RevenueNet IncomeP/EP/SEBITDividendStocksMarket capitalizationDebtLiabilitiesEquityAAQSEmployeesROEROAROCE
Citizens & Northern - Stock

Citizens & Northern Net Income 2024

Citizens & Northern Net Income

24.47 M USD

Ticker

CZNC

ISIN

US1729221069

WKN

A0DPS7

In 2024, Citizens & Northern's profit amounted to 24.47 M USD, a 2.13% increase from the 23.96 M USD profit recorded in the previous year.

The Citizens & Northern Net Income history

YEARNET INCOME (undefined USD)
2025e27.14
2024e24.47
202323.96
202226.4
202130.3
202019.1
201919.4
201821.9
201713.4
201615.8
201516.5
201417.1
201318.6
201222.7
201123.4
201017.6
2009-40.8
200810.1
200710.4
200612
200513
200414.9

Citizens & Northern Revenue, EBIT, Net Income

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Revenue
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Citizens & Northern, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Citizens & Northern from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Citizens & Northern’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Citizens & Northern. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Citizens & Northern’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Citizens & Northern’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Citizens & Northern’s growth potential.

Citizens & Northern Revenue, Profit, and EBIT History

DateCitizens & Northern RevenueCitizens & Northern Net Income
2025e115.42 M undefined27.14 M undefined
2024e108.69 M undefined24.47 M undefined
2023137.92 M undefined23.96 M undefined
2022117 M undefined26.4 M undefined
2021110.4 M undefined30.3 M undefined
2020101.8 M undefined19.1 M undefined
201984.1 M undefined19.4 M undefined
201870.9 M undefined21.9 M undefined
201762.3 M undefined13.4 M undefined
201660.8 M undefined15.8 M undefined
201562.8 M undefined16.5 M undefined
201462.5 M undefined17.1 M undefined
201367.1 M undefined18.6 M undefined
201275.7 M undefined22.7 M undefined
201177.4 M undefined23.4 M undefined
201076.8 M undefined17.6 M undefined
2009-2.8 M undefined-40.8 M undefined
200878 M undefined10.1 M undefined
200780.8 M undefined10.4 M undefined
200677.9 M undefined12 M undefined
200572.4 M undefined13 M undefined
200467.7 M undefined14.9 M undefined

Citizens & Northern stock margins

The Citizens & Northern margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Citizens & Northern. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Citizens & Northern.

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Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Citizens & Northern's sales revenue. A higher gross margin percentage indicates that the Citizens & Northern retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Citizens & Northern's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Citizens & Northern's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Citizens & Northern's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Citizens & Northern. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Citizens & Northern's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Citizens & Northern Margin History

DateCitizens & Northern Profit margin
2025e23.51 %
2024e22.52 %
202317.37 %
202222.56 %
202127.45 %
202018.76 %
201923.07 %
201830.89 %
201721.51 %
201625.99 %
201526.27 %
201427.36 %
201327.72 %
201229.99 %
201130.23 %
201022.92 %
20091,457.14 %
200812.95 %
200712.87 %
200615.4 %
200517.96 %
200422.01 %

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.

Net Income Details

Understanding Citizens & Northern's Profit Margins

The profit margins of Citizens & Northern represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of Citizens & Northern's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating Citizens & Northern's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

Citizens & Northern's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When Citizens & Northern’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about Citizens & Northern Stock

How much profit has Citizens & Northern made this year?

Citizens & Northern has made 24.47 M USD this year.

How has the profit developed compared to last year?

The profit has increased by 2.13% compared to last year increased

What impact do the earnings have on the shareholders?

An increase in earnings is usually seen as a positive indicator for shareholders as it means that the company is generating profits.

How does Citizens & Northern publish its earnings?

Citizens & Northern publishes its earnings in the form of quarterly or annual reports.

Which financial indicators are included in the quarterly or annual reports?

The quarterly or annual reports contain information about sales and profit, cash flow, balance sheet, and other fundamentals.

Why is it important for investors to know the earnings of Citizens & Northern?

The profits of Citizens & Northern are an important indicator of the financial health of the company and can help investors decide whether they want to invest in the company or not.

How can one learn more about the earnings of Citizens & Northern?

You can learn more about the earnings of Citizens & Northern by reviewing the quarterly or annual reports or following the company presentations.

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 6.67 %. 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 6.67 %.

When does Citizens & Northern pay dividends?

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

How secure is the dividend of Citizens & Northern?

Citizens & Northern paid dividends every year for the past 22 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 6.91 %.

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 5/17/2024 amounting to 0.28 USD, you needed to have the stock in your portfolio before the ex-date on 5/3/2024.

When did Citizens & Northern pay the last dividend?

The last dividend was paid out on 5/17/2024.

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.

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Andere Kennzahlen von Citizens & Northern

Our stock analysis for Citizens & Northern Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens & Northern Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.