Citizens & Northern Corporation (CZNC)

NASDAQ: CZNC · USD

$27.4

-0.46 (-1.6%)· Recorded snapshot

Market cap	491.5M
Revenue (ttm)	142.6M
Net income (ttm)	34.9M
EPS (ttm)	$1.97
Shares out	18M
P/E (trailing)	13.9x
P/E (forward)	10.3x
Dividend	$1.20 (4.38%)
Volume	52,737
Beta	0.40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 142.6M
Net income (ttm): 34.9M
EPS (ttm): $1.97
P/E (trailing): 13.9x
P/E (forward): 10.3x
Market cap: 491.5M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.3

P25 n/aP50 n/aP75 n/a

Trailing P/E13.9

P25 n/aP50 n/aP75 n/a

ROE11

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CZNC indicators

Market & fundamental data

Available fields

246

Groups with data

Currency

USD

Showing 246 of 246 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000810958
Company name	Citizens & Northern Corporation
Country	United States
Country code	US
CUSIP number	172922106
Earnings date	2026-11-10
Earnings time	amc
Employees	460
Employees change	74
Employees growth	19.17%
Enterprise value	$555M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1864
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1729221069
Last 10-K release date	2026-03-06
Last earnings date	2026-08-07
Last refreshed	2026-10-28
Last stock split date	2007-12-28
Last stock split type	Forward
Market cap	$491.5M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$27.38
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	CZNC
U.S. state	Pennsylvania
Website	https://www.cnbankpa.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	15.31x
Average P/E ratio (3Y)	13.82x
Average P/E ratio (5Y)	13.44x
Earnings yield	7.18%
EV/Earnings	15.95x
EV/FCF	12.44x
EV/Sales	3.9x
FCF / EV yield	8.04%
FCF yield	9.08%
Forward EV/Sales	3.66x
Forward P/E	10.27x
Forward P/S	3.24x
Graham number	29.09126
Graham upside	5.86%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$9.83
Lynch upside	-64.22%
P/B ratio	1.46x
P/E ratio	13.92x
P/FCF ratio	11.02x
P/OCF ratio	10.73x
P/S ratio	3.46x
Price / tangible book value	1.82x
Sector forward P/E	13.23x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	19.45%
FCF margin	35.18%
Operating margin	35.38%
Pretax margin	30.54%
Profit margin	24.6%
Profit per employee	$75,867
Profitable quarters	67
Profitable years	16
Revenue per employee	$309,978
ROA	1.21%
ROA (5Y)	1.05%
ROE	11.01%
ROE (5Y)	9.3%
Tax / revenue	5.94%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	12.18%
EPS growth (Q)	116.88%
EPS growth (QoQ)	15.71%
EPS growth 10Y	4.33%
EPS growth 3Y	3.17%
EPS growth 5Y	0.86%
EPS growth quarters	1
EPS growth years	0
FCF growth	64.35%
FCF growth 3Y	7.29%
FCF growth 5Y	6.52%
Net income growth	29.28%
Net income growth (Q)	148.59%
Net income growth (QoQ)	15.85%
Net income growth 3Y	8.34%
Net income growth 5Y	3.22%
Net income growth quarters	1
Net income growth years	0
OCF growth	59.84%
OCF growth 10Y	9.59%
OCF growth 3Y	6.63%
OCF growth 5Y	5.95%
Revenue growth	30.06%
Revenue growth (Q)	55.92%
Revenue growth (QoQ)	3.55%
Revenue growth 10Y	9.61%
Revenue growth 3Y	10.23%
Revenue growth 5Y	7.2%
Revenue growth quarters	1
Revenue growth years	9

