABC 0.14%

GBCI 0.15%

GBNY -0.10%

GCBC -4.54%

GFED 0.06%

GGAL -3.76%

GLBZ -0.89%

GNTY -0.89%

GSBC -0.72%

HAFC 0.00%

HBAN 0.87%

HBANM -0.46%

HBANN -0.08%

HBANO 0.08%

HBANP -0.65%

HBCP 3.95%

HBMD 0.00%

HBNC 0.57%

HBT 0.05%

HFBL 4.08%

HFWA 0.17%

HIFS -0.46%

HMNF 6.71%

HMST 0.35%

HNVR -1.82%

HOMB -0.06%

HONE -0.36%

HOPE 0.14%

HTBI -0.03%

HTBK -1.15%

HTLF 0.45%

HTLFP 0.50%

HVBC 2.06%

HWBK 1.64%

HWC -0.06%

IBCP -1.52%

IBOC 0.30%

IBTX 0.44%

ICBK 1.91%

INBK 0.64%

INDB 0.18%

ISTR 0.10%

KFFB 0.32%

KRNY -0.98%

LARK -0.31%

LBAI 1.13%

LBC 0.55%

LCNB -0.58%

LEVL -0.94%

LEVLP 0.23%

LKFN 0.06%

LMST 0.00%

LOB -0.86%

LSBK 0.40%

MBCN -4.28%

MBIN -0.49%

MBINN 1.06%

MBINO 0.90%

MBINP 0.16%

MBNKP 1.17%

MBWM -0.41%

MCBC -0.21%

MCBS -0.98%

MFNC 0.56%

MGYR 2.27%

MLVF -0.29%

MNSB -0.79%

MNSBP 1.02%

MOFG -1.20%

MPB 0.25%

MRBK 0.77%

MSBI 0.97%

MSVB 0.00%

MVBF 1.88%

MYFW -0.32%

NBN -0.12%

NBTB 0.47%

NCBS 0.35%

NECB 0.17%

NFBK -0.63%

NKSH 0.18%

NRIM 0.63%

NSTS -1.03%

NWBI 0.17%

NWFL -1.18%

OBNK 0.00%

OBT 6.08%

OCFC -0.31%

OCFCP 0.40%

ONB 0.03%

ONBPO 0.48%

ONBPP 1.22%

OPBK -0.99%

OPHC 0.70%

OPOF 0.82%

ORRF 0.99%

OSBC 0.10%

OVBC 0.13%

OVLY 3.05%

OZK -0.41%

OZKAP 0.32%

PACW -2.71%

PBBK 1.51%

PBFS 1.35%

PBHC -2.30%

PCB -1.86%

PDLB 0.11%

PEBK -2.88%

PEBO 0.03%

PFBC -0.28%

PFBI -0.34%

PFC 0.68%

PFHD -0.52%

PFIS 1.21%

PGC 0.18%

PKBK -1.40%

PLBC -1.47%

PMBC -1.16%

PNBK -1.07%

PNFP 0.65%

PNFPP -0.62%

PPBI 0.00%

PROV 1.05%

PTRS 0.99%

PVBC 0.20%

PWOD 1.56%

QCRH 0.03%

RBB 0.43%

RBCAA -0.95%

RBKB -2.93%

RBNC 1.40%

RIVE 1.44%

RMBI 0.09%

RNST 0.49%

RRBI 0.04%

RVSB 0.75%

SAL 1.57%

SASR 0.04%

SBCF -0.25%

SBFG 0.07%

SBNY 1.28%

SBNYP 0.00%

SBSI -0.33%

SBT 0.96%

SFBC 2.19%

SFBS 0.16%

SFNC 0.54%

SFST -0.44%

SHBI -0.17%

SIVB 0.00%

SIVBP 0.00%

SLCT 0.00%

SMBC 0.49%

SMBK -0.08%

SMMF -2.50%

SPFI 0.94%

SRCE 0.11%

SSB 0.27%

SSBI -5.82%

SSBK 0.00%

STBA -0.06%

STXB -0.23%

SVBI 1.55%

SYBT -0.03%

TBBK 0.66%

TBNK 0.56%

TCBC 1.93%

TCBI 0.52%

TCBIO 0.85%

TCBK -0.10%

TCBS 1.53%

TCBX 0.09%

TCFC -1.56%

TECTP 0.89%

TFSL 0.00%

THFF -0.34%

TOWN -0.07%

TRMK -0.10%

TRST 0.28%

TSBK 3.16%

TSCAP 0.00%

