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    Banks - Regional
Susquehanna Community Financial, Inc.

Susquehanna Community Financial, Inc.

SQCF
Susquehanna Community Financial, Inc.US flagOther OTC
15.52
USD
- -
- -
44.26MMarket Cap
Susquehanna Community Financial, Inc.
SQCF
(Other OTC)

Recent

price

15.52

P/E

ratio

- -

div

yld

- -

ROIC.AI

2002
2003
2004
2005
2006
2007
2019
2020
2021
2022
2023
2024
TTM
FRC
1.99
2.22
2.4
2.38
2.4
2.44
5.52
6.41
6.73
6.93
5.82
- -
2.44
Revenue per Share
0.64
0.73
0.81
0.78
0.74
0.74
1.72
1.85
1.96
1.87
0.78
- -
0.74
Basic EPS, GAAP
0.8
0.9
0.99
- -
- -
- -
0.73
2.4
2.05
1.49
0.81
- -
- -
Free Cash Flow per Basic Share
0.4
0.33
0.34
- -
- -
- -
0.78
0.82
1.03
1.04
0.96
- -
- -
Dividend per Share
4.4
4.8
5.25
4.4
4.52
4.67
17.32
18.54
19.82
20.94
20.76
- -
4.67
Book Value per Share
5.34
5.61
5.83
4.97
5.28
5.53
16.9
18.72
18.96
11.31
12.47
- -
5.53
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
- -
3
Basic Weighted Avg Shares
6
7
8
8
8
8
16
19
19
20
17
17
8
Sales/Revenue/Turnover
41.12
43.4
45.55
42.07
39.43
- -
- -
- -
- -
- -
- -
- -
30.95
Operating Margin (%)
1
1
1
- -
- -
- -
1
1
1
1
1
1
- -
Depreciation Expense
2
2
3
2
2
2
5
5
6
5
2
2
2
Net Income, GAAP
21.85
24.26
25.72
22.36
21.24
23.14
7.51
10.59
11.07
10.26
2.81
4.9
23.14
Effective Tax Rate (%)
32.14
32.87
33.84
32.66
31.06
30.37
31.18
28.84
29.14
26.98
13.38
14
30.37
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
8
7
8
8
8
8
34
12
12
10
51
62
8
LT Debt
17
18
19
16
17
18
50
54
54
32
35
33
18
Total Equity
- -
8.9
9.43
9.15
7.88
- -
- -
- -
- -
- -
- -
- -
5.26
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
15.89
16.15
16.07
16.68
16.15
15.37
10.24
10.16
9.12
3.74
4
16.15
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
ST Debt
4
- -
11
LT Borrowings
8
8
8
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
18
17
17

Working Capital

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4
3
5
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
4
- -
11
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.3%
-5.41%
-5.83%
Free Cash Flow
- -
42.17%
76.15%
Net Income, GAAP
6.82%
-9.41%
6.05%
Sales/Revenue/Turnover
12.3%
1.15%
1.4%
Total Cash Common Dividend
- -
4.11%
-0.04%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
20
2023
- -
- -
- -
- -
17
2024
- -
- -
- -
- -
17

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
1.87
2023
- -
- -
- -
- -
0.78
2024
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
1.04
2023
- -
- -
- -
- -
0.96
2024
- -
- -
- -
- -
- -
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Business
Susquehanna Community Financial, Inc. Susquehanna Community Financial, Inc. (SQCF) serves as the financial holding company for Susquehanna Community Bank and Susquehanna Financial Investment Corporation, providing commercial banking, consumer banking, and investment services to individuals, businesses, and municipalities primarily in central Pennsylvania. The company offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; lending products such as commercial real estate loans, commercial and industrial loans, agricultural loans, residential mortgage loans, construction loans, and consumer installment loans including auto loans and personal loans; and wealth management services through its investment subsidiary. Headquartered in West Milton, Pennsylvania, with seven full-service branches located in Lycoming, Union, Northumberland, and Snyder counties, the company operates as an FDIC-insured institution focused on relationship-based community banking in the Susquehanna Valley region. In a major strategic development, Susquehanna Community Financial merges with and into Citizens & Northern Corporation Citizens & Northern Corporation (CZNC) on October 1, 2025, in an all-stock transaction valued at $44.3 million, with SQCF shareholders receiving 0.80 shares of CZNC common stock per share held. Susquehanna Community Bank merges into Citizens & Northern Bank, expanding the combined entity's footprint to 35 branches across Pennsylvania and New York with approximately $3.2 billion in assets, $2.3 billion in loans, and $2.6 billion in deposits. Post-merger, key executives including CEO David S. Runk join as Executive Vice President and Strategic Advisor, President Jeffrey G. Hollenbach as Region President for the Susquehanna market, and Board Chairman Christian C. Trate joins the CZNC board, supporting ongoing customer account conversions including debit cards, digital banking, and bill pay through December 2025.