Citizens & Northern Debt 2024

Citizens & Northern Aktienanalyse

What does Citizens & Northern do?

Citizens & Northern Corp (C&N) is a US bank holding company based in Wellsboro, Pennsylvania. The company was founded in 1864 as The First National Bank of Wellsboro and later changed its name to the current one. Since its establishment, the company has continued to evolve and has become a leading financial institution in the region. C&N's business model focuses on offering a comprehensive range of financial products and services to individuals, businesses, and institutions. The bank has its focus on loans, deposits, mortgages, asset management, and insurance services. The bank provides loans for home purchases, cars, commercial real estate, and agricultural businesses. Additionally, customers can also choose various types of deposits such as certificates of deposit, checking accounts, and online savings programs. Asset management includes investment options such as mutual funds and pensions. The insurance business includes policies for individual and business customers as well as health insurance. C&N also operates a wealth management business for affluent clients. In this aspect, the company assists these clients in managing their wealth and offers a wide range of services such as tax planning, foundation establishment, succession planning, and risk assessment. The bank operates approximately 26 branches in northeastern Pennsylvania and southwestern New York, where the company offers its services. C&N emphasizes personal customer contact and relies on long-term relationships with its customers. The bank's employees ensure that customers receive tailored services for their needs and concerns and feel comfortable at the bank. C&N divides its business into three areas: retail banking, business banking, and wealth management. The retail banking division offers services for individual customers, while the business banking division is intended for commercial customers. Wealth management targets customers with higher wealth. C&N's retail banking division offers a wide range of products and services for individual customers. These include checking accounts, loans, credit cards, savings accounts, and more. A particular focus is on offering banking services that make customers' daily lives easier. For example, C&N offers online banking, mobile banking, paperless transactions, and interest savings for regular saving. C&N's business banking division provides services to businesses with annual revenues of up to $25 million. The company focuses on offering loans and savings accounts for corporate customers. The focus is on tailored solutions for businesses to efficiently use their capital. C&N's wealth management division offers a wide range of services to high-net-worth clients by assisting them in managing their wealth. Wealth management employees help create wealth plans, succession plans, foundation establishment, and tax planning for high-net-worth clients. Overall, Citizens & Northern Corp has become a leading financial institution that supports customers in the region as a trusted partner in achieving their financial goals and dreams. With a tailored approach for each customer and innovative banking solutions, the company continues to evolve to meet the needs of its customers. Citizens & Northern ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Debt Details

Understanding Citizens & Northern's Debt Structure

Citizens & Northern's total debt refers to the cumulative financial obligations the company owes to external parties. This can include short-term and long-term borrowings, bonds, loans, and other financial instruments. Assessing the company's debt levels is crucial for evaluating its financial health, risk profile, and ability to fund operations and expansions.

Year-to-Year Comparison

Analyzing Citizens & Northern's debt structure over the years provides insights into the firm’s financial strategy and stability. A reduction in debt can indicate financial strength and operational efficiency, while an increase may signal growth investments or potential financial challenges ahead.

Impact on Investments

Investors pay close attention to Citizens & Northern’s debt levels as they can influence the company’s risk and return profiles. Excessive debt can lead to financial strain, while moderate and well-managed debt can be a catalyst for growth and expansion, making it a critical aspect of investment evaluations.

Interpreting Debt Fluctuations

Shifts in Citizens & Northern’s debt levels can be attributed to various operational and strategic factors. An increase in debt might be geared towards funding expansion projects or enhancing operational capacity, while a decrease may indicate profit realizations or an approach to minimize financial risk and leverage.

Frequently Asked Questions about Citizens & Northern stock

What is the debt of Citizens & Northern this year?

Citizens & Northern has a debt level of 41.92 USD this year.

What was the debt of Citizens & Northern compared to the previous year?

The debt of Citizens & Northern has increased by -1.13% compared to the previous year dropped.

What are the consequences of high debt for investors in Citizens & Northern?

High debt can pose a risk for investors of Citizens & Northern, as it can weaken the company's financial position and hinder its ability to fulfill its obligations.

What are the consequences of low debt for investors of Citizens & Northern?

Low debt means that Citizens & Northern has a strong financial position and is able to fulfill its obligations without overburdening its finances.

How does an increase in debt from Citizens & Northern affect the company?

An increase in debt of Citizens & Northern can adversely affect the financial condition of the company and result in a higher burden on its finances.

How does a reduction of debt of Citizens & Northern affect the company?

A reduction in debt of Citizens & Northern can strengthen the company's financial position and improve its ability to meet its financial obligations.

What are some factors that influence the debt of Citizens & Northern?

Some factors that can influence the debt of Citizens & Northern include investments, acquisitions, operating costs, and revenue development.

Why are the debts of Citizens & Northern so important for investors?

The debts of Citizens & Northern are important for investors as they serve as an indicator of the company's financial stability. It provides investors with information on how the company fulfills its financial obligations.

What strategic measures can Citizens & Northern take to change the debt?

To change the debt, Citizens & Northern can take measures such as cost savings, increasing revenue, selling assets, making investments, or forming partnerships. It is important for the company to conduct a thorough review of its financial situation to determine the best strategic actions to change its debt.

How much dividend does Citizens & Northern pay?

Over the past 12 months, Citizens & Northern paid a dividend of 1.12 USD . This corresponds to a dividend yield of about 5.95 %. For the coming 12 months, Citizens & Northern is expected to pay a dividend of 1.16 USD.

What is the dividend yield of Citizens & Northern?

The current dividend yield of Citizens & Northern is 5.95 %.

When does Citizens & Northern pay dividends?

Citizens & Northern pays a quarterly dividend. This is distributed in the months of February, June, August, November.

How secure is the dividend of Citizens & Northern?

Citizens & Northern paid dividends every year for the past 23 years.

What is the dividend of Citizens & Northern?

For the upcoming 12 months, dividends amounting to 1.16 USD are expected. This corresponds to a dividend yield of 6.17 %.

In which sector is Citizens & Northern located?

Citizens & Northern is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Citizens & Northern kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Citizens & Northern from 11/8/2024 amounting to 0.28 USD, you needed to have the stock in your portfolio before the ex-date on 10/28/2024.

When did Citizens & Northern pay the last dividend?

The last dividend was paid out on 11/8/2024.

What was the dividend of Citizens & Northern in the year 2023?

In the year 2023, Citizens & Northern distributed 1.12 USD as dividends.

In which currency does Citizens & Northern pay out the dividend?

The dividends of Citizens & Northern are distributed in USD.