Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

CZNC stock hub

Citizens & Northern Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

387.4M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

CZNC

In the news

Latest news · CZNC

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.3

P25 8.8P50 10.4P75 13.1

Trailing P/E20.8

P25 10.9P50 14.7P75 36.2

ROE5.6

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All CZNC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

213

Groups with data

Currency

USD

Showing 213 of 213 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0000810958
Company name	Citizens & Northern Corporation
Country	United States
Country code	US
Cusip	172922106
Employees	460
Employees Change	74%
Employees Change Percent	19.17
Enterprise value	$525.6M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US1729221069
Last refreshed	2026-05-10
Market cap	$387.4M
Market cap category	Small-Cap
Price	$21.63
Price currency	USD
Rev Per Employee	245,504.35x
Sector	Financials
Sic	6022
Symbol	CZNC
Website	https://www.cnbankpa.com

Valuation

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

Metric	Value
Earnings Yield	4.45%
EV Earnings	30.52x
EV/Sales	4.65x
Forward P/E	8.32x
P/B ratio	1.15x
P/E ratio	20.78x
P/S ratio	3.43x
PE Ratio10 Y	15.39x
PE Ratio3 Y	13.19x
PE Ratio5 Y	13.42x

Profitability

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

Metric	Value
Gross Profit	$112.9M
Net Income	$17.2M
Net Income Growth	-35.4%
Net Income Growth Q	-95.66%
Net Income Growth Years	0%
Net Income Growth3 Y	-12.45%
Net Income Growth5 Y	-6.11%
Pretax Margin	18.84%
Profit Margin	15.41%
Profit Per Employee	$37,446
Profitable Years	16
ROA	0.6
Roa5y	1.05
ROE	5.64
Roe5y	9.3

Growth

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

Metric	Value
Cagr10y	6%
Cagr15y	7.17%
Cagr1y	19.64%
Cagr20y	4.64%
Cagr3y	12.24%
Cagr5y	2.41%
Div CAGR10	0.74%
Div CAGR3	0%
Div CAGR5	0.54%
EPS Growth	-40.27
EPS Growth Q	-96.22
EPS Growth Years	0
EPS Growth3 Y	-14.49
EPS Growth5 Y	-7.59
Revenue Growth	4.46x
Revenue Growth Q	-13.83x
Revenue Growth Quarters	5x
Revenue Growth Years	9x
Revenue Growth3 Y	3.52x
Revenue Growth5 Y	3.2x

Financial strength

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

Metric	Value
Assets	$3.2B
Cash	$56M
Debt	$194.2M
Equity	$335.6M
Liabilities	$2.8B
Net Cash	$-138.3M
Net Cash By Market Cap	$-35.69
Net Debt Equity	$0.41
Tangible Book Value	$261.5M
Tangible Book Value Per Share	$14.6
WACC	4.43

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-2.6B

Dividends and buybacks

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

Metric	Value
Buyback Yield	-8.23%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$1.12
Dividend Years	40
Dividend Yield	5.18%
Ex Div Date	2026-05-04
Last Dividend	$0.28
Payout Frequency	Quarterly
Payout Ratio	107.28%

Performance and technicals

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

Metric	Value
10Y total return	79.04%
1Y total return	19.63%
200-day SMA	20.95
3Y total return	41.39%
50-day SMA	22.54
50-day SMA vs 200-day SMA	50over200
5Y total return	12.62%
All Time High	36.41
All Time High Change	-40.59%
All Time High Date	2005-07-20
All Time Low	4.88
All Time Low Change	343.42%
All Time Low Date	1990-12-03
ATR	0.55
Beta	0.44
Beta1y	0.39
Beta2y	0.66
Ch YTD	7.24
High	21.82
High52	24.12
High52 Date	2026-02-18
High52ch	-10.3%
Low	21.45
Low52	18.02
Low52 Date	2025-06-05
Low52ch	20.03%
Ma50ch	-4.04%
Price vs 200-day SMA	3.25%
RSI	37.74
RSI Monthly	54.73
RSI Weekly	48.81
Sharpe ratio	0.71x
Sortino ratio	1.28
Total Return	-3.06%
Tr YTD	9.94
Tr15y	182.6%
Tr1m	-4.31%
Tr1w	-2.57%
Tr3m	-6.76%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Ratings	Hold
Earnings EPS Estimate	$0.58
Earnings EPS Estimate Growth	41.46
Earnings Revenue Estimate	7,360,000x
Earnings Revenue Estimate Growth	-72.72x
Operating Income	$29.2M
Operating margin	25.87
Price target	$23.5
Price Target Change	$8.65

Ownership and float

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

Metric	Value
Float	17,011,881%
Float Percent	94.99%
Shares Insiders	5.01%
Shares Institutions	30.68%
Shares Out	17,909,958
Shares Qo Q	0.38%
Shares Yo Y	8.23%
Short Float	1.64%
Short Ratio	6.96
Short Shares	1.56

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	33,524.3x
Bv Per Share	18.74
CAPEX	$-1.6M
Ch10y	8.8
Ch15y	34.77
Ch1m	-5.5
Ch1w	-3.78
Ch1y	13.25
Ch20y	-5.18
Ch3m	-7.92
Ch3y	19.5
Ch5y	-13.38
Ch6m	12.25
Change	-0.69%
Change From Open	-0.69
Close	21.78
Days Gap	0
Dollar Volume	493,531.7
Earnings Date	2026-07-29
Earnings Time	amc
EPS	$1.04
F Score	4
Financing CF	-68,090,000
Fiscal Year End	December
Founded	1,864
Goodwill	63,311,000
Graham Number	20.94762
Graham Upside	-3.15
Income Tax	$3.9M
Investing CF	-29,674,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-01-28
Last Report Date	2026-03-31
Last Split Date	2007-12-28
Last Split Type	Forward
Last10k Filing Date	2026-03-06
Lynch Fair Value	$5.2
Lynch Upside	-75.94
Ma150	21.39
Ma150ch	1.14%
Ma20	22.83
Ma20ch	-5.26%
Net CF	-58,690,000
Next Earnings Date	2026-05-22
Open	21.78
Optionable	Yes
P OCF Ratio	9.91
Payment Date	2026-05-15
Position In Range	48.65
Ppne	27,256,000
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	0.68x
Revenue	112,932,000x
SBC By Revenue	1.13x
Share Based Comp	1,275,000
Tax By Revenue	3.42x
Tax Rate	18.18%
Tr20y	147.66%
Tr6m	15.08%
Us State	Pennsylvania
Volume	22,817

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

CZNC dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.2%

$1.12 annual per share

Payout ratio

+107.3%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+0.5%

0 consecutive years of growth

Total shareholder yield

-3.1%

Next ex-dividend date: 2026-05-04

Performance

CZNC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns CZNC?

Insider, institutional, and short-interest positioning.

Institutional ownership

+30.7%

Float: +95.0% of shares outstanding

Insider ownership

+5.0%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

CZNC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

37.7

Neutral momentum band

Price vs 200-day MA

+3.3%

50/200-day relationship not available

Beta (5Y)

0.44

Less volatile than the market

Sharpe ratio

0.71

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

CZNC vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	减持
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	减持
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	减持

Questions

About CZNC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current CZNC stock rating?

Citizens & Northern Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CZNC analysis?

The full report lives at /stocks/CZNC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for CZNC?

The latest report frames CZNC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the CZNC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.