Thomas Rudy - Citizens Northern President
| CZNC Stock | USD 17.82 0.43 2.36% |
President
Mr. Thomas L. Rudy, Jr. is Executive Vice President and Director Branch Delivery of Citizens Northern Bank, a subsidiary of Citizens Northern Corporationration Mr. Rudy was President of CN Financial Services Corporation since January 2000. since 2004.
| Age | 59 |
| Tenure | 20 years |
| Address | 90-92 Main Street, Wellsboro, PA, United States, 16901 |
| Phone | 570 724 3411 |
| Web | https://www.cnbankpa.com |
Citizens Northern Management Efficiency
The current year's Return On Tangible Assets is expected to grow to 0.01. The current year's Return On Capital Employed is expected to grow to 0.07. 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 Return On Tangible Assets is expected to grow to 0.01, 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.Similar Executives
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Management Performance
| Return On Equity | 0.0897 | ||||
| Return On Asset | 0.0094 |
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.
| Glenn Esq, Corporate Secretary | ||
| Thomas Rudy, Executive Vice President and Director - Branch Delivery of Citizens & Northern Bank | ||
| Skye Mahosky, Corporate Secretary | ||
| 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 | ||
| Bradley Scovill, CEO President | ||
| Shelley DHaene, Executive Vice President and Director - Alternate Delivery Channels of Citizens & Northern Bank | ||
| Patrick Donnelly, CEO Corp | ||
| Blair Rush, EVP Bank | ||
| Stan Dunsmore, Executive Vice President Chief Credit Officer of Company & Bank | ||
| CIMA CFP, Senior Strategist | ||
| Kelley Cwiklinski, Executive Officer |
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.
| Return On Equity | 0.0897 | ||||
| Return On Asset | 0.0094 | ||||
| Profit Margin | 0.23 % | ||||
| Operating Margin | 0.26 % | ||||
| Current Valuation | 471.45 M | ||||
| Shares Outstanding | 15.38 M | ||||
| Shares Owned By Insiders | 3.41 % | ||||
| Shares Owned By Institutions | 30.96 % | ||||
| Number Of Shares Shorted | 75.66 K | ||||
| Price To Earning | 15.69 X |
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 against Citizens Stock
| 0.69 | CFG-PD | Citizens Financial | PairCorr |
| 0.63 | TECTP | Tectonic Financial | PairCorr |
| 0.58 | DB | Deutsche Bank AG | PairCorr |
| 0.51 | RF | Regions Financial Financial Report 19th of July 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.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 CEOs Directory module to screen CEOs from public companies around the world.
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.
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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 (0.14) | Dividend Share 1.12 | Earnings Share 1.55 | Revenue Per Share 6.754 | 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.