Citizens & Northern Corporation CZNC R2K

Financial Services · Banks - Regional · United States

https://www.cnbankpa.com

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.

Market & Price

Market Cap

$377.32M

Current Price

$21.06

High / Low (52W)

$23.61 / $17.11

Beta

0.44

Valuation

Stock P/E

19.68

Industry PE

12.01

Forward P/E

7.80

PEG Ratio

1.21

Book Value

$18.74

Price to Book

1.12

P/S

3.34

EV/EBITDA

Dividend Yield

5.33%

Profitability & Returns

ROCE

ROE

5.64%

ROA

0.60%

Profit Margin

15.41%

Op Margin

1.45%

EPS (Latest Qtr)

$0.02

EPS (TTM)

$1.07

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$194.23M

Total Assets

$3.13B

Current Assets

Working Capital

Ownership

Promoter Holding

4.15%

Chg in Prom Hold

FII / Inst Holding

31.53%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$515.57M

Total Revenue (TTM)

$112.93M

EBITDA

Free Cash Flow

Operating Cash Flow

$39.07M

Shares Outstanding

17.92M

Gross Margin

0.00%

Payout Ratio

104.67%

Growth (CAGR)

Revenue 5Y

4.48%

Profit 5Y

-4.17%

Revenue (YoY)

-13.80%

Earnings (YoY)

-96.20%

PROS

Attractive dividend yield of 5.33%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -4.2% CAGR over 5 years.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 R2K	21.06	19.68	$377.32M	5.33%	-	5.64%	4.48%	-4.17%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	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
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	4.07M	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	-	-	6.29M	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

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
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	105.96M	103.14M	106.51M	120.84M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	9.52M	33.10M	48.96M	47.36M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	32.35M	30.48M	31.87M	28.64M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	5.73M	6.33M	5.91M	5.22M
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	-	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	-	1.71	1.57	1.69	1.46

Compounded Sales Growth

5 Years:	4.48%
1 Year:	-13.80%

Compounded Profit Growth

5 Years:	-4.17%
1 Year:	-96.20%

Stock Price Performance

1 Year:	+19.93%
6 Months:	+7.42%
3 Months:	-5.05%
1 Month:	-7.28%

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	-	2.45B	2.52B	2.61B	3.13B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	-	55.05M	56.88M	126.17M	46.06M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.65M	9.14M	8.73M	11.59M
Total Liabilities	-	-	1.18B	1.16B	1.10B	1.06B	1.05B	1.04B	1.06B	1.09B	1.09B	1.41B	1.94B	-	2.20B	2.25B	2.34B	2.79B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	148.50M	125.36M	83.81M	73.34M	73.06M	38.77M	38.45M	9.19M	35.91M	-	-	-	62.60M	177.88M	205.18M	160.85M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	178.72M	209.38M	205.18M	187.85M
Total Equity	-	-	-	-	182.79M	179.47M	188.36M	187.49M	186.01M	188.44M	197.37M	244.45M	299.76M	-	249.32M	262.38M	275.28M	341.71M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.03M	16.03M	16.03M	18.30M

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	-	34.60M	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	-	-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	-	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	-	-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	-	31.31M	31.28M	31.13M	30.10M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-48.15M	5.08M	70.80M	-78.87M
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 %	-	-	-	-	-	-	-	-	-	-	-	-	-	25.1%	23.4%	24.4%	19.4%
ROE %	-	-	-	12.4%	10.4%	9.1%	8.8%	8.5%	7.1%	11.2%	8.0%	6.4%	-	10.7%	9.2%	9.4%	6.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.15%

Institutions

31.53%

Public Float

32.89%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.63%	1.19M	$25.02M
2	Vanguard Capital Management LLC	4.05%	725.12K	$15.27M
3	Dimensional Fund Advisors LP	3.46%	620.29K	$13.06M
4	Geode Capital Management, LLC	2.35%	420.50K	$8.86M
5	Citizens & Northern Corp	2.01%	359.85K	$7.58M
6	State Street Corporation	1.87%	335.36K	$7.06M
7	Northern Trust Corporation	0.77%	137.97K	$2.91M
8	Vanguard Fiduciary Trust Co	0.67%	119.24K	$2.51M
9	Bank Of New York Mellon Corporation	0.64%	114.72K	$2.42M
10	Pennsylvania Capital Management, Inc.	0.56%	99.97K	$2.11M

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