CZNC Citizens & Northern Corporation
Financial ServicesAs of 2026-05-25
Valuation
View DetailsP/E (TTM)
15.56
PEG
—
P/B
1.11
P/S
2.28
EV/EBITDA
23.09
DCF Value
$10.78
FCF Yield
9.6%
Div Yield
5.3%
Margins & Returns
Gross Margin
59.4%
Operating Margin
12.9%
Net Margin
10.5%
ROE
5.5%
ROA
0.6%
ROIC
0.6%
Financials
View All| Period | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 null | $48.8M | $273.0K | $— |
| Q4 null | $36.0M | $4.5M | $— |
| FY null | $154.2M | $23.4M | $— |
| Q3 null | $40.4M | $6.6M | $— |
Analyst Ratings
View AllConsensus
Hold
Target (Consensus)
$23.50
Target (Median)
$23.50
Target Range
$23.50 - $23.50
Trading Activity
Insider Trades
View AllLatest News
Company Info
Sector
Financial Services
Industry
Banks - Regional
Country
US
Exchange
—
Beta
0.44
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.