NASDAQ · Banks - Regional

Citizens & Northern Corp (CZNC) Stock

$24.86 -1.62% NASDAQ: CZNC Financial Services

Valuation

MetricValue
Price$24.86
Market Cap$445.41M
P/E Ratio17.37
P/B Ratio1.31
P/S Ratio2.79
EPS (TTM)$0.00
52-Week High$26.37
52-Week Low$18.87
Dividend Yield4.37%

Financials & Margins

MetricValue
ROE7.70%
ROA0.80%
ROCE0.43%
Gross Margin18.18%
Operating Margin18.83%
Net Margin15.42%
Debt/Equity0.58
Current Ratio1.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$109.0M$115.0M$136.0M$155.0M$154.0M
Operating Profit$38.0M$32.0M$30.0M$32.0M$29.0M
Net Profit$31.0M$27.0M$24.0M$26.0M$23.0M
EPS$1.92$1.71$1.57$1.69$1.46
Op Margin34.6%28.0%22.4%20.5%18.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.3B$2.5B$2.5B$2.6B$3.1B
Total Liabilities$2.0B$2.2B$2.3B$2.3B$2.8B
Cash$105.0M$55.0M$57.0M$126.0M$46.0M
Borrowings$78.0M$182.0M$212.0M$208.0M$193.0M

Latest News

Undervalued Small Caps With Insider Buying For May 2026 Simply Wall St. · May 18, 2026 CF Bankshares Inc. (CFBK) Q1 Earnings and Revenues Lag Estimates Zacks · May 5, 2026 First Internet Bancorp (INBK) Q1 Earnings Surpass Estimates Zacks · May 1, 2026 Camden National (CAC) Beats Q1 Earnings Estimates Zacks · Apr 28, 2026 Citizens & Northern AGM: Directors Elected, Crowe LLP Ratified, $0.28 Dividend Declared MarketBeat · Apr 24, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$35.0M$35.0M$34.0M$33.0M$32.0M
Investing Cash Flow$-106.0M$-238.0M$-55.0M$-23.0M$-2.0M
Financing Cash Flow$98.0M$63.0M$10.0M$78.0M$-31.0M
Net Cash Flow$0$-48.0M$5.0M$71.0M$-79.0M
Free Cash Flow$33.0M$31.0M$31.0M$31.0M$30.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-1.13
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.16%
Return 3Y29.87%
Return 5Y18.13%

Ownership

Insiders Held4.16%
Institutions Held31.89%
Institutions Float Held33.27%
Institutional HolderSharesReport Date
Blackrock Inc.1,187,9152026-03-31
Vanguard Capital Management LLC725,1192026-03-31
Dimensional Fund Advisors LP620,2872026-03-31
Geode Capital Management, LLC420,5012026-03-31
Citizens & Northern Corp359,8532026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CACCamden National Corporation $55.92 -0.82% 10.91 $945.79M 2.94%
CCNECNB Financial Corporation $33.28 -1.08% 10.89 $985.77M 2.23%
CFFIC&F Financial Corporation $102.30 +0.78% 10.96 $332.92M 1.95%
CZFSCitizens Financial Services, Inc. $78.50 -1.21% 9.44 $377.19M 2.52%
CZWICitizens Community Bancorp, Inc. $21.24 -0.79% 16.26 $204.84M 1.97%

About Citizens & Northern Corp

Citizens & Northern Corp is led by CEO J. Bradley Scovill, employs 386 people, headquartered in US, publicly traded since 1994.

Citizens & Northern Corp (CZNC) stock trades at $24.86 with a market capitalization of $445.41M. The stock is valued at a price-to-earnings (P/E) ratio of 17.37, price-to-book of 1.31, price-to-sales of 2.79. Over the past 52 weeks the stock has ranged between $18.87 and $26.37, and currently trades 5.7% below its 52-week high. It pays a dividend yielding 4.37%.

On profitability, Citizens & Northern Corp generates a return on equity (ROE) of 7.70%, return on capital employed of 0.43%, an operating margin of 18.83%, a net profit margin of 15.42%.

Related Financial Services Stocks

BRK.A Berkshire Hathaway Inc. $733370.00 +0.00% BRK.B Berkshire Hathaway Inc. New $482.70 +0.00% JPM JP Morgan Chase & Co. $332.74 +0.40% V Visa Inc. $385.29 +2.72% MA Mastercard Incorporated $587.96 +2.45% BAC Bank of America Corporation $54.26 +1.20% HSBC HSBC Holdings, plc $92.61 -1.17% MS Morgan Stanley $189.73 +1.22% RY Royal Bank Of Canada $191.40 +0.44% GS Goldman Sachs Group, Inc. (The) $895.51 +1.46% WFC Wells Fargo & Company $83.57 +1.88% MUFG Mitsubishi UFJ Financial Group, Inc. $22.27 -0.93%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksNasdaq High ROE StocksAll stock screens
Run Stock Screener Investing Guides