Citizens & Northern Corporation (CZNC) Stock Price

CZNCStock

$25.78+26.94%52W

Market Cap$462.36M

P/E19.87x

PEG Ratio1.21

Div yield5.69%

Beta0.41

CZNC Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-0.47%

Price vs S&P 500 (4W)0.57%

PEG Ratio1.21

VGM Score46.60

P/E Ratio (Annual)19.87x

Indicated Dividend Yield (Annual)5.69%

P/CF (Annual)14.54x

Book Value / Share (Quarterly)$18.74

P/TBV (Annual)1.09x

Indicated Dividend (Annual)$1.12

Revenue Growth (3Y)12.67%

Cash Flow / Share (Quarterly)$2.10

Payout Ratio (TTM)97.41%

Price vs S&P 500 (YTD)17.00%

Net Profit Margin (TTM)25.63%

EPS (TTM)$1.09

10-Day Avg Trading Volume0.08M

EPS Excl Extra (TTM)$1.09

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)26.74x

Revenue Growth QoQ (YoY)22.81%

EPS Growth (5Y)2.38%

P/E Normalized (Annual)19.87x

ROA (Last FY)0.75%

Revenue Growth TTM (YoY)23.95%

EBITD / Share (TTM)$2.91

ROE (5Y Avg)9.26%

Operating Margin (TTM)31.60%

Cash Flow / Share (Annual)$1.69

P/B Ratio1.39x

P/B Ratio (Quarterly)1.19x

Net Income / Employee (Annual)$50,900

ROA (TTM)0.60%

EPS Growth QoQ (YoY)-96.25%

EV / EBITDA (TTM)17.58x

EPS Incl Extra (Annual)$1.47

3-Month Avg Trading Volume0.06M

52-Week Price Return26.94%

EV / Free Cash Flow (Annual)16.81x

P/E Incl Extra (TTM)26.74x

Tangible BV / Share (Quarterly)$18.14

P/S Ratio (Annual)2.79x

52-Week High$26.26

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 Return10.78%

13-Week Price Return22.75%

Total Debt / Equity (Annual)0.12x

Enterprise Value$505.85M

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 Dev23.46%

Net Income / Employee (TTM)$37,800

EBITDA CAGR (5Y)9.89%

EBITDA Interim CAGR (5Y)9.94%

ROE (Last FY)6.86%

EPS Basic Excl Extra (Annual)$1.47

P/FCF (TTM)12.40x

EV / Free Cash Flow (TTM)13.48x

Total Debt / Equity (Quarterly)0.12x

EPS Incl Extra (TTM)$1.09

ROI (TTM)4.90%

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/E10.16x

Free OCF CAGR (5Y)6.82%

Price vs S&P 500 (52W)8.63%

P/E Ratio (TTM)26.74x

EPS Growth TTM (YoY)-38.06%

Year-to-Date Return28.95%

5-Day Price Return-0.31%

EPS Normalized (Annual)$1.47

ROA (5Y Avg)1.02%

Net Profit Margin (Annual)24.75%

Month-to-Date Return2.44%

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)11.91x

ROI (5Y Avg)8.01%

P/E Excl Extra (TTM)26.74x

LT Debt / Equity (Quarterly)0.12x

EPS Basic Excl Extra (TTM)$1.09

P/TBV (Quarterly)1.23x

Payout Ratio (Annual)69.55%

P/B Ratio (Annual)1.05x

Dividend / Share (TTM)$1.02

Pretax Margin (TTM)31.60%

Book Value / Share (Annual)$19.17

Price vs S&P 500 (13W)19.95%

Net Margin Growth (5Y)-1.52%

Dividend Yield (TTM)3.64%

Beta0.41x

P/FCF (Annual)15.46x

Revenue / Share (TTM)$7.06

ROE (TTM)5.54%

52-Week Low$18.87

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CZNC Earnings Surprise History

Q2 250.40est. 0.47

Q3 250.47est. 0.53

Q4 250.57est. 0.58

Q1 260.02est. 0.58

Q2 260.79est. 0.63

CZNC Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

2.17

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
CZNCCitizens & Northern Corporation	D	D	B	$25.78
BNSBank of Nova Scotia	C	C	C	$93.10
BNYBank of New York Mellon Corporation	F	B	A	$163.65
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.66
DBDeutsche Bank Aktiengesellschaft	A	C	C	$39.04
STTState Street Corporation	C	B	A	$192.95
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.31
FITBFifth Third Bancorp	D	C	C	$54.89
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.19
MTBM&T Bank Corp.	C	B	C	$240.41
NTRSNorthern Trust Corp	D	C	B	$186.82
CFGCitizens Financial Group, Inc.	C	C	C	$69.83
FCNCAFirst Citizens BancShares Inc	C	B	C	$2158.92
EWBCEast-West Bancorp Inc	C	B	D	$129.43
ALLYAlly Financial Inc.	A	C	D	$42.60
BPOPPopular Inc	C	C	B	$169.55
SSBSouthState Bank Corporation	C	B	C	$106.12
WTFCWintrust Financial Corp	B	B	D	$151.09
PBProsperity Bancshares Inc	D	D	D	$72.53
WALWestern Alliance Bancorporation	B	B	F	$79.63
COLBColumbia Banking Systems Inc	B	C	D	$30.53
CBSHCommerce Bancshares Inc	C	D	C	$58.23
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	B	$32.66
UBSIUnited Bankshares Inc	C	C	C	$47.41
GBCIGlacier Bancorp Inc	D	C	F	$47.35
HWCHancock Whitney Corporation Common Stock	C	C	C	$74.66
HOMBHome BancShares, Inc.	C	D	D	$29.90
ASBAssociated Banc-Corp	B	C	C	$30.82
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.52
ABCBAmeris Bancorp	D	C	D	$85.54
FFINFirst Financial Bankshares Inc	D	D	D	$33.71
SFBSServisFirst Bancshares Inc.	D	B	D	$43.13
IBOCInternational Bancshares Corp	C	C	D	$70.81
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.59
FBPFirst BanCorp.	C	C	B	$28.00
UCBUnited Community Banks, Inc.	B	B	D	$35.11
CATYCathay General Bancorp	C	C	C	$61.89
INDBIndependent Bank Corp/MA	C	C	D	$83.19
CVBFCVB Financial Corp	D	D	C	$22.39
RNSTRenasant Corporation	C	B	D	$41.01
MCHBMechanics Bancorp Class A Common Stock	D	C	D	$16.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.06
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.00
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.78
BOHBank of Hawaii Corp.	C	C	D	$76.16
FBKFB Financial Corporation	D	B	D	$57.28
FBNCFirst Bancorp/NC	D	C	C	$63.96
CUBICUSTOMERS BANCORP INC	B	B	D	$78.30
SYBTStock Yards Bancorp, Inc.	D	C	C	$80.14
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$29.99

About Citizens & Northern Corporation

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.