TSCBP -0.53%

UBCP 2.56%

UBFO 0.00%

UBOH 0.00%

UBSI 0.06%

UCBI -0.24%

UCBIO -0.55%

UMBF 0.46%

UMPQ 0.00%

UNB -0.09%

UNTY -1.18%

USCB 1.87%

UVSP -0.04%

VBFC 0.77%

VBNK -4.12%

VBTX -0.09%

VLY 0.86%

VLYPO 0.48%

VLYPP 1.64%

WABC -0.34%

WAFD -0.28%

WAFDP 0.07%

WASH -0.48%

WMPN -3.25%

WNEB 0.15%

WSBC 0.39%

WSBCP -0.16%

WSBF 0.63%

WSFS -0.30%

WTBA 0.00%

WTFC 0.61%

WTFCM -0.04%

WTFCP 0.73%

ZION 0.48%

ZIONO 0.32%

ZIONP 3.46%

Insider Trading

Date	Person	Action	Amount	type
2024-06-07	Pellegrino Frank G	Buy	237	Common Stock
2024-06-07	Shattuck Katherine W	Buy	109	Common Stock
2024-05-17	Reber John M	Buy	368	Common Stock
2024-05-23	Reber John M	Buy	129	Common Stock
2024-05-23	Hughes Mark A	Buy	256	Common Stock

INSIDER POWER
100.00
Last 99 transactions
Buy: 37 404 \| Sell: 0

Correlation (AI algo v.1.1b): Undervalued: 0.41% $17.79 paired level. (The Algo Track The Changes Of The Most Correlated Stocks In Realtime And Give An Instant Update)

Citizens & Northern Corp Correlation

10 Most Positive Correlations
BPRN	0.908
FFIE	0.907
ESCA	0.906
MBCN	0.904
PPBI	0.899
BMRC	0.899
MOB	0.896
TSBK	0.896
AIXI	0.895
UTMD	0.891

10 Most Negative Correlations
OZEM	-1
MSVB	-0.882
FLEX	-0.881
CDRO	-0.879
RILYO	-0.875
CPLSX	-0.874
ARQT	-0.874
OWL	-0.868
PRAX	-0.867
RENE	-0.865

Did You Know?

Correlation is a statistical measure that describes the relationship between two variables. It ranges from -1 to 1, where -1 indicates a perfect negative correlation (as one variable increases, the other decreases), 1 indicates a perfect positive correlation (as one variable increases, the other increases), and 0 indicates no correlation (there is no relationship between the variables).

Correlation can be used to analyze the relationship between any two variables, not just stocks. It's commonly used in fields such as finance, economics, psychology, and more.

Citizens & Northern Corp Financials

Annual	2023
Revenue:	$137.92M
Gross Profit:	$137.92M (100.00 %)
EPS:	$1.570

FY	2023
Revenue:	$137.92M
Gross Profit:	$137.92M (100.00 %)
EPS:	$1.570

FY	2022
Revenue:	$105.96M
Gross Profit:	$105.96M (100.00 %)
EPS:	$1.710

FY	2021
Revenue:	$102.39M
Gross Profit:	$0.00 (0.00 %)
EPS:	$2.30

Financial Reports:

No articles found.

