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Commentary (25 Apr 2024 @ 15:16):

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	5 061.00
Average Volume	24 637.00
Market Cap	272.35M
EPS	$0 ( 2024-04-18 )
Next earnings date	( $0.340 ) 2024-05-03
Last Dividend	$0.280 ( 2024-01-26 )
Next Dividend	$0 ( N/A )
P/E	11.28
ATR14	$0.157 (0.89%)

Insider Trading

Date	Person	Action	Amount	type
2024-04-08	Shattuck Katherine W	Buy	467	Common Stock
2024-04-08	Pellegrino Frank G	Buy	489	Common Stock
2024-04-08	Loughery Robert G	Buy	274	Common Stock
2024-03-08	Pellegrino Frank G	Buy	94	Common Stock
2024-03-08	Shattuck Katherine W	Buy	94	Common Stock

INSIDER POWER
72.69
Last 99 transactions
Buy: 61 326 \| Sell: 9 957

Citizens & Northern Corp Correlation

10 Most Positive Correlations
HOUR	0.942
WATT	0.94
FCBC	0.938
HONE	0.935
FSFG	0.933
SLN	0.93
MDRX	0.928
AKTX	0.925
FARM	0.925
SGMO	0.924

10 Most Negative Correlations
ZEUS	-0.961
MCFT	-0.953
ARYD	-0.946
VCXA	-0.944
MLAI	-0.943
NSIT	-0.938
SLAM	-0.938
LSCC	-0.937
TZPS	-0.936
TCMD	-0.934

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

Q4	2023
Revenue:	$35.91M
Gross Profit:	$35.91M (100.00 %)
EPS:	$0.280

Q3	2023
Revenue:	$25.65M
Gross Profit:	$25.65M (100.00 %)
EPS:	$0.500

Q2	2023
Revenue:	$26.60M
Gross Profit:	$26.60M (100.00 %)
EPS:	$0.390

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 (N/A)	$0 (N/A)	$0 (N/A)

Citizens & Northern Corp Dividend Information - Dividend King

Dividend Sustainability Score: 6.26 - average (75.60%) | Divividend Growth Potential Score: 3.96 - Decrease likely (20.88%)

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	2024-01-26
Next Dividend	$0	N/A
Payout Date	2024-02-09
Next Payout Date	N/A
# dividends	96	--
Total Paid Out	$21.53	--
Avg. Dividend % Per Year	3.56%	--
Score	5.42	--
Div. Sustainability Score	6.26
Div.Growth Potential Score	3.96
Div. Directional Score	5.11	--

Next Divdend (Est)
(2024-05-13)

$0.283 Estimate 59.40 %

Dividend Stability

0.95 Excellent

Dividend Score

5.42

Pay Frequency

Quarterly

Yearly Payout

Year	Amount	Yield
1994	$0.0954	0.88%
1995	$0.401	3.77%
1996	$0.105	0.87%
1997	$0	0.00%
1998	$0	0.00%
1999	$0.149	0.69%
2000	$0.163	0.97%
2001	$0.502	4.00%
2002	$0.738	4.56%
2003	$0.538	2.70%
2004	$0.428	1.66%
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	$0.280	1.23%

Dividend Commentary

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

Top 10 dividend Companies for NASDAQ

Symbol	Title	Last dividend	Frequency	Years Dividend	Yearly Dividend	Score
GLDI	Dividend Royal	2023-11-20	Monthly	12	7.15%	8.50
OXLC	Dividend Royal	2023-12-14	Monthly	14	10.00%	8.50
QYLD	Dividend Royal	2023-11-20	Monthly	11	7.50%	8.50
PSEC	Dividend Royal	2023-12-26	Monthly	21	7.04%	8.50
SLVO	Dividend Royal	2023-11-20	Monthly	12	10.77%	8.50
OXSQ	Dividend Diamond	2023-12-14	Monthly	21	9.10%	8.50
GAIN	Dividend Royal	2023-12-04	Monthly	20	8.19%	8.50
HRZN	Dividend King	2023-12-18	Monthly	15	6.60%	8.45
USOI	Dividend Royal	2023-11-20	Monthly	8	16.70%	8.28
PFLT	Dividend King	2023-11-15	Monthly	14	6.50%	8.27

Dividend Sustainability Score (DSS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
netProfitMarginTTM	0.211	1.500	5.78	8.68	[0 - 0.5]
returnOnAssetsTTM	0.00959	1.200	9.68	10.00	[0 - 0.3]
returnOnEquityTTM	0.0960	1.500	-0.0446	-0.0668	[0.1 - 1]
payoutRatioTTM	0.645	-1.000	3.55	-3.55	[0 - 1]
currentRatioTTM	0.0783	0.800	-4.61	-3.69	[1 - 3]
quickRatioTTM	0.568	0.800	-1.367	-1.094	[0.8 - 2.5]
cashRatioTTM	0.0670	1.500	-0.739	-1.108	[0.2 - 2]
debtRatioTTM	0.0843	-1.500	8.59	-10.00	[0 - 0.6]
interestCoverageTTM	2.44	1.000	-0.207	-0.207	[3 - 30]
operatingCashFlowPerShareTTM	2.16	2.00	9.28	10.00	[0 - 30]
freeCashFlowPerShareTTM	0.0382	2.00	9.98	10.00	[0 - 20]
debtEquityRatioTTM	0.809	-1.500	6.76	-10.00	[0 - 2.5]
grossProfitMarginTTM	1.000	1.000	10.00	10.00	[0.2 - 0.8]
operatingProfitMarginTTM	0.521	1.000	1.572	1.572	[0.1 - 0.6]
cashFlowToDebtRatioTTM	0.155	1.000	-0.252	-0.252	[0.2 - 2]
assetTurnoverTTM	0.0455	0.800	-3.03	-2.42	[0.5 - 2]
Total Score				6.26

Dividend Growth Score (DGS)

Ratio	Actual Value	Weight	Normalized Value	Score	Range
peRatioTTM	11.22	1.000	8.97	0	[1 - 100]
returnOnEquityTTM	0.0960	2.50	-0.0286	-0.0668	[0.1 - 1.5]
freeCashFlowPerShareTTM	0.0382	2.00	9.99	10.00	[0 - 30]
dividendYielPercentageTTM	6.27	1.500	10.00	0	[0 - 0.4]
operatingCashFlowPerShareTTM	2.16	2.00	9.28	10.00	[0 - 30]
payoutRatioTTM	0.645	1.500	3.55	-3.55	[0 - 1]
pegRatioTTM	-3.03	1.500	-10.00	0	[0.5 - 2]
operatingCashFlowSalesRatioTTM	0.287	1.000	5.33	0	[0.1 - 0.5]
Total Score				3.96

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.