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.2M
EPS	$1.97
FCF per share	$2.49
Financing cash flow	$-85.2M
Free cash flow	$44.8M
Gross profit	$142.6M
Income taxes	$8.5M
Investing cash flow	$23.4M
Net borrowing	$-60.2M
Net cash flow	$-15.8M
Net income	$34.9M
Operating income	$50.4M
Revenue	$142.6M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$19.13
Debt / equity	0.48
Debt / FCF	3.65
Goodwill	$63.3M
Net cash (debt)	$-63.5M
Net cash / market cap	-12.87%
Net debt / equity	0.18
Net debt / FCF	1.42
Piotroski F-Score	4
Property, plant and equipment	$27.1M
Shareholders' equity	$343.3M
Tangible book value	$270.9M
Tangible book value per share	$15.09
Total assets	$3.2B
Total cash	$100M
Total debt	$163.5M
Total liabilities	$2.8B
WACC	4.84%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-2.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-15.6%
Dividend growth	1.79%
Dividend growth (10Y)	0.92%
Dividend growth (3Y)	0.59%
Dividend growth (5Y)	0.53%
Dividend growth years	0
Dividend payment date	2026-11-13
Dividend payment years	40
Dividend payout frequency	Quarterly
Dividend per share	$1.20
Dividend yield	4.38%
Ex-dividend date	2026-11-02
FCF payout ratio	48.12%
Last dividend	$0.30
Payout ratio	61.02%
Shareholder yield	-11.23%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	30.51%
10Y return CAGR	7.8%
10Y total return	111.91%
150-day SMA	$23.84
15Y price change	58.17%
15Y return CAGR	8.33%
15Y total return	232.29%
1D price change	-1.65%
1M price change	6.54%
1M total return	6.54%
1W price change	6.83%
1W total return	6.83%
1Y price change	40.12%
1Y return CAGR	47.43%
1Y total return	47.39%
20-day SMA	$25.90
200-day SMA	$23.50
20Y price change	24.13%
20Y return CAGR	6.01%
20Y total return	221.16%
3M price change	11.3%
3M total return	12.54%
3Y price change	55.66%
3Y return CAGR	21.86%
3Y total return	80.99%
50-day SMA	$25.78
50-day SMA vs 200-day SMA	50over200
52-week high	$28.31
52-week high date	2026-10-26
52-week low	$18.87
52-week low date	2025-11-17
5Y price change	6.95%
5Y return CAGR	6.81%
5Y total return	39.03%
6M price change	17.81%
6M total return	20.63%
All-time high	$36.41
All-time high date	2005-07-20
All-time low	$4.88
All-time low date	1990-12-03
Average true range (ATR)	$0.61
Average volume	63.8K
Beta (1Y)	-0.1
Beta (2Y)	0.4
Beta (5Y)	0.4
Change from 52-week high	-3.29%
Change from 52-week low	45.1%
Change from all-time high	-24.79%
Change from all-time low	461.3%
Change from open	0.66%
Day's gap	-2.3%
Dollar volume	$1.4M
High price	$27.38
Low price	$27.20
Monthly RSI	70.03
Open price	$27.20
Position in 52-week range	100%
Premarket change	0.57%
Premarket close	$27.84
Premarket price	$28.00
Premarket volume	288
Previous close	$27.84
Price vs 150-day SMA	14.84%
Price vs 20-day SMA	5.7%
Price vs 200-day SMA	16.54%
Price vs 50-day SMA	6.22%
Relative volume	0.83
RSI	65.42
Sharpe ratio	1.62
Sharpe ratio (3Y)	0.71
Sharpe ratio (5Y)	0.22
Sortino ratio	2.87
Sortino ratio (3Y)	1.27
Sortino ratio (5Y)	0.52
Volume	52.7K
Weekly RSI	67.81
YTD price change	35.75%
YTD total return	40.72%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	17M
Float percentage	94.92%
Shares change (QoQ)	0.12%
Shares change (YoY)	15.6%
Shares held by insiders	5.08%
Shares held by institutions	33.91%
Shares outstanding	18M
Short % of float	2.04%
Short % of shares	1.94%
Short ratio	6.3 days

Deeper analysis on CZNC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this CZNC report

Is a complete CZNC research report available?

No complete published report is available for Citizens & Northern Corporation (CZNC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Citizens & Northern Corporation (CZNC)

Price

Financial snapshot

Fair-value bridge

Latest news · CZNC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CZNC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CZNC

Frequently asked questions