Citizens & Northern Corporation (CZNC)

NCM – Real Time Price. Currency in USD

21.00

-0.05 (-0.24%)

At close: May 12, 2026, 4:00 PM EDT

20.93

-0.07 (-0.33%)

Pre-market: May 13, 2026, 4:10 AM EDT

Stock details

Previous close: 21$
Day's range: 20.75 - 21.29$
52-week range: 18.02 - 24.12$
Volume: 41 843
Average volume: 37 693
Beta: 0.39
EPS (TTM): 1.08
PE ratio (TTM): 19.38
Forward P/E: 10.66
Market cap: 376 248 304
Shares outstanding: 17 916 586
Dividend yield: $5.32 (5.32%)
Next earnings date: 2026-07-16
Sector: Financials
Industry: Banks - Regional

About the company

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company’s deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards... read more

CEO: J. Scovill
Country: United States
IPO Date
Employees: 460
Fiscal Year End: January - December
Website: https://www.cnbankpa.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: CZNC

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Overall Score

4.2 / 1042%

Financial Strength

5.6

Profitability

1.4

Effectiveness

3.5

Growth

3.8

Forecast

8.5

Valuation

4.2

Dividend

5.5

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $193.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.6) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	N/A	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.58	0.05	7.0
Debt to Assets	0.06	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	117M	138M	157M	170M	180M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	32M	30M	32M	37M	29M
Net Income	26M	24M	26M	23M	17M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	0.91	0.44	2.0
Net margin %	0.74	32.70	2.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			1.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.86	1.46	2.0
ROE	8.07	14.94	6.0
ROIC	4.99	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	24.64	57.5	10
Next quarter	25.82	40.43	10
Current year	19.76	6.49	7.0
Next year	4.97	37.06	7.0
Weighted average score			8.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.03	-93.84	-96.42	12.09	2.5
Y/Y	25.96	-95.62	-95.11	-9.04	3.3
3y average	13.32	-3.8	2.98	-1.7	3.5
5y average	10.92	6.86	1.54	13.73	5.8
Weighted average score					3.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	20.21	11.16	3.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.75	3.37	4.8
P/B	1.15	1.53	7.0
Weighted average score			4.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.09%

FCF 5 year CAGR4

Fair value33.24$

Stock price21$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	5.51	5.51	10
Payout ratio	50.91	50.91	9.0
5-year dividend growth rate	0.73	0.73	2.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.5

Fair Value

$33.24

UndervaluedStock priceOvervalued

$21

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

J. Scovill

Country

United States

IPO Date

Employees

460

Fiscal Year End

January - December

Website

https://www.cnbankpa.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

N/A

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.58

0.05

7.0

Debt to Assets

0.06

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

117M

138M

157M

170M

180M

Gross Profit

N/A

Operating Income

32M

30M

32M

37M

29M

Net Income

26M

24M

26M

23M

17M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

0.91

0.44

2.0

Net margin %

0.74

32.70

2.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

1.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.86

1.46

2.0

ROE

8.07

14.94

6.0

ROIC

4.99

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

24.64

57.5

Next quarter

25.82

40.43

Current year

19.76

6.49

7.0

Next year

4.97

37.06

7.0

Weighted average score

8.5

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-2.03

-93.84

-96.42

12.09

2.5

Y/Y

25.96

-95.62

-95.11

-9.04

3.3

3y average

13.32

-3.8

2.98

-1.7

3.5

5y average

10.92

6.86

1.54

13.73

5.8

Weighted average score

3.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

20.21

11.16

3.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.75

3.37

4.8

P/B

1.15

1.53

7.0

Weighted average score

4.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

5.51

Payout ratio

50.91

9.0

5-year dividend growth rate

0.73

2.0

Years of dividend increase

0.00

1.0

Weighted average score

5.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Citizens & Northern Corporation (CZNC)

Stock details

About the company

Revenue Breakdown

News

Chart: CZNC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.24

$21

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CZNC

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$33.24

$21

Economic Moat