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Citizens & Northern Corporation CZNC R2K

Financial Services · Banks - Regional · United States
https://www.cnbankpa.com
Company Profile ↓
$23.08
+21.78% 1Y
Mkt Cap$413.51M
P/E21.57
P/B1.22
Div. Yield4.86%
52W High$24.04
52W Low$17.43
Book Value$18.74
EPS (TTM)$1.07

Company Overview

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; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Why Investors Should Care

Healthy Margins

Maintains a net profit margin of 15.4%.

Dividend Income

Offers a dividend yield of 4.86%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -13.8%, earnings -96.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 4.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:-13.80%

Compounded Profit Growth

5 Years:4.04%
1 Year:-96.20%

Stock Price Performance

1 Year:+21.78%
6 Months:+16.16%
3 Months:-0.93%
1 Month:+4.62%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 85% of range
$17.43 $24.04
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.12 · Neutral
Price Performance
1M+4.62%
3M-0.93%
6M+16.16%
1Y+21.78%
Valuation vs Sector

P/E of 21.57 is above the sector median of 13.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 4.86%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
21.57
Industry PE
13.52
Forward P/E
8.55
PEG Ratio
1.21
Book Value
$18.74
Price to Book
1.22
P/S
3.64
EV/EBITDA
-
Dividend Yield
4.86%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
4.04%
Revenue (YoY)
-13.80%
Earnings (YoY)
-96.20%

Profitability & Returns

ROCE
-
ROE
5.64%
ROA
0.60%
Profit Margin
15.41%
Op Margin
1.45%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.02
EPS (TTM)
$1.07

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$194.23M
Total Assets
$3.16B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.16%
Chg in Prom Hold
0.00%
FII / Inst Holding
31.89%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$413.51M
Total Revenue (TTM)
$112.93M
EBITDA
-
Free Cash Flow
$30.10M
Operating Cash Flow
$39.07M
Shares Outstanding
17.92M
Gross Margin
0.00%
Payout Ratio
104.67%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CZNC Citizens & Northern Corporation R2K 23.08 21.57 $413.51M 4.86% - 5.64% - 4.04%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 4.36M4.23M4.07M3.57M3.87M4.09M4.23M3.43M4.12M3.94M1.94M4.38M6.37M5.59M5.68M5.09M3.65M5.31M5.46M4.17M5.44M2.85M6.77M8.79M7.06M7.40M7.31M6.89M7.49M4.46M6.25M6.04M7.59M5.31M6.11M6.37M6.29M6.12M6.55M273.00K
Diluted EPS 0.360.35-0.290.320.340.350.280.340.320.160.360.520.450.460.410.270.390.400.300.390.180.430.550.440.470.460.440.480.290.400.390.500.350.400.410.410.400.420.02

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income -39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M22.01M19.50M19.22M30.55M26.62M24.15M25.96M23.43M
Diluted EPS -1.451.921.851.501.381.351.301.101.791.461.301.921.711.571.69-

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.32B1.32B1.29B1.24B1.24B1.22B1.24B1.28B1.29B1.65B2.24B2.33B2.45B2.52B2.61B3.13B
Total Equity 122.03M152.41M138.94M167.38M182.79M179.47M188.36M187.49M186.01M188.44M197.37M244.45M299.76M301.40M249.32M262.38M275.28M341.71M
Cash & Equivalents 24.03M92.06M46.30M56.81M55.02M38.59M31.62M33.31M28.62M40.24M37.49M35.20M101.86M104.95M55.05M56.88M126.17M46.06M
Long Term Debt --148.50M125.36M83.81M73.34M73.06M38.77M38.45M9.19M35.91M-------
Total Liabilities --1.18B1.16B1.10B1.06B1.05B1.04B1.06B1.09B1.09B1.41B1.94B2.03B2.20B2.25B2.34B2.79B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 12.97M35.05M37.46M27.65M30.57M22.28M19.69M18.51M19.37M25.89M22.46M24.78M34.84M34.60M33.55M33.03M32.00M
Investing Cash Flow -628.00K-57.88M2.92M34.64M8.88M-9.49M18.41M-29.40M-30.91M-21.65M22.67M96.58M-103.89M-234.69M-53.20M-20.94M196.00K
Financing Cash Flow 55.70M-22.93M-29.87M-64.09M-55.88M-19.77M-36.40M6.20M19.91M-8.42M-46.83M-56.47M68.88M151.94M24.73M58.70M-111.07M
Capital Expenditure -1.25M-707.00K-998.00K-1.62M-801.00K-801.00K-1.04M-1.58M-1.70M-1.17M-2.87M-3.14M-1.86M-3.29M-2.27M-1.91M-1.91M
Free Cash Flow 11.71M34.34M36.47M26.03M29.77M21.48M18.65M16.93M17.68M24.73M19.59M21.65M32.98M31.31M31.28M31.13M30.10M
Share Buybacks -01.02M004.00M4.42M3.72M00189.00K163.00K-----

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % -25.8%13.7%14.0%12.4%10.4%9.1%8.8%8.5%7.1%11.2%8.0%6.4%10.1%10.7%9.2%9.4%6.9%
ROCE % -----------------

