RevenueNet IncomeP/EP/SEBITDividendStocksMarket capitalizationDebtLiabilitiesEquityAAQSEmployeesROEROAROCE
Citizens & Northern Stock

Citizens & Northern ROE 2024

Citizens & Northern ROE

0.09

Ticker

CZNC

ISIN

US1729221069

WKN

A0DPS7

In 2024, Citizens & Northern's return on equity (ROE) was 0.09, a -13.76% increase from the 0.11 ROE in the previous year.

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.

ROE Details

Decoding Citizens & Northern's Return on Equity (ROE)

Citizens & Northern's Return on Equity (ROE) is a fundamental metric evaluating the company's profitability relative to its equity. Calculated by dividing net income by shareholder's equity, ROE illustrates how effectively the company is generating profits from shareholders’ investments. A higher ROE represents enhanced efficiency and profitability.

Year-to-Year Comparison

Analyzing Citizens & Northern's ROE on a yearly basis aids in tracking its profitability trends and financial performance. An increasing ROE suggests enhanced profitability and value generation for shareholders, whereas a declining ROE may indicate issues in profit generation or equity management.

Impact on Investments

Citizens & Northern's ROE is instrumental for investors assessing the company's profitability, efficiency, and investment attractiveness. A robust ROE indicates the firm’s adeptness at converting equity investments into profits, thereby enhancing its appeal to potential and current investors.

Interpreting ROE Fluctuations

Changes in Citizens & Northern’s ROE can emanate from variations in net income, equity capital, or both. These fluctuations are scrutinized to evaluate management’s effectiveness, financial strategies, and the inherent risks and opportunities, aiding investors in making informed decisions.

Frequently Asked Questions about Citizens & Northern stock

What is the ROE (Return on Equity) of Citizens & Northern this year?

The ROE of Citizens & Northern this year is 0.09 undefined.

How has the Return on Equity (ROE) of Citizens & Northern developed compared to the previous year?

The ROE of Citizens & Northern has increased by -13.76% decreased compared to the previous year.

What impact does a high ROE (Return on Equity) have on investors of Citizens & Northern?

A high ROE indicates that Citizens & Northern generates good returns on capital and is successful in monetizing its investments. This is a positive indicator for investors.

What impact does a low ROE (Return on Equity) have on investors of Citizens & Northern?

A low ROE can indicate that Citizens & Northern is having difficulties monetizing its investments successfully and can be a negative signal for investors.

How does a change in the ROE (Return on Equity) of Citizens & Northern affect the company?

A change in ROE (Return on Equity) of Citizens & Northern can be an indicator of the financial performance of the company and demonstrate how successful the company is compared to other companies in the same industry.

How to calculate the ROE (Return on Equity) of Citizens & Northern?

The ROE (Return on Equity) is calculated by dividing the company's profit by the total equity. The formula is: ROE = Profit / Total equity.

Which factors influence the ROE (Return on Equity) of Citizens & Northern?

Some factors that can influence Citizens & Northern's Return on Equity (ROE) include the efficiency in using equity, the profitability of the company, and the financing structure.

What strategic measures can take to improve the ROE (Return on Equity)?

To improve the Return on Equity (ROE), can take measures such as cost savings, increasing revenue, improving efficiency in the use of equity, and making changes in the financing structure. It is important for the company to conduct a thorough review of its financial situation to determine the best strategic actions to improve ROE.

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.

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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.