CSIMarket Company Name, Ticker, Customers, else..
 
Citizens and Northern Corporation  (NASDAQ: CZNC)
Other Ticker:  
 
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial
 

Citizens And Northern Growth Comparisons

Select each growth Category to receive further Information



CZNC Revenue Growth Rate Comparisons Company Industry Sector S&P 500
Y / Y Revenue Growth (Q3 MRQ) -4.73 % -1 % 11.14 % 4 %
Q / Q Revenue Growth (Q3 MRQ) -2.44 % -1.83 % 3.26 % 0.39 %
Y / Y Revenue Growth (for 12 months ending Q3 TTM) -4.27 % -6.12 % 10.86 % %
Seq. Revenue Growth (for 12 months ending Q3 TTM) -1.25 % 0.39 % 2.61 % 1.12 %
Revenue 5 Year Average Growth 9.74 % 11 % 9.28 % 7.61 %


CZNC's Growth Comparisons in III. Quarter 2024




Although the Regional Banks industry saw Revenue decrease just by -1%, Citizens And Northern announced -4.73% year on year revenue decline in the third quarter 2024, to $ 26 millions, and underperformed the 11.14% Revenue improvement in the Financial sector. The Financial sector grew above market average, while Regional Banks industry and Citizens And Northern Corporation results underperformed, in the third quarter.

Top-line fell by -2.44% from the second quarter. Average annual revenue growth for Citizens And Northern is 9.74%, while S & P 500's average yearly revenue increase is 7.61%, including only Businesses with the third quarter 2024 financial results.

CZNC Growth Rates by Company's Segments

Segment Name
Y / Y
Seq.
Total
-4.73 %
-2.44 %


Growth Rates of CZNC's Income in the third quarter 2024


CZNC Operating Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Operating Income Change (Q3 MRQ) -17.21 % -8.47 % 7.02 % 4.45 %
Seq. Operating Income Change (Q3 MRQ) 4.47 % -14.18 % -1.2 % -2.32 %
Y / Y Operating Income Growth (Q3 TTM) -18.88 % -27.39 % 84.55 % 9.3 %
Seq. Operating Income Growth (Q3 TTM) -5.54 % -1.98 % 1.83 % 1.41 %
Operating Income 5 Year Avg. Change 3.03 % 7.43 % 8.7 % 9.13 %


Income from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Income from Cont. Ops. Change (Q3 MRQ) -16.15 % -5.41 % 34.15 % -1.43 %
Seq. Income from Cont. Ops. Change (Q3 MRQ) 4.12 % 2.74 % -5.33 % -8.76 %
Y / Y Income from Cont. Ops. Change (Q3 TTM) -20.32 % -36.27 % 6.32 % 8.89 %
Seq. Income from Cont. Ops. Change (Q3 TTM) -5.27 % -0.66 % 6.88 % -0.02 %
Income from Cont. Ops. 5 Year Avg. Change 1.87 % -1.15 % 6.91 % 7.31 %

CZNC Net Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Net Income Growth (Q3 MRQ) -16.15 % -5.4 % 33.02 % -6.22 %
Q / Q Net Income Growth (Q3 MRQ) 4.12 % 2.75 % -6.6 % -6.76 %
Y / Y Net Income Change (Q3 TTM) -20.32 % -36.28 % 6.2 % 5.26 %
Seq. Net Income Change (Q3 TTM) -5.27 % -0.66 % 6.65 % -1.37 %
Net Income 5 Year Avg. Growth 1.87 % -1.15 % 6.94 % 7.45 %

CZNC's EPS Growth Rates


EPS from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS from Cont. Ops. Change (Q3 MRQ) -18 % 121.71 % 34.15 % -1.43 %
Seq. EPS from Cont. Ops. Change (Q3 MRQ) 2.5 % 1.33 % -5.33 % -8.76 %
Y / Y EPS from Cont. Ops. Change (Q3 TTM) -19.55 % -58.21 % - -
Seq. EPS from Cont. Ops. Change (Q3 TTM) -5.88 % -2.5 % 53.52 % -6.57 %
EPS from Cont. Ops. 5 Year Avg. Growth -2.59 % -1 % 6.91 % 7.31 %



CZNC EPS Net Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS Net Growth (Q3 MRQ) -18 % 121.72 % 33.02 % -6.22 %
Q / Q EPS Net Growth (Q3 MRQ) 2.5 % 1.34 % -6.6 % -6.76 %
Y / Y EPS Net Change (for 12 months ending Q3 TTM) - -57.4 % 37 % 44.84 %
Seq. EPS Net Change (for 12 months ending Q3 TTM) -5.88 % -2.59 % 52.29 % -6.16 %
EPS Net 5 Year Avg. Change -2.59 % -1.15 % 6.94 % 7.45 %



Citizens And Northern's sharp decrease of -18% in income per share in the third quarter from the same quarter a year ago, those results deviated strongly from the rising EPS in Regional Banks industry with 121.72%, and underperformed the 33.02% EPS increase in the Financial sector. Although both Regional Banks industry and Financial sector posted higher gains than -6.22% overall market increase, Citizens And Northern was trailing overall market in the third quarter.

Comparing company's EPS to the second quarter results, income per share were higher by 2.5% . On the yearly basis, average annual income per share growth for Citizens And Northern is -2.59%, while S & P 500's including only the businesses with the third quarter 2024 Results, average annual income per share growth is 7.45% over the past five years.

CZNC Cash Flow Growth Rates


Free Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Free Cash Flow Change (Q3 MRQ) -21.99 % -58.03 % - -42.75 %
Seq. Free Cash Flow Change (Q3 MRQ) -23.57 % -25.99 % - -36.75 %
Y / Y Free Cash Flow Change (Q3 TTM) -15.22 % -35.66 % -48.59 % 3.44 %
Seq. Free Cash Flow Change (Q3 TTM) -6.08 % -20.11 % -39.35 % -10.82 %
Free Cash Flow 5 Year Avg. Change 4.82 % 21.4 % 6.5 % 11.94 %

Net Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Net Cash Flow Change (Q3 MRQ) 3851.58 % - - -
Seq. Net Cash Flow Change (Q3 MRQ) 56.42 % 165.79 % - -
Y / Y Net Cash Flow Change (Q3 TTM) - 13.06 % - -
Seq. Net Cash Flow Change (Q3 TTM) - 1492.92 % - -
Net Cash Flow 5 Year Avg. Change - -4.48 % -31.3 % -33.53 %

Capital Expenditures Company Industry Sector S&P 500
Y / Y Capital Expenditures Change (Q3 MRQ) -81.93 % 13.08 % 4.71 % 2.78 %
Seq. Capital Expenditures Change (Q3 MRQ) -77.27 % 10.17 % 29.78 % 2.91 %
Y / Y Capital Expenditures Change (Q3 TTM) 44.86 % 49.36 % -11.26 % 70.28 %
Seq. Capital Expenditures Change (Q3 TTM) -21.81 % 3.53 % -0.14 % -0.52 %
Capital Expenditures 5 Year Avg. Change 14.18 % 13.05 % 0.42 % 8.99 %

Note
To view Detail Information & Trends click on Individual Category.
To see Industry, Sector or S&P 500 Performance, click on each Category respectivly, on the top of the Table.

For explanation of terms visit: Glossary
 


• Revenue Y/Y
• Op. Income Y/Y
• Cop. Income Y/Y
• Net Income Y/Y
• Eps Cop. Y/Y
• Eps Net Y/Y
• Free Cash Flow Y/Y
• Cash Flow Y/Y
• Capex Y/Y
• Y/Y Annual




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