CZNC

Citizens & Northern

Fundamental data last updated:March 2, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

52

Business Summary

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank, which provides a range of banking and financial services. Its offerings cater to individual, business, and government customers, including various deposit products, loans, and wealth management services.

 


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VALUATION

P/E

15.4

Market Cap ($M USD)

$400

Forward P/E

8.2

PEG

1.3

PRICE TO SALES

3

PRICE TO BOOK

1.2

EV / EBITDA

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

5.00%

Annual Payout

$1.12

Payout Ratio

64.00%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

0.70%

Financial Health & Profitability

Earnings Per Share

$1.75

Next Year EPS Growth Estimate

$2.72

Next Year Revenue Growth Estimate

5.50%

Return on Equity (ROE)

9.20%

FREE CASH FLOW

Operating Margin

34.50%

Debt-to-Equity

0.6

Piotroski F-Score

Altman Z-Score

Return on Invested Capital (ROIC)

Current Ratio

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze CZNC on TradingView

Gainseekers Quantitative Analysis

Summary

Citizens & Northern has a market capitalization of $400 million and trades at a Price / Earnings ratio of 15.4. The company offers a TTM Yield of 5.00% with a Payout Ratio of 64.00%. The current consensus rating is 2.33, with a mean consensus target price of $24.25.

AI Exposure / Tech Reliance

The provided data does not contain information regarding AI exposure or technology reliance.

The Bull Case

The forward-looking valuation appears favorable with a Forward P/E of 8.2, supported by an estimated EPS Next Year of $2.72. Analysts project Sales Growth Next Year of 5.50%, and the company has a Return on Equity of 9.20%.

The Bear Case

The company's Payout Ratio is 64.00%, which could limit future dividend growth, and its PEG Forward ratio is 1.3. The Debt / Equity ratio stands at 0.6, while institutional ownership is 31.30%.

Market Sentiment & Smart Money

Short Interest %

1.90%

Analyst Consensus

2.33

Average Analyst Price Target

$24.25

Institutional Ownership %

31.30%

1-Year Beta

Insider Buying % (6 Mo)

Distance to 52-Week High

Distance to 52-Week Low

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.