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Citizens & Northern Corporation

CZNCNASDAQFinancial Services·US · USD
$25.63
+0.44 (+1.75%)
Prices as of October 2, 2026 · market closed

Price

Key statistics

Valuation
Market cap459.67M USD
Enterprise value547.17M USD
Trailing P/E17.44
Forward P/E9.32
PEG ratio0.18
Price / sales3.61
Price / book1.33
Profitability
Gross margin0.00%
Operating margin42.23%
Profit margin19.92%
Return on assets0.88%
Return on equity8.02%
Income (TTM)
Revenue127.27M USD
Gross profit127.27M USD
EBITDA0.00 USD
Net income25.27M USD
Diluted EPS$1.47
Rev. growth (YoY)53.20%
Balance sheet
Total cash83.59M USD
Total debt171.09M USD
Debt / equity0.49
Current ratio0.00
Book value / share$19.29
Cash flow (TTM)
Operating cash flow45.98M USD
Levered free cash flow23.25M USD
Shares & price
Shares outstanding17.94M
Float17.02M
Held by institutions34.04%
Beta0.39
50-day MA$25.58
200-day MA$23.02
52-week high$26.37
52-week low$18.87
Dividends
Forward rate
$1.12
Yield
4.37%
Payout ratio
76.19%
Frequency
Quarterly
Recent payments
  • 2026-08-03$0.28
Earnings (EPS)
DateEst.ActualSurprise2026-07-230.630.79+25.40%2026-05-080.110.13+18.18%2026-04-290.580.02−96.55%2026-03-040.060.15+150.00%
About Citizens & Northern Corporation

Citizens & Northern Corporation is a bank holding company focused on community banking and related financial services. Citizens & Northern Corporation provides deposit accounts, commercial and consumer lending, mortgage banking, and treasury-focused solutions for individual, business, and municipal customers. Through its banking and wealth management operations, it also offers trust administration, retirement planning, estate services, investment management, and insurance products. The company serves customers across north central Pennsylvania and selected areas of southern New York, with an emphasis on relationship-based banking for local households and small to mid-sized businesses. Citizens & Northern Corporation plays a regional role in the financial market by combining traditional banking products with advisory and fiduciary services through its subsidiary network.

Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. J. Bradley Scovill
Employees
460
Headquarters
Wellsboro, PA, United States

Frequently asked questions about Citizens & Northern Corporation