CZNC Citizens & Northern Corporation logo

CZNC Citizens & Northern Corporation

Financial Services
$21.07-0.57%ClosedMarket Cap: $377.5M

As of 2026-05-25

Valuation

View Details

P/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
PeriodRevenueNet IncomeEPS
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 All

Consensus

Hold

Target (Consensus)

$23.50

Target (Median)

$23.50

Target Range

$23.50 - $23.50

0 Strong Buy0 Buy1 Hold0 Sell0 Strong Sell
Piper SandlerNeutral
2026-01-29
Piper SandlerNeutral
2025-10-24

Trading Activity

Insider Trades

View All
Santiago Helen Sdirector
SellThu May 21
Santiago Helen Sdirector
SellThu May 21
RUDY THOMAS L JRofficer: EXEC. VP
SellThu May 21
RUDY THOMAS L JRofficer: EXEC. VP
SellThu May 21
REBER JOHN Mofficer: EXEC. VP
SellThu May 21

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.

Peers