NASDAQ : CZNC
Citizens & Northern Corporation — Key statistics
Financials · Banks - Regional · United States
Last price 27.82 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 499.38M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 503.15M |
| Enterprise Value | 566.62M |
Dates
| Measure | Value |
|---|
| Earnings Date | Nov 13, 2026 |
| Ex-Dividend Date | Nov 2, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | 17.95M |
| Shares Outstanding | 17.95M |
| Shares Change (YoY) | +15.60% |
| Shares Change (QoQ) | +0.12% |
| Owned by Insiders (%) | 5.08% |
| Owned by Institutions (%) | 33.91% |
| Float | 17.04M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 14.25 |
| Forward PE | 10.16 |
| PS Ratio | 3.53 |
| Forward PS | 3.30 |
| PB Ratio | 1.47 |
| P/TBV Ratio | 1.86 |
| P/FCF Ratio | 11.24 |
| P/OCF Ratio | 10.94 |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 16.24 |
| EV / Sales | 3.97 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.66 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.48 |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.65 |
| Interest Coverage | n/a |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 11.01% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.80% |
| Revenue Per Employee | $309,978 |
| Profits Per Employee | $75,867 |
| Employee Count | 460 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 8.47M |
| Effective Tax Rate | 19.45% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.38 |
| 52-Week Price Change | +45.69% |
| 50-Day Moving Average | 25.87 |
| 200-Day Moving Average | 23.57 |
| Relative Strength Index (RSI) | 71.04 |
| Average Volume (20 Days) | 63,815 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 327,514 |
| Short Previous Month | 348,010 |
| Short % of Shares Out | 1.82% |
| Short % of Float | 1.92% |
| Short Ratio (days to cover) | 5.98 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 142.59M |
| Gross Profit | 142.59M |
| Operating Income | 50.45M |
| Pretax Income | 43.55M |
| Net Income | 34.90M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.97 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 99.99M |
| Total Debt | 163.46M |
| Net Cash | -63.47M |
| Net Cash Per Share | -$3.54 |
| Equity (Book Value) | 343.32M |
| Book Value Per Share | 19.13 |
| Working Capital | -2.54B |
Cashflow
| Measure | Value |
|---|
| Operating Cash Flow | 45.99M |
| Capital Expenditures | -1.22M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -60.19M |
| Free Cash Flow | 44.77M |
| FCF Per Share | $2.49 |
Margins
| Measure | Value |
|---|
| Gross Margin | n/a |
| Operating Margin | 35.38% |
| Pretax Margin | 30.54% |
| Profit Margin | 24.60% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 35.18% |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | $1.20 |
| Dividend Yield | 4.28% |
| Dividend Growth (YoY) | 1.79% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 61.02% |
| FCF Payout Ratio | 48.12% |
| Buyback Yield | -15.60% |
| Shareholder Yield | -11.32% |
| Earnings Yield | 7.02% |
| FCF Yield | 8.90% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | Dec 28, 2007 |
| Split Type | Forward |
| Split Ratio | 1.01:1 |
Scores
| Measure | Value |
|---|
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |