
Citizens & Northern Corporation
CZNCNASDAQFinancial ServicesBanks - Regional
Latest quote
$25.83
+$0.10 · +0.39%
CZNC company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
56
Fair Value
Momentum
48
Neutral
Sentiment
58
Mixed
Risk resilience
76
Moderate Risk
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Company profile
Company websiteCitizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- J. Bradley Scovill
- Listed since
- Apr 5, 1994
- Employees
- 460
Market position
- Volume
- 70.44K
- 1.19× average
- Average volume
- 59.4K
- Average daily volume
- Market cap
- 462.25M USD
- Beta
- 0.39
- Market reference 1
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 468.7M USD
- P/E (TTM)
- 17.49×
- P/B (TTM)
- 1.32×
- P/S (TTM)
- 2.81×
- EV / EBITDA
- 15.12×
- Earnings yield
- 7.28%
- Free cash flow yield
- 9.36%
- Dividend yield
- 4.34%
Profitability & efficiency
- Gross margin
- 51.76%
- Operating margin
- 8.16%
- Net margin
- 15.42%
- Return on equity
- 6.86%
- Return on assets
- 0.75%
- Return on invested capital
- 0.75%
Financial health
- Debt / equity
- 0.49×
- Current ratio
- 1.11×
- Altman Z-score
- 0.46
- Piotroski F-score
- 6 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 154.19M USD | 155.47M USD | 136.24M USD | 115.48M USD | 108.95M USD |
| Cost of goods sold | 53.44M USD | 51.16M USD | 33.29M USD | 16.77M USD | 10.22M USD |
| Gross profit | 100.75M USD | 104.31M USD | 102.95M USD | 98.7M USD | 98.73M USD |
| Selling, general, and administrative | 53.25M USD | 44.93M USD | 44.2M USD | 41.83M USD | 37.6M USD |
| Operating expenses | 72.11M USD | 72.44M USD | 72.47M USD | 66.35M USD | 61.04M USD |
| Interest income | 139.22M USD | 128.08M USD | 113.5M USD | 92.65M USD | 84.5M USD |
| Interest expense | 47.36M USD | 48.96M USD | 33.1M USD | 9.52M USD | 6.56M USD |
| Depreciation and amortization | 2.36M USD | 2.18M USD | 2.15M USD | 2.39M USD | 2.13M USD |
| Operating income | 28.64M USD | 31.87M USD | 30.48M USD | 32.35M USD | 37.69M USD |
| Net income | 23.43M USD | 25.96M USD | 24.15M USD | 26.62M USD | 30.55M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 27%
- 3 beats, 7 misses, 1 met estimate
- Average EPS surprise
- -10.76%
- 11 comparable reports
- Latest EPS result
- 0.79
- Estimate 0.63 · Beat by 25.40%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$23.50
8.91% downsidePrice history unavailable
High $23.50Average $23.50Low $23.50Recent analyst actions
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Apr 22, 2003 | 3:2 | — | — |
Stock split | Oct 17, 1994 | 2:1 | — | — |
Effective Apr 22, 2003
3:2
Effective Oct 17, 1994
2:1
CZNC peers
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