Citizens & Northern Corporation logo

Citizens & Northern Corporation

CZNC

NASDAQFinancial ServicesBanks - Regional

Latest quote

$25.83

+$0.10 · +0.39%

Aug 21, 3:55 PM ET

CZNC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Citizens & 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%68%38%8%Gross margin, FY2021: 90.62%Gross margin, FY2022: 85.47%Gross margin, FY2023: 75.56%Gross margin, FY2024: 67.09%Gross margin, FY2025: 65.34%Operating margin, FY2021: 34.59%Operating margin, FY2022: 28.01%Operating margin, FY2023: 22.37%Operating margin, FY2024: 20.50%Operating margin, FY2025: 18.58%Net margin, FY2021: 28.04%Net margin, FY2022: 23.05%Net margin, FY2023: 17.72%Net margin, FY2024: 16.70%Net margin, FY2025: 15.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.62%. Gross margin FY2022 85.47%. Gross margin FY2023 75.56%. Gross margin FY2024 67.09%. Gross margin FY2025 65.34%. Operating margin FY2021 34.59%. Operating margin FY2022 28.01%. Operating margin FY2023 22.37%. Operating margin FY2024 20.50%. Operating margin FY2025 18.58%. Net margin FY2021 28.04%. Net margin FY2022 23.05%. Net margin FY2023 17.72%. Net margin FY2024 16.70%. Net margin FY2025 15.19%.

Income trends

Revenue

154.19M USD-0.82%

Operating income

28.64M USD-10.13%

Net income

23.43M USD-9.75%
Income trends across reported periods168.67M USD115.86M USD63.04M USD10.22M USDRevenue, FY2021: 108.95M USDRevenue, FY2022: 115.48M USDRevenue, FY2023: 136.24M USDRevenue, FY2024: 155.47M USDRevenue, FY2025: 154.19M USDOperating income, FY2021: 37.69M USDOperating income, FY2022: 32.35M USDOperating income, FY2023: 30.48M USDOperating income, FY2024: 31.87M USDOperating income, FY2025: 28.64M USDNet income, FY2021: 30.55M USDNet income, FY2022: 26.62M USDNet income, FY2023: 24.15M USDNet income, FY2024: 25.96M USDNet income, FY2025: 23.43M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 108.95M USD. Revenue FY2022 115.48M USD. Revenue FY2023 136.24M USD. Revenue FY2024 155.47M USD. Revenue FY2025 154.19M USD. Operating income FY2021 37.69M USD. Operating income FY2022 32.35M USD. Operating income FY2023 30.48M USD. Operating income FY2024 31.87M USD. Operating income FY2025 28.64M USD. Net income FY2021 30.55M USD. Net income FY2022 26.62M USD. Net income FY2023 24.15M USD. Net income FY2024 25.96M USD. Net income FY2025 23.43M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue154.19M USD155.47M USD136.24M USD115.48M USD108.95M USD
Cost of goods sold53.44M USD51.16M USD33.29M USD16.77M USD10.22M USD
Gross profit100.75M USD104.31M USD102.95M USD98.7M USD98.73M USD
Selling, general, and administrative53.25M USD44.93M USD44.2M USD41.83M USD37.6M USD
Operating expenses72.11M USD72.44M USD72.47M USD66.35M USD61.04M USD
Interest income139.22M USD128.08M USD113.5M USD92.65M USD84.5M USD
Interest expense47.36M USD48.96M USD33.1M USD9.52M USD6.56M USD
Depreciation and amortization2.36M USD2.18M USD2.15M USD2.39M USD2.13M USD
Operating income28.64M USD31.87M USD30.48M USD32.35M USD37.69M USD
Net income23.43M USD25.96M USD24.15M USD26.62M USD30.55M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.850.570.30.02Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.53, estimate 0.45, surprise +17.78%, Beat. Q2 2025, reported Apr 23, 2025: actual 0.41, estimate 0.44, surprise -6