Citizens Northern Corp Stock Buy Hold or Sell Recommendation
| CZNC Stock | USD 17.98 0.25 1.41% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Citizens Northern Corp is 'Hold'. Macroaxis provides Citizens Northern buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding CZNC positions. The advice algorithm takes into account all of Citizens Northern's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Citizens Northern's buy or sell advice are summarized below:
Real Value 19.11 | Target Price 19.5 | Hype Value 18 | Market Value 17.98 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Citizens Northern Corp given historical horizon and risk tolerance towards Citizens Northern. When Macroaxis issues a 'buy' or 'sell' recommendation for Citizens Northern Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Citizens |
Execute Citizens Northern Buy or Sell Advice
The Citizens recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Citizens Northern Corp. Macroaxis does not own or have any residual interests in Citizens Northern Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Citizens Northern's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Citizens Northern Trading Alerts and Improvement Suggestions
| Citizens Northern generated a negative expected return over the last 90 days | |
| Latest headline from news.google.com: SG Americas Securities LLC Makes New Investment in Citizens Financial Services, Inc. - Defense World |
Citizens Northern Returns Distribution Density
The distribution of Citizens Northern's historical returns is an attempt to chart the uncertainty of Citizens Northern's future price movements. The chart of the probability distribution of Citizens Northern daily returns describes the distribution of returns around its average expected value. We use Citizens Northern Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Citizens Northern returns is essential to provide solid investment advice for Citizens Northern.
| Mean Return | -0.11 | Value At Risk | -4.72 | Potential Upside | 4.74 | Standard Deviation | 2.92 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Citizens Northern historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Citizens Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens Northern is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens Northern Corp backward and forwards among themselves. Citizens Northern's institutional investor refers to the entity that pools money to purchase Citizens Northern's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
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Citizens Northern Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (1.7M) | 64.9M | (169K) | (48.2M) | 5.1M | 5.3M | |
| Free Cash Flow | 19.6M | 21.6M | 33.0M | 31.3M | 807K | 766.7K | |
| Depreciation | 1.7M | 2.0M | 2.1M | 2.4M | 2.6M | 1.8M | |
| Other Non Cash Items | 1.5M | 3.6M | 2.5M | 9.4M | 1.5M | 1.4M | |
| Dividends Paid | 14.0M | 14.5M | 16.0M | 15.9M | 15.6M | 9.4M | |
| Capital Expenditures | 2.9M | 3.1M | 1.9M | 3.3M | 32.3M | 33.9M | |
| Net Income | 19.5M | 19.2M | 30.6M | 26.6M | 24.0M | 15.3M | |
| End Period Cash Flow | 31.1M | 96.0M | 95.8M | 47.7M | 52.8M | 38.6M | |
| Investments | 14.4M | 12.7M | (106.8M) | (245.9M) | (53.2M) | (50.5M) | |
| Net Borrowings | (28.0M) | (128.9M) | (13.1M) | 104.3M | 119.9M | 125.9M | |
| Change To Netincome | 347K | 2.2M | 470K | 6.9M | 6.2M | 6.5M |
Citizens Northern Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Citizens Northern or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Citizens Northern's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Citizens stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.28 | |
β | Beta against NYSE Composite | 2.14 | |
σ | Overall volatility | 2.97 | |
Ir | Information ratio | -0.07 |
Citizens Northern Volatility Alert
Citizens Northern Corp exhibits very low volatility with skewness of -0.22 and kurtosis of 0.26. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Citizens Northern's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Citizens Northern's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Citizens Northern Fundamentals Vs Peers
Comparing Citizens Northern's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Citizens Northern's direct or indirect competition across all of the common fundamentals between Citizens Northern and the related equities. This way, we can detect undervalued stocks with similar characteristics as Citizens Northern or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Citizens Northern's fundamental indicators could also be used in its relative valuation, which is a method of valuing Citizens Northern by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Citizens Northern to competition |
| Fundamentals | Citizens Northern | Peer Average |
| Return On Equity | 0.0944 | -0.31 |
| Return On Asset | 0.0097 | -0.14 |
| Profit Margin | 0.23 % | (1.27) % |
| Operating Margin | 0.24 % | (5.51) % |
| Current Valuation | 431.11 M | 16.62 B |
| Shares Outstanding | 15.38 M | 571.82 M |
| Shares Owned By Insiders | 3.41 % | 10.09 % |
| Shares Owned By Institutions | 30.98 % | 39.21 % |
| Number Of Shares Shorted | 82.02 K | 4.71 M |
| Price To Earning | 15.69 X | 28.72 X |
| Price To Book | 1.00 X | 9.51 X |
| Price To Sales | 2.50 X | 11.42 X |
| Revenue | 137.92 M | 9.43 B |
| Gross Profit | 100.31 M | 27.38 B |
| EBITDA | 2.37 M | 3.9 B |
| Net Income | 23.96 M | 570.98 M |
| Cash And Equivalents | 64.04 M | 2.7 B |
| Cash Per Share | 4.13 X | 5.01 X |
| Total Debt | 215.33 M | 5.32 B |
| Debt To Equity | 0.14 % | 48.70 % |
| Book Value Per Share | 17.16 X | 1.93 K |
| Cash Flow From Operations | 33.07 M | 971.22 M |
| Short Ratio | 3.43 X | 4.00 X |
| Earnings Per Share | 1.57 X | 3.12 X |
| Target Price | 20.5 | |
| Number Of Employees | 404 | 18.84 K |
| Beta | 0.4 | -0.15 |
| Market Capitalization | 272.65 M | 19.03 B |
| Total Asset | 2.52 B | 29.47 B |
| Retained Earnings | 157.03 M | 9.33 B |
| Annual Yield | 0.06 % | |
| Five Year Return | 4.62 % | |
| Net Asset | 2.52 B |
Note: Acquisition by Loughery Robert G of 274 shares of Citizens Northern at 18.1065 subject to Rule 16b-3 [view details]
Citizens Northern Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Citizens . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Citizens Northern Buy or Sell Advice
When is the right time to buy or sell Citizens Northern Corp? Buying financial instruments such as Citizens Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 77.6M | 258.8M | 215.3M | 121.8M | Total Assets | 2.3B | 2.5B | 2.5B | 1.4B |
Use Investing Ideas to Build Portfolios
In addition to having Citizens Northern in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Materials ETFs Thematic Idea Now
Materials ETFs
ETF themes focus on helping investors to gain exposure to a broad range of assets, diversify, and lower overall costs. The Materials ETFs theme has 47 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Materials ETFs Theme or any other thematic opportunities.
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Check out Citizens Northern Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.
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 (0.44) | 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.