Citizens & Northern Corporation CZNC R2KR3KFINANCIAL

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

As of 2026-09-07 16:24 PDT, Citizens & Northern Corporation (CZNC) trades at $26.11 on NasdaqCM. Its 52-week range is $18.07 to $26.11.

Q: What is the market capitalisation of CZNC?

Citizens & Northern Corporation (CZNC) has a market capitalisation of $468.47M on NasdaqCM.

Q: What is the P/E ratio of CZNC?

CZNC trades at a trailing price-to-earnings (P/E) ratio of 17.76. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.31.

Q: Does CZNC pay a dividend?

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

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

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

Q: 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.

Financial Services · Banks - Regional · United States

https://www.cnbankpa.com

Company Profile ↓

$26.11

+38.36% 1Y

Mkt Cap$468.47M

P/E17.76

P/B1.31

Div. Yield4.43%

52W High$26.11

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

Reasonable Valuation

Trades at an undemanding P/E of 17.8.

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 +100.0%.
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:	100.00%

Stock Price Performance

1 Year:	+38.36%
6 Months:	+19.88%
3 Months:	+23.66%
1 Month:	+3.32%

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 $26.11

Trend Signals

Price vs 50-DMAAbove
Price vs 200-DMAAbove
RSI (14)65.19 · Neutral

Price Performance

1M+3.32%

3M+23.66%

6M+19.88%

1Y+38.36%

Valuation vs Sector

P/E of 17.76 is above the sector median of 14.52 — pricier than peers.

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

Price Chart

Robinhood TradingView

Fundamental Growth Charts

Period: Metric:

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

No notable concerns flagged.

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

Valuation

Stock P/E

17.76

Industry PE

14.52

Forward P/E

9.49

PEG Ratio

1.21

Book Value

$19.29

Price to Book

1.31

P/S

3.58

EV/EBITDA

Dividend Yield

4.43%

Growth (CAGR)

Revenue 5Y

Profit 5Y

4.04%

Revenue (YoY)

53.20%

Earnings (YoY)

100.00%

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

$170.04M

Total Assets

$3.15B

Current Assets

Working Capital

Ownership

Promoter Holding

4.16%

Chg in Prom Hold

0.01%

FII / Inst Holding

34.27%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$468.47M

Total Revenue (TTM)

$127.27M

EBITDA

Free Cash Flow

$30.10M

Operating Cash Flow

$32.00M

Shares Outstanding

17.94M

Gross Margin

0.00%

Payout Ratio

76.19%

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CZNC Citizens & Northern Corporation R2KR3KFINANCIAL	26.11	17.76	$468.47M	4.43%	-	8.02%	-	4.04%
2	JPM JPMorgan Chase & Co. SPXR3KFINANCIAL	358.64	15.37	$953.34B	1.68%	-	17.79%	12.50%	14.83%
3	BRK-B Berkshire Hathaway Inc. SPXFINANCIAL	506.03	15.07	$707.59B	0.00%	-	10.50%	4.18%	9.44%
4	V Visa Inc. SPXR3KFINANCIAL	374.00	31.86	$637.34B	0.72%	37.15%	61.19%	14.33%	13.04%
5	MA Mastercard Incorporated SPXR3KFINANCIAL	579.21	31.82	$503.60B	0.60%	60.19%	-	12.29%	19.21%
6	BAC Bank of America Corporation SPXR3KFINANCIAL	62.68	14.48	$438.31B	2.03%	-	11.20%	3.14%	4.27%
7	BRK-A Berkshire Hathaway Inc. FINANCIAL	759,350.00	15.07	$384.00B	0.00%	-	10.50%	7.60%	10.02%
8	HSBC HSBC Holdings plc FINANCIAL	107.11	15.30	$367.34B	3.62%	-	13.10%	9.75%	12.72%
9	MS Morgan Stanley SPXR3KFINANCIAL	217.72	17.59	$342.26B	2.15%	-	17.97%	3.76%	9.66%

Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.60M	28.88M	29.04M	36.33M	36.07M	-
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.73M	11.31M	11.39M	12.93M	12.13M	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.70M	7.53M	8.02M	5.39M	335.00K	-
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.41M	1.42M	1.46M	926.00K	62.00K	-
Net Income	3.57M	3.87M	4.09M	4.23M	3.43M	4.12M	3.94M	1.94M	4.38M	6.37M	5.59M	5.68M	5.09M	3.65M	5.31M	5.46M	4.17M	5.44M	2.85M	6.77M	8.79M	7.06M	7.40M	7.31M	6.89M	7.49M	4.46M	6.25M	6.04M	7.59M	5.31M	6.11M	6.37M	-	6.29M	6.12M	6.55M	4.47M	273.00K	-
Diluted EPS	0.29	0.32	0.34	0.35	0.28	0.34	0.32	0.16	0.36	0.52	0.45	0.46	0.41	0.27	0.39	0.40	0.30	0.39	0.18	0.43	0.55	0.44	0.47	0.46	0.44	0.48	0.29	0.40	0.39	0.50	0.35	0.40	0.41	-	-	0.40	0.42	0.25	0.02	0.79

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Income	-39.34M	19.05M	23.37M	22.70M	18.59M	17.09M	16.47M	15.76M	13.43M	22.01M	19.50M	19.22M	30.55M	26.62M	24.15M	25.96M	23.43M
Diluted EPS	-	1.45	1.92	1.85	1.50	1.38	1.35	1.30	1.10	1.79	1.46	1.30	1.92	1.71	1.57	1.69	-