Citizens & Northern Corp Dividends

(Q3/22)	(Q4/22)	(Q1/23)	(Q2/23)	(Q3/23)	(Q4/23)	(Q1/24)	(Q2/24)	(Q3/24)	(Q4/24)
$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0.280 (N/A)	$0 (N/A)	$0 (N/A)

Citizens & Northern Corp Dividend Information - Dividend King

Dividend Sustainability Score: 5.41 - average (47.64%) | Divividend Growth Potential Score: 5.03 - Stable (0.61%)

Very Unsafe

High risk of being cut

Unsafe

Heightened risk of being cut

Borderline

Moderate risk of being cut

Safe

Unlikely to be cut

Very Safe

Very unlikely to be cut

Information

First Dividend	$0.0954	1994-09-26
Last Dividend	$0.280	2024-05-03
Next Dividend	$0	N/A
Payout Date	2024-05-17
Next Payout Date	N/A
# dividends	97	--
Total Paid Out	$21.81	--
Avg. Dividend % Per Year	3.97%	--
Score	5.63	--
Div. Sustainability Score	5.41
Div.Growth Potential Score	5.03
Div. Directional Score	5.22	--

Next Divdend (Est)
(2024-08-12)

$0.283 Estimate 71.31 %

Dividend Stability

0.95 Excellent

Dividend Score

5.63

Pay Frequency

Quarterly

Yearly Payout

Year	Amount	Yield
1994	$0.0954	0.88%
1995	$0.401	3.77%
1996	$0.105	0.91%
1997	$0	0.00%
1998	$0	0.00%
1999	$0.149	0.70%
2000	$0.163	0.97%
2001	$0.502	4.00%
2002	$0.738	4.61%
2003	$0.538	2.73%
2004	$0.428	1.68%
2005	$0.902	3.44%
2006	$0.938	3.70%
2007	$0.951	4.37%
2008	$0.960	5.43%
2009	$0.720	3.62%
2010	$0.390	4.04%
2011	$0.580	3.81%
2012	$0.840	4.45%
2013	$1.000	5.25%
2014	$1.040	5.10%
2015	$1.040	5.00%
2016	$1.040	5.13%
2017	$1.040	3.99%
2018	$1.080	4.49%
2019	$1.180	4.48%
2020	$1.080	3.83%
2021	$1.110	5.49%
2022	$1.120	4.30%
2023	$1.120	4.90%
2024	$0.560	2.46%

Dividend Commentary

With a moderate Dividend Sustainability Score (DSS), the company may sustain its dividends, but continuous monitoring is advised for any financial shifts. However, its Dividend Growth Potential Score (DGPS) is only moderate, indicating limited growth potential. On the whole, the dividend outlook remains neutral, meriting close observation of both the company's financial health and growth prospects.

Dividend History

Ex Date	Amount	Declaration Date	Record Date	Payment Date
03 May 2024	$0.280	25 Apr 2024	06 May 2024	17 May 2024
26 Jan 2024	$0.280	18 Jan 2024	29 Jan 2024	09 Feb 2024
27 Oct 2023	$0.280	19 Oct 2023	30 Oct 2023	10 Nov 2023
28 Jul 2023	$0.280	20 Jul 2023	31 Jul 2023	11 Aug 2023
28 Apr 2023	$0.280	20 Apr 2023	01 May 2023	12 May 2023
02 Feb 2023	$0.280	19 Jan 2023	03 Feb 2023	14 Feb 2023
28 Oct 2022	$0.280	20 Oct 2022	31 Oct 2022	11 Nov 2022
29 Jul 2022	$0.280	21 Jul 2022	01 Aug 2022	12 Aug 2022
29 Apr 2022	$0.280	21 Apr 2022	02 May 2022	13 May 2022
28 Jan 2022	$0.280	20 Jan 2022	31 Jan 2022	11 Feb 2022
29 Oct 2021	$0.280	21 Oct 2021	01 Nov 2021	12 Nov 2021
30 Jul 2021	$0.280	22 Jul 2021	02 Aug 2021	13 Aug 2021
30 Apr 2021	$0.280	22 Apr 2021	03 May 2021	14 May 2021
29 Jan 2021	$0.270	21 Jan 2021	01 Feb 2021	12 Feb 2021
30 Oct 2020	$0.270	22 Oct 2020	02 Nov 2020	13 Nov 2020
24 Jul 2020	$0.270	16 Jul 2020	27 Jul 2020	07 Aug 2020
24 Apr 2020	$0.270	16 Apr 2020	27 Apr 2020	08 May 2020
24 Jan 2020	$0.270	16 Jan 2020	27 Jan 2020	07 Feb 2020
25 Oct 2019	$0.270	17 Oct 2019	28 Oct 2019	08 Nov 2019
26 Jul 2019	$0.270	18 Jul 2019	29 Jul 2019	09 Aug 2019

