Citizens & Northern Corporation (CZNC)

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Citizens & Northern Corporation (CZNC) is up 9.5% since the beginning of the year. At $22 per share, CZNC is trading 10.6% below its 52-week high of $24. Investors who bought $1,000 worth of CZNC shares 5 years ago would now be looking at an investment worth $1,108.

Citizens & Northern Corporation (CZNC) has returned 9.54% so far this year and 24.05% over the past 12 months. Over the last ten years, CZNC has returned 5.65% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.

Based on dividend-adjusted daily data since May 30, 1996, CZNC's average daily return is +0.05%, while the average monthly return is +0.71%. At this rate, an investment would double in approximately 8.2 years.

Historically, 53% of months were positive and 47% were negative. The best month was Jul 2008 with a return of +44.3%, while the worst month was Nov 2009 at -28.2%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 8 months.

On a daily basis, CZNC closed higher 42% of trading days. The best single day was Mar 17, 2020 with a return of +27.9%, while the worst single day was Jan 20, 2009 at -19.0%.

Citizens & Northern Corporation has an annualized alpha of 5.41%, beta of 0.70, and R2 of 0.14 versus S&P 500 Index. Calculated based on daily prices since May 30, 1996.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (41.53%) than losses (40.48%) - typical of diversified or defensive assets.
• R2 of 0.14 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CZNC ranks 70 for risk / return — better than 70% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

Citizens & Northern Corporation provided a 5.20% dividend yield over the last twelve months, with an annual payout of $1.12 per share. The company has been increasing its dividends for 15 consecutive years.

The table displays the monthly dividend distributions for Citizens & Northern Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens & Northern Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens & Northern Corporation was 72.50%, occurring on Nov 27, 2009. Recovery took 1719 trading sessions.

The current Citizens & Northern Corporation drawdown is 8.73%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens & Northern Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens & Northern Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.