Citizens & Northern Corporation

CZNC | NASDAQ

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$25.76

-$0.05 (-0.19%)

At close: Sep 21, 2026, 4:00 PM ET

$25.76

$0 (0.00%)

After-hours: Sep 21, 2026, 4:15 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

-0.19%

(1D)

Rating

Updated: Aug 31, 2026

39.5

Fundamentals Average

Market Sentiment Neutral

Moat Narrow

Full Analysis

Key Statistics

Market Data

Market Cap $461.53M

1D Range

25.71 25.91

52W Range

18.87 26.37

Valuation (TTM)

PE 38.45

PB 1.33

EV/EBITDA -7.04

Valuation (NTM)

Forward PE 10.54

Forward PEG 0.65

Price Target $23.50

Cash Flow

FCF Yield 8.1%

SBC Adj. FCF Yield 7.8%

SBC Impact -3.4%

Margins

Gross Margin 51.8%

Operating Margin 8.2%

FCF Margin 22.8%

Growth (CAGR)

Revenue 3Y | 5Y 9.3% | 8.1%

Dil EPS 3Y | 5Y -24.9% | -16.0%

FCF 3Y | 5Y 1.5% | 9.1%

Returns

ROA 0.8%

ROE 7.7%

ROIC 0.3%

Financial Health

Net Cash

$564.72M

Current Ratio 40.31

Interest Coverage 0.28

Dividends

Div Yield 4.35%

Payout Ratio 167.2%

FCF Payout Ratio 45.2%

All Key Statistics

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Profile

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clien...

Sector Financial Services

Industry Banks - Regional

Employees 460

IPO Date Apr 4, 1994

Website www.cnbankpa.com

Fiscal Year January - December

Full Company Profile

Latest News

No news articles available yet.

Earnings

Next Earnings

Oct 22, 2026

EPS Est

Pro

Rev Est

Pro

Earnings Details ➞

Analyst Summary

# of Analysts

Consensus

Hold

Price Target

$23.50

Downside

-8.77%

Buy (0)

Hold (1)

Sell (0)

Analyst Details ➞