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Citizens & Northern Corporation CZNC R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.cnbankpa.com
Company Profile ↓
$27.75
+47.05% 1Y
Mkt Cap$497.69M
P/E18.88
P/B1.29
Div. Yield4.43%
52W High$27.75
52W Low$18.07
Book Value$19.29
EPS (TTM)$1.47

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 19.9%.

Dividend Income

Offers a dividend yield of 4.43%.

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 +53.2%, earnings +100.2%.
  • 5-Year Trend Long-term compounding — profit CAGR 4.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:53.20%

Compounded Profit Growth

5 Years:4.04%
1 Year:100.20%

Stock Price Performance

1 Year:+47.05%
6 Months:+22.84%
3 Months:+14.06%
1 Month:+8.91%

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

Technical Snapshot Bullish
52-Week Range 100% of range
$18.07 $27.75
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)76.32 · Overbought
Price Performance
1M+8.91%
3M+14.06%
6M+22.84%
1Y+47.05%
Valuation vs Sector

P/E of 18.88 is above the sector median of 13.55 — 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 4.43%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • RSI at 76 suggests overbought conditions.

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

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Valuation

Stock P/E
18.88
Industry PE
13.55
Forward P/E
10.09
PEG Ratio
1.21
Book Value
$19.29
Price to Book
1.29
P/S
3.51
EV/EBITDA
-
Dividend Yield
4.43%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
4.04%
Revenue (YoY)
53.20%
Earnings (YoY)
100.20%

Profitability & Returns

ROCE
-
ROE
8.02%
ROA
0.88%
Profit Margin
19.92%
Op Margin
42.23%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.79
EPS (TTM)
$1.47

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$171.09M
Total Assets
$3.15B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.20%
Chg in Prom Hold
0.00%
FII / Inst Holding
34.03%
Chg in FII Hold
0.13%

Financial Snapshot

Enterprise Value
$497.69M
Total Revenue (TTM)
$127.27M
EBITDA
-
Free Cash Flow
$30.10M
Operating Cash Flow
$45.98M
Shares Outstanding
17.93M
Gross Margin
0.00%
Payout Ratio
76.19%

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 R2KR3KFINANCIAL 27.75 18.88 $497.69M 4.43% - 8.02% - 4.04%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 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 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------26.60M28.88M29.04M36.33M36.07M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------11.73M11.31M11.39M12.93M12.13M-
Pretax Income ----------------------------------7.70M7.53M8.02M5.39M335.00K-
Tax Provision ----------------------------------1.41M1.42M1.46M926.00K62.00K-
Net Income 3.57M3.87M4.09M4.23M3.43M4.12M3.94M1.94M4.38M6.37M5.59M5.68M5.09M3.65M5.31M5.46M4.17M5.44M2.85M6.77M8.79M7.06M7.40M7.31M6.89M7.49M4.46M6.25M6.04M7.59M5.31M6.11M6.37M-6.29M6.12M6.55M4.47M273.00K-
Diluted EPS 0.290.320.340.350.280.340.320.160.360.520.450.460.410.270.390.400.300.390.180.430.550.440.470.460.440.480.290.400.390.500.350.400.41--0.400.420.250.020.79

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
4.20%
Institutions
34.03%
Public Float
35.52%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.58% 1.36M $33.90M
2 Vanguard Capital Management LLC 4.25% 761.65K $19.00M
3 Dimensional Fund Advisors LP 3.55% 637.12K $15.89M
4 Geode Capital Management, LLC 2.52% 451.36K $11.26M
5 Citizens & Northern Corp 1.95% 349.49K $8.72M
6 State Street Corporation 1.88% 337.93K $8.43M
7 Northern Trust Corporation 0.84% 149.96K $3.74M
8 Vanguard Portfolio Management LLC 0.81% 146.00K $3.64M
9 Bank Of New York Mellon Corporation 0.68% 122.66K $3.06M
10 Vanguard Fiduciary Trust Co 0.67% 120.61K $3.01M

Analyst View

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Latest News

Recent headlines for CZNC

Google News Fri, 23 Oct 2026

Citizens & Northern Corp Estimates – NASDAQ:CZNC - TradingView

<a href="https://news.google.com/rss/articles/CBMieEFVX3lxTE1OaXZLQzBLamV0NWNWOG1VblI4MUhFX1FQdVJrQ0lacXl1ZmFRVzJ2cmItNnZvZjc4TW1kNTZjLVNBTDRyb0tBSXhYQlo5bWgyU3JDYmlsSE9WSTZDeUNCZXVyZUhKb185cFc5dUt3dlB4RkRCWEQ0Zw?oc=5" target="_blank">Citiz…

Google News hu, 22 Oct 2026

Citizens&Northern earnings beat by $0.24, revenue topped estimates - Investing.com

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Google News Mon, 19 Oct 2026

CZNC Mar 2027 22.500 put (CZNC270319P00022500) stock historical prices and data - Yahoo Finance Singapore

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Google News Fri, 23 Oct 2026

Did Citizens & Northern (NASDAQ:CZNC) Just Post a Record Quarter, and What Does the Dividend Increase Signal? - Kalkine

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Google News Wed, 21 Oct 2026

Why (CZNC) Price Action Is Critical for Tactical Trading - Stock Traders Daily

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Google News Wed, 21 Oct 2026

CZNC 8-K & SEC Filings - Yahoo! Finance Canada

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CZNC — Frequently Asked Questions

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

As of 2026-10-23 16:27 PDT, Citizens & Northern Corporation (CZNC) trades at $27.75 on NasdaqCM. Its 52-week range is $18.07 to $27.75.

What is the market capitalisation of CZNC?

Citizens & Northern Corporation (CZNC) has a market capitalisation of $497.69M on NasdaqCM.

What is the P/E ratio of CZNC?

CZNC trades at a trailing price-to-earnings (P/E) ratio of 18.88. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.29.

Does CZNC pay a dividend?

Citizens & Northern Corporation (CZNC) currently offers a dividend yield of 4.43%.

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

CZNC has a return on equity (ROE) of 8.02%.

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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