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Citizens & Northern Corporation (CZNC)
Price$23.68
Favorite Metrics
Price vs S&P 500 (26W)14.40%
Price vs S&P 500 (4W)-0.04%
Market Capitalization$425.46M
P/E Ratio (Annual)18.16x
Indicated Dividend Yield (Annual)4.72%
All Metrics
P/CF (Annual)13.29x
Book Value / Share (Quarterly)$19.17
P/TBV (Annual)1.09x
Indicated Dividend (Annual)$1.12
Revenue Growth (3Y)12.67%
Cash Flow / Share (Quarterly)$1.69
Payout Ratio (TTM)69.55%
Price vs S&P 500 (YTD)13.51%
Net Profit Margin (TTM)25.63%
EPS (TTM)$1.49
10-Day Avg Trading Volume0.04M
EPS Excl Extra (TTM)$1.49
Revenue Growth (5Y)15.10%
EPS (Annual)$1.47
Dividend / Share (Annual)$0.98
ROI (Annual)6.11%
Net Profit Margin (5Y Avg)26.58%
Cash / Share (Quarterly)$1.69
P/E Basic Excl Extra (TTM)18.16x
Revenue Growth QoQ (YoY)22.81%
EPS Growth (5Y)2.38%
P/E Normalized (Annual)18.16x
ROA (Last FY)0.75%
Revenue Growth TTM (YoY)23.95%
EBITD / Share (TTM)$1.94
ROE (5Y Avg)9.26%
Operating Margin (TTM)31.60%
Cash Flow / Share (Annual)$1.69
P/B Ratio1.25x
P/B Ratio (Quarterly)1.05x
Net Income / Employee (Annual)$0
ROA (TTM)0.85%
EPS Growth QoQ (YoY)-52.78%
EV / EBITDA (TTM)15.06x
EPS Incl Extra (Annual)$1.47
3-Month Avg Trading Volume0.05M
52-Week Price Return26.49%
EV / Free Cash Flow (Annual)15.52x
P/E Incl Extra (TTM)18.16x
Tangible BV / Share (Quarterly)$18.52
P/S Ratio (Annual)2.79x
52-Week High$24.11
Operating Margin (5Y Avg)32.22%
EPS Excl Extra (Annual)$1.47
CapEx CAGR (5Y)-9.51%
Tangible BV CAGR (5Y)2.21%
26-Week Price Return23.14%
13-Week Price Return12.84%
Total Debt / Equity (Annual)0.12x
Enterprise Value$466.995
Revenue / Share Growth (5Y)7.70%
Book Value / Share Growth (5Y)0.33%
Pretax Margin (Annual)30.08%
Cash / Share (Annual)$1.66
3-Month Return Std Dev25.00%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)4.25%
EBITDA Interim CAGR (5Y)-7.13%
ROE (Last FY)6.86%
EPS Basic Excl Extra (Annual)$1.47
P/FCF (TTM)14.14x
EV / Free Cash Flow (TTM)15.52x
Total Debt / Equity (Quarterly)0.12x
EPS Incl Extra (TTM)$1.49
ROI (TTM)6.85%
Dividend Growth Rate (5Y)0.04%
P/S Ratio (TTM)2.78x
Pretax Margin (5Y Avg)32.22%
Revenue / Share (Annual)$6.96
Tangible BV / Share (Annual)$18.52
Forward P/E9.47x
Free OCF CAGR (5Y)6.82%
Price vs S&P 500 (52W)-8.60%
P/E Ratio (TTM)18.16x
EPS Growth TTM (YoY)-12.58%
Year-to-Date Return17.65%
5-Day Price Return0.38%
EPS Normalized (Annual)$1.47
ROA (5Y Avg)1.02%
Net Profit Margin (Annual)24.75%
Month-to-Date Return6.22%
Cash Flow / Share (TTM)$1.98
EBITD / Share (Annual)$1.94
EPS Growth (3Y)-5.05%
Operating Margin (Annual)30.08%
LT Debt / Equity (Annual)0.12x
P/CF (TTM)13.29x
ROI (5Y Avg)8.01%
P/E Excl Extra (TTM)18.16x
LT Debt / Equity (Quarterly)0.12x
EPS Basic Excl Extra (TTM)$1.49
P/TBV (Quarterly)1.09x
Payout Ratio (Annual)69.55%
P/B Ratio (Annual)1.05x
Dividend / Share (TTM)$0.98
Pretax Margin (TTM)31.60%
Book Value / Share (Annual)$19.17
Price vs S&P 500 (13W)9.97%
Net Margin Growth (5Y)-1.52%
Dividend Yield (TTM)3.83%
Beta0.50x
P/FCF (Annual)14.14x
Revenue / Share (TTM)$7.06
ROE (TTM)7.78%
52-Week Low$18.02
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.29
2.17
2.29
2.17
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CZNCCitizens & Northern Corporation | 1.05x | 7.78% | 0.85% | — | $23.68 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
Citizens & Northern Corp is a community bank providing deposit and loan services to personal and commercial customers through its subsidiary operations. The company also operates a trust division offering retirement planning, estate planning, asset management, and 401(k) administration services.