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

Market Data

Market Cap $462.43M

Enterprise Value $-103.19M

Beta 0.39

Average Volume 63.22K

Shares Outstanding (Diluted) 17.67M

Shares Change YoY 15.01%

Institutional Ownership 31.26%

Exchange NASDAQ

ISIN US1729221069

Price Performance

Price Change 1M 0.0%

Price Change 3M 16.6%

Price Change 6M 16.9%

Price Change YTD 29.0%

Price Change 1Y 28.9%

Price Change 3Y 45.6%

Price Change 5Y 3.1%

1M CAGR (ann.) 2.1%

1Y CAGR (ann.) 35.6%

5Y CAGR (ann.) 6.9%

All-Time CAGR 5.8%

Valuation

PE Ratio 38.45

Forward PE 10.54

PEG Ratio -1.13

Forward PEG 0.65

PS Ratio 2.81

Forward PS 3.00

PB Ratio 1.33

P/FCF Ratio 12.30

P/Adj. FCF Ratio 12.73

P/OCF Ratio 9.91

EV/Sales -0.63

EV/EBIT -7.70

EV/EBITDA -7.04

EV/FCF -2.75

Earnings Yield 2.6%

FCF Yield 8.1%

Adj. FCF Yield 7.8%

Financial Health

Net Cash $564.72M

Total Debt $14.64M

Cash & Short-Term Investments $579.37M

Total Assets $3.15B

Current Ratio 40.31

Quick Ratio 40.31

Debt / Equity Ratio 0.49

Debt / EBITDA 1.00

Debt / FCF 0.39

OCF / Debt 2.67

Interest Coverage 0.28

Altman Z-Score 0.46

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 51.8%

Operating Profit Margin 8.2%

EBITDA Margin 8.9%

Net Profit Margin 15.4%

FCF Margin 22.8%

Adj. FCF Margin 22.1%

SBC / Revenue 0.8%

SBC Impact (per share) -3.4%

Returns

Return on Assets 0.8%

Return on Equity 7.7%

Return on Invested Capital 0.3%

Return on Capital Employed 0.4%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 9.3%

Revenue CAGR 5Y 8.1%

Revenue CAGR 10Y 10.4%

EPS CAGR 3Y -24.9%

EPS CAGR 5Y -16.0%

EPS CAGR 10Y -6.3%

FCF CAGR 3Y 1.5%

FCF CAGR 5Y 9.1%

FCF CAGR 10Y 7.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $17.18

Graham Upside -33.3%

Lynch Fair Value $3.35

Lynch Upside -87.0%

Price Target $23.50

Price Target Upside -8.8%

Cash Flow

Operating Cash Flow $39.07M

Free Cash Flow $37.52M

Adj. Free Cash Flow $36.25M

FCF Per Share $2.55

OCF Per Share $2.60

OCF/S Ratio 28.0%

Income Statement

Revenue $164.34M

Gross Profit $85.07M

Operating Income $13.41M

EBITDA $14.66M

Net Income $25.35M

EPS (Diluted) $0.67

Revenue / Employee $357.26K

Profit / Employee $55.1K

Employees 460

Dividends

Annual Dividend $1.12

Dividend Yield 4.35%

Payout Ratio 167.2%

FCF Payout Ratio 45.2%

Adj. FCF Payout Ratio 46.8%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 2, 2026