Shelley DHaene - Citizens Northern President

CZNC Stock  USD 18.77  0.67  3.70%   

President

Ms. Shelley L. DHaene is Executive Vice President and Senior Operations Officer of the Bank since January 2015 since 2015.
Age 63
Tenure 9 years
Address 90-92 Main Street, Wellsboro, PA, United States, 16901
Phone570 724 3411
Webhttps://www.cnbankpa.com
D'Haene is formerly Executive Vice President and Director of Alternate Delivery Channels of the Bank since January 2013, and Vice President and Cash Management Coordinator of the Bank since February 2006. .

Citizens Northern Management Efficiency

The current year's Return On Capital Employed is expected to grow to 0.07. The current year's Return On Assets is expected to grow to 0.01. At present, Citizens Northern's Non Currrent Assets Other are projected to increase significantly based on the last few years of reporting. The current year's Fixed Asset Turnover is expected to grow to 5.75, whereas Total Assets are forecasted to decline to about 1.4 B. Citizens Northern's management efficiency ratios could be used to measure how well Citizens Northern manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 215.33 M in liabilities with Debt to Equity (D/E) ratio of 0.14, which may suggest the company is not taking enough advantage from borrowing. Debt can assist Citizens Northern until it has trouble settling it off, either with new capital or with free cash flow. So, Citizens Northern's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Citizens Northern Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Citizens to invest in growth at high rates of return. When we think about Citizens Northern's use of debt, we should always consider it together with cash and equity.

Similar Executives

Showing other executives

PRESIDENT Age

Bryan BarkerMacatawa Bank
N/A
Michael DuryMerchants Bancorp
33
Jeffery ScottMerchants Bancorp
N/A
Thomas ConstantineAxos Financial
62
Martin SchroeterMerchants Bancorp
62
Michael MBAMerchants Bancorp
39
Andrew MichelettiAxos Financial
63
Terry OznickMerchants Bancorp
40
Susan KucerMerchants Bancorp
69
Jeff SimeAxos Financial
59
David ParkAxos Financial
41
Richard BelserMerchants Bancorp
67
Bill BuchananMerchants Bancorp
58
Derrick WalshAxos Financial
38
Michael DunlapMerchants Bancorp
58
Jerry KoorsMerchants Bancorp
54
Kevin LangfordMerchants Bancorp
56
Eshel BarAdonAxos Financial
69
Raymond MatsumotoAxos Financial
68
Brian SwansonAxos Financial
44
Scott EvansMerchants Bancorp
59
Citizens Northern Corporation operates as the bank holding company for Citizens Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company was founded in 1864 and is based in Wellsboro, Pennsylvania. Citizens Nrthn operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 412 people. Citizens Northern Corp (CZNC) is traded on NASDAQ Exchange in USA. It is located in 90-92 Main Street, Wellsboro, PA, United States, 16901 and employs 404 people. Citizens Northern is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Citizens Northern Corp Leadership Team

Elected by the shareholders, the Citizens Northern's board of directors comprises two types of representatives: Citizens Northern inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Northern's management team and ensure that shareholders' interests are well served. Citizens Northern's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Northern's outside directors are responsible for providing unbiased perspectives on the board's policies.
Aaron Singer, President CEO, Director
Bradley Scovill, CEO President
J Scovill, President CEO, Director of Company & Bank
Jan Fisher, Independent Director
Frank Pellegrino, Director
Dennis Beardslee, Independent Director
Skye Mahosky, Corporate Secretary
George Raup, CIO, Executive VP, CIO of CandN Bank and Executive VP of CandN Bank
Leonard Simpson, Independent Director
Harold Hoose, Executive Vice President and Director - Lending of Citizens & Northern Bank
Edward Owlett, Independent Director
Anthony Peluso, VP of Citizens and Northern Bank and Controller of Citizens and Northern Bank
Kelley Cwiklinski, Executive Officer
Glenn Esq, Corporate Secretary
Thomas Rudy, Executive Vice President and Director - Branch Delivery of Citizens & Northern Bank
Shelley DHaene, Executive Vice President and Director - Alternate Delivery Channels of Citizens & Northern Bank
Patrick Donnelly, CEO Corp
Timothy Schoener, Director
Leo Lambert, Independent Director
Clark Frame, Director
Susan Hartley, Independent Director
Bruce Haner, Independent Director
Mark Hughes, CFO, Executive VP, Treasurer, Member of Executive Committee, Member of Asset Liability Committee, CFO of Citizens and Northern Bank and Executive VP of Citizens and Northern Bank
Ann Tyler, Independent Director
Blair Rush, EVP Bank
Stan Dunsmore, Executive Vice President Chief Credit Officer of Company & Bank
Tracy Watkins, Executive Vice President Director - Human Resources
CIMA CFP, Senior Strategist
John Reber, Executive Vice President and Director - Risk Management of Citizens & Northern Bank
James Towner, Lead Independent Director
Terry Lehman, Director
Deborah Scott, Executive Vice President and Director - Trust Department of Citizens & Northern Bank

Citizens Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Citizens Northern a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Pair Trading with Citizens Northern

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Citizens Northern position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Citizens Northern will appreciate offsetting losses from the drop in the long position's value.

Moving together with Citizens Stock

  0.91MBCN Middlefield Banc Fiscal Quarter End 31st of March 2024 PairCorr
  0.82MBWM Mercantile Bank Fiscal Quarter End 31st of March 2024 PairCorr

Moving against Citizens Stock

  0.85NU Nu Holdings Financial Report 20th of May 2024 PairCorr
  0.81RF-PB Regions FinancialPairCorr
  0.78MFBP MF BancorpPairCorr
  0.73KB KB Financial Group Financial Report 20th of May 2024 PairCorr
  0.72WF Woori Financial Group Financial Report 21st of May 2024 PairCorr
The ability to find closely correlated positions to Citizens Northern could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Citizens Northern when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Citizens Northern - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Citizens Northern Corp to buy it.
The correlation of Citizens Northern is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Citizens Northern moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Citizens Northern Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Citizens Northern can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Citizens Northern Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens Northern's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Northern Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Northern Corp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Northern Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.
You can also try the Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.

Complementary Tools for Citizens Stock analysis

When running Citizens Northern's price analysis, check to measure Citizens Northern's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Northern is operating at the current time. Most of Citizens Northern's value examination focuses on studying past and present price action to predict the probability of Citizens Northern's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Northern's price. Additionally, you may evaluate how the addition of Citizens Northern to your portfolios can decrease your overall portfolio volatility.
Bollinger Bands
Use Bollinger Bands indicator to analyze target price for a given investing horizon
Portfolio File Import
Quickly import all of your third-party portfolios from your local drive in csv format
Options Analysis
Analyze and evaluate options and option chains as a potential hedge for your portfolios
Money Managers
Screen money managers from public funds and ETFs managed around the world
Idea Breakdown
Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes
Is Citizens Northern's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Northern. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Northern listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.44)
Dividend Share
1.12
Earnings Share
1.57
Revenue Per Share
6.865
Quarterly Revenue Growth
(0.07)
The market value of Citizens Northern Corp is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Northern's value that differs from its market value or its book value, called intrinsic value, which is Citizens Northern's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Northern's market value can be influenced by many factors that don't directly affect Citizens Northern's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Northern's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Northern is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Northern's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.