Shareholding Pattern

Insiders
4.16%
Institutions
31.89%
Public Float
33.27%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.63% 1.19M $27.24M
2 Vanguard Capital Management LLC 4.05% 725.12K $16.63M
3 Dimensional Fund Advisors LP 3.46% 620.29K $14.22M
4 Geode Capital Management, LLC 2.35% 420.50K $9.64M
5 Citizens & Northern Corp 2.01% 359.85K $8.25M
6 State Street Corporation 1.87% 335.36K $7.69M
7 Northern Trust Corporation 0.77% 137.97K $3.16M
8 Vanguard Fiduciary Trust Co 0.67% 119.24K $2.73M
9 Bank Of New York Mellon Corporation 0.64% 114.72K $2.63M
10 Pennsylvania Capital Management, Inc. 0.56% 99.97K $2.29M

Analyst View

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Latest News

Recent headlines for CZNC

Google News Fri, 10 Jul 2026

Citizens & Northern Corp (NASDAQ: CZNC) director adds shares in pre-planned trade - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxQR1pCbzM0V0pKVTJkYVNIdm1CWGJ5Y085NHlhWDg2aElXSnVSOWtNZ29BUUtPdU5zWkozY21XYzVITHE1bTl6MWNOTTFneDNEa25nc1V0T0pzOHAzbFhnbUV1WGJ2cjFNVjJtXy1iMkE4MDMwYWlQQ2Nxb3JmYjZDVzM4LXAzeDJnNE9DV3…

Google News Fri, 10 Jul 2026

Citizens & Northern director Katherine Shattuck buys $207 in stock - Investing.com

<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxQVnFEUDl1UWxCb2h3bEZMTFpRWVhYUnJkYkt5c3RNUTVJYk8yd1NtMHE0SVpoU05TZ3JGQ3U5bDB0YzJBQy1YLUlZMTllM2J5RTdaQUZTblpVZzFNaGtmZlBJc3VGOEFDamVYSzhxVGc1eXozWk1nOXI3ZGRhYnlJdWl4elQtSVhnN01MbH…

Google News Fri, 03 Apr 2026

Progress Remains Elusive For Citizens & Northern Stock (NASDAQ:CZNC) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxOdHRLdTlLZHVwSUFzUVdqazNnQ3BjZlNRajZCbms0ek9vYTN6YjlBemVSSTBQcXFsa3ZuVnNkRmsyd1phUlM5SW1fem8ySGRjendrWDE3eW13cUM2aFJLNnZZZlRxZlJpZ1paM0lvaFB5cVFXc19nTWhBb1RnSHZmSzhFOHhTUE02em8yV0…

Google News Mon, 06 Jul 2026

Technical Reactions to CZNC Trends in Macro Strategies - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxQbVFscWFBeG5YVGZxdWp5RDdfNUtKckM0UnhFT2Z3dTJkcnlIaVhIeWJmR0VTZml4QU95WGx4VzVSUzJqNGRvQkVWZDNpSjk0YUhrWExpUEhwWDlmUktfTU9VU2tFSFM2WjBhV0ttZ1dZMFpsV1JfUWNNV2hIZWhYcEhVUDBqTGZsNnd0N2…

Google News Fri, 10 Jul 2026

[Form 4] CITIZENS & NORTHERN CORP Insider Trading Activity - Stock Titan

<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxQZWJRMkFfTXFObTBNMVRwZ0JxeDdDQnN0WlI0alJYa1lwX21CY0MyZjNVUExYcHNjME9FbDFWUzZkVTloSldSMmhDcmwzM1pBbXhiTlRpMHN3ajhRNFM3V2hQQnlTSFk0LU5qanhfZW05V2VFLUVPQ2E5MzlLN2JoXzgtaGRndGkyMlAwb2…

Google News Fri, 10 Jul 2026

Citizens & Northern director Frank Pellegrino buys $4,558 in stock - Investing.com

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxPb2lLUnlhVW1iUzVqQU43U3BNV2Z1RFlIMW9FWTN4MDNBcVRVWFdXZ2FxUE1KLU1sdTMxVlNwQ3RPMnNZRUVkQXB2M0UwX2VxWEJmQWRNenpMZWJUUVh1OHdCSWxfLUVucnd4Nng3QUxvWnNDdS1hTDFmN0NrbE9VTjg0R0dJdUtMeEpRc0…

CZNC — Frequently Asked Questions

What is the current share price of Citizens & Northern Corporation (CZNC)?

As of 2026-07-15 16:51 PDT, Citizens & Northern Corporation (CZNC) trades at $23.08 on NasdaqCM. Its 52-week range is $17.43 to $24.04.

What is the market capitalisation of CZNC?

Citizens & Northern Corporation (CZNC) has a market capitalisation of $413.51M on NasdaqCM.

What is the P/E ratio of CZNC?

CZNC trades at a trailing price-to-earnings (P/E) ratio of 21.57. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.22.

Does CZNC pay a dividend?

Citizens & Northern Corporation (CZNC) currently offers a dividend yield of 4.86%.

What is the return on equity (ROE) of CZNC?

CZNC has a return on equity (ROE) of 5.64%.

Is CZNC a good stock to buy?

This page provides a data-driven analysis of Citizens & Northern Corporation (CZNC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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