NASDAQ · Banks - Regional

Citizens & Northern Corp (CZNC) Stock

$24.94 -1.31% NASDAQ: CZNC Financial Services

Valuation

MetricValue
Price$24.94
Market Cap$446.84M
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
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

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 $24.94 with a market capitalization of $446.84M. 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 5.4% 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%.

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