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.32B	1.32B	1.29B	1.24B	1.24B	1.22B	1.24B	1.28B	1.29B	1.65B	2.24B	2.33B	2.45B	2.52B	2.61B	3.13B
Total Equity	122.03M	152.41M	138.94M	167.38M	182.79M	179.47M	188.36M	187.49M	186.01M	188.44M	197.37M	244.45M	299.76M	301.40M	249.32M	262.38M	275.28M	341.71M
Cash & Equivalents	24.03M	92.06M	46.30M	56.81M	55.02M	38.59M	31.62M	33.31M	28.62M	40.24M	37.49M	35.20M	101.86M	104.95M	55.05M	56.88M	126.17M	46.06M
Long Term Debt	-	-	148.50M	125.36M	83.81M	73.34M	73.06M	38.77M	38.45M	9.19M	35.91M	-	-	-	-	-	-	-
Total Liabilities	-	-	1.18B	1.16B	1.10B	1.06B	1.05B	1.04B	1.06B	1.09B	1.09B	1.41B	1.94B	2.03B	2.20B	2.25B	2.34B	2.79B

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	12.97M	35.05M	37.46M	27.65M	30.57M	22.28M	19.69M	18.51M	19.37M	25.89M	22.46M	24.78M	34.84M	34.60M	33.55M	33.03M	32.00M
Investing Cash Flow	-628.00K	-57.88M	2.92M	34.64M	8.88M	-9.49M	18.41M	-29.40M	-30.91M	-21.65M	22.67M	96.58M	-103.89M	-234.69M	-53.20M	-20.94M	196.00K
Financing Cash Flow	55.70M	-22.93M	-29.87M	-64.09M	-55.88M	-19.77M	-36.40M	6.20M	19.91M	-8.42M	-46.83M	-56.47M	68.88M	151.94M	24.73M	58.70M	-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	11.71M	34.34M	36.47M	26.03M	29.77M	21.48M	18.65M	16.93M	17.68M	24.73M	19.59M	21.65M	32.98M	31.31M	31.28M	31.13M	30.10M
Share Buybacks	-	0	1.02M	0	0	4.00M	4.42M	3.72M	0	0	189.00K	163.00K	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 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

34.27%

Public Float

35.75%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.58%	1.36M	$34.72M
2	Vanguard Capital Management LLC	4.25%	761.65K	$19.45M
3	Dimensional Fund Advisors LP	3.55%	637.12K	$16.27M
4	Geode Capital Management, LLC	2.52%	451.36K	$11.53M
5	Citizens & Northern Corp	1.95%	349.49K	$8.93M
6	State Street Corporation	1.88%	337.93K	$8.63M
7	Northern Trust Corporation	0.84%	149.96K	$3.83M
8	Vanguard Portfolio Management LLC	0.81%	146.00K	$3.73M
9	Bank Of New York Mellon Corporation	0.68%	122.66K	$3.13M
10	Vanguard Fiduciary Trust Co	0.67%	120.61K	$3.08M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for CZNC

Google News hu, 25 Jun 2026

CZNC Forecast — Price Target — Prediction for 2027 - TradingView

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Google News ue, 25 Aug 2026

Citizens & Northern (NASDAQ: CZNC) director adds 110 DRIP shares - Stock Titan

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Google News Fri, 07 Aug 2026

Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimates - Yahoo Finance

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Google News Mon, 03 Aug 2026

Insider Sale: Director at $CZNC Sells 2,278 Shares - quiverquant.com

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Google News Sun, 30 Aug 2026

(CZNC) Risk Channels and Responsive Allocation - Stock Traders Daily

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Google News ue, 25 Aug 2026

Citizens & Northern (NASDAQ: CZNC) director now holds 14,531 direct shares - Stock Titan

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CZNC — Frequently Asked Questions

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

As of 2026-09-07 16:24 PDT, Citizens & Northern Corporation (CZNC) trades at $26.11 on NasdaqCM. Its 52-week range is $18.07 to $26.11.

What is the market capitalisation of CZNC?

Citizens & Northern Corporation (CZNC) has a market capitalisation of $468.47M on NasdaqCM.

What is the P/E ratio of CZNC?

CZNC trades at a trailing price-to-earnings (P/E) ratio of 17.76. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.31.

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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Citizens & Northern Corporation CZNC R2KR3KFINANCIAL

Company Overview

Why Investors Should Care

Recent Developments

Growth & Price Performance

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Price Chart

Technical Trend

Fundamental Growth Charts

PROS

CONS

Valuation

Growth (CAGR)

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

CZNC Forecast — Price Target — Prediction for 2027 - TradingView

Citizens & Northern (NASDAQ: CZNC) director adds 110 DRIP shares - Stock Titan

Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimates - Yahoo Finance

Insider Sale: Director at $CZNC Sells 2,278 Shares - quiverquant.com

(CZNC) Risk Channels and Responsive Allocation - Stock Traders Daily

Citizens & Northern (NASDAQ: CZNC) director now holds 14,531 direct shares - Stock Titan

CZNC — Frequently Asked Questions

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

What is the market capitalisation of CZNC?

What is the P/E ratio of CZNC?

Does CZNC pay a dividend?

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

Is CZNC a good stock to buy?

Explore More