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Citizens & Northern Corporation (CZNC)
Price$21.35
Value ScoreC
Growth ScoreD
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (26W)-2.02%
Price vs S&P 500 (4W)-1.28%
VGM Score30.74
Market Capitalization$382.52M
P/E Ratio (Annual)16.33x
Indicated Dividend Yield (Annual)5.36%
All Metrics
P/CF (Annual)11.95x
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)-2.31%
Net Profit Margin (TTM)25.63%
EPS (TTM)$1.09
10-Day Avg Trading Volume0.05M
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)21.98x
Revenue Growth QoQ (YoY)22.81%
EPS Growth (5Y)2.38%
P/E Normalized (Annual)16.33x
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 Ratio1.14x
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 Volume0.04M
52-Week Price Return18.15%
EV / Free Cash Flow (Annual)14.05x
P/E Incl Extra (TTM)21.98x
Tangible BV / Share (Quarterly)$18.14
P/S Ratio (Annual)2.79x
52-Week High$24.12
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 Return5.90%
13-Week Price Return-4.22%
Total Debt / Equity (Annual)0.12x
Enterprise Value$422.96M
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 Dev23.91%
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)10.19x
EV / Free Cash Flow (TTM)11.27x
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/E8.19x
Free OCF CAGR (5Y)6.82%
Price vs S&P 500 (52W)-6.21%
P/E Ratio (TTM)21.98x
EPS Growth TTM (YoY)-38.06%
Year-to-Date Return5.85%
5-Day Price Return3.14%
EPS Normalized (Annual)$1.47
ROA (5Y Avg)1.02%
Net Profit Margin (Annual)24.75%
Month-to-Date Return1.38%
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)9.79x
ROI (5Y Avg)8.01%
P/E Excl Extra (TTM)21.98x
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)-12.47%
Net Margin Growth (5Y)-1.52%
Dividend Yield (TTM)4.43%
Beta0.41x
P/FCF (Annual)12.71x
Revenue / Share (TTM)$7.06
ROE (TTM)5.54%
52-Week Low$18.02
vGradeC
gGradeD
mGradeF
vgmGradeD
Show chart for
Earnings Surprise History
Q1 260.02est. 0.59
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
2.29
2.17
2.17
2.17
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CZNCCitizens & Northern Corporation | C | D | F | $21.35 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| 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 | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
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.