Top 10 dividend Companies for NASDAQ

Symbol	Title	Last dividend	Frequency	Years Dividend	Yearly Dividend	Score
OXLC	Dividend Diamond	2024-09-16	Monthly	14	15.03%	9.60
DMLP	Dividend Diamond	2024-04-26	Quarterly	22	10.71%	9.35
OXSQ	Dividend Diamond	2024-09-16	Monthly	21	12.73%	9.02
ARLP	Dividend Royal	2024-05-07	Quarterly	26	9.67%	8.87
PNNT	Dividend Royal	2024-06-14	Monthly	18	9.49%	8.82
MFIC	Dividend Royal	2024-06-11	Quarterly	21	10.89%	8.79
SPOK	Dividend Royal	2024-05-23	Quarterly	20	8.73%	8.72
PSEC	Dividend Royal	2024-06-25	Monthly	21	9.03%	8.65
SBLK	Dividend Royal	2024-06-06	Quarterly	17	13.10%	8.63
GBDC	Dividend Royal	2024-11-29	Bi-Monthly	15	8.53%	8.62

Dividend Sustainability Score (DSS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
netProfitMarginTTM	0.185	1.500	6.29	9.44	[0 - 0.5]
returnOnAssetsTTM	0.00919	1.200	9.69	10.00	[0 - 0.3]
returnOnEquityTTM	0.0917	1.500	-0.0925	-0.139	[0.1 - 1]
payoutRatioTTM	0.668	-1.000	3.32	-3.32	[0 - 1]
currentRatioTTM	0.0813	0.800	-4.59	-3.67	[1 - 3]
quickRatioTTM	0.665	0.800	-0.797	-0.638	[0.8 - 2.5]
cashRatioTTM	0.0670	1.500	-0.739	-1.109	[0.2 - 2]
debtRatioTTM	0.0940	-1.500	8.43	-10.00	[0 - 0.6]
interestCoverageTTM	1.768	1.000	-0.456	-0.456	[3 - 30]
operatingCashFlowPerShareTTM	1.899	2.00	9.37	10.00	[0 - 30]
freeCashFlowPerShareTTM	-0.251	2.00	-0.125	-0.251	[0 - 20]
debtEquityRatioTTM	0.907	-1.500	6.37	-9.56	[0 - 2.5]
grossProfitMarginTTM	1.000	1.000	10.00	10.00	[0.2 - 0.8]
operatingProfitMarginTTM	0.429	1.000	3.41	3.41	[0.1 - 0.6]
cashFlowToDebtRatioTTM	0.122	1.000	-0.434	-0.434	[0.2 - 2]
assetTurnoverTTM	0.0496	0.800	-3.00	-2.40	[0.5 - 2]
Total Score				5.41

Dividend Growth Score (DGS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
peRatioTTM	11.74	1.000	8.91	0	[1 - 100]
returnOnEquityTTM	0.0917	2.50	-0.0595	-0.139	[0.1 - 1.5]
freeCashFlowPerShareTTM	-0.251	2.00	-0.0835	-0.251	[0 - 30]
dividendYielPercentageTTM	6.26	1.500	10.00	0	[0 - 0.4]
operatingCashFlowPerShareTTM	1.899	2.00	9.37	10.00	[0 - 30]
payoutRatioTTM	0.668	1.500	3.32	-3.32	[0 - 1]
pegRatioTTM	0.657	1.500	8.95	0	[0.5 - 2]
operatingCashFlowSalesRatioTTM	0.231	1.000	6.73	0	[0.1 - 0.5]
Total Score				5.03

Citizens & Northern Corp Options Data

Calls

Contract Name	Last Trade Date (EDT)	Strike	Last Price	Bid	Ask	Change	% Change	Volume	Open Interest	Implied Volatility	Strike Date
No data available

Puts

Contract Name	Last Trade Date (EDT)	Strike	Last Price	Bid	Ask	Change	% Change	Volume	Open Interest	Implied Volatility	Strike Date
No data available

Citizens & Northern Corp

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.