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Commentary (31 May 2024 @ 16:00):

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	9 591.00
Average Volume	23 103.00
Market Cap	269.54M
EPS	$0.350 ( 2024-05-10 )
Next earnings date	( $0.380 ) 2024-07-18
Last Dividend	$0.280 ( 2024-01-26 )
Next Dividend	$0 ( N/A )
P/E	11.53
ATR14	$0.0770 (0.44%)

Insider Trading

Date	Person	Action	Amount	type
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
2024-05-23	Hoose Harold F Iii	Buy	218	Common Stock
2024-05-17	Cwiklinski Kelley A	Buy	230	Common Stock

INSIDER POWER
100.00
Last 99 transactions
Buy: 38 137 \| Sell: 0

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 (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 (0.66%)

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	5.45	--
Div. Sustainability Score	5.41
Div.Growth Potential Score	5.03
Div. Directional Score	5.22	--

Next Divdend (Est)
(2024-09-19)

$0.283 Estimate 59.40 %

Dividend Stability

0.95 Excellent

Dividend Score

5.45

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. 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.

Top 10 dividend Companies for NASDAQ

Symbol	Title	Last dividend	Frequency	Years Dividend	Yearly Dividend	Score
OXLC	Dividend Diamond	2023-12-14	Monthly	14	10.00%	8.50
GAIN	Dividend Royal	2023-12-04	Monthly	20	8.19%	8.50
OXSQ	Dividend Royal	2023-12-14	Monthly	21	9.10%	8.50
GLDI	Dividend Royal	2023-11-20	Monthly	12	7.15%	8.50
PSEC	Dividend Royal	2023-12-26	Monthly	21	7.04%	8.50
QYLD	Dividend Royal	2023-11-20	Monthly	11	7.50%	8.50
SLVO	Dividend Royal	2023-11-20	Monthly	12	10.77%	8.50
HRZN	Dividend Royal	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	0.185	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	11.51	1.000	8.94	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	6.39	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	0.644	1.500	9.04	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.