Jul 2▼ RSI OverboughtRSI 72.0, above 70, stock may be overbought
About Citizens & Northern Corporation
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Valued at $418.2M, CZNC is a small-cap name in its sector. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit.
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On the balance sheet, CZNC has $56.0M in cash with $194.2M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 5.6% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.6% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $106.0M to $120.8M.
With a beta below 0.7, Citizens & Northern Corporation typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Citizens & Northern Corporation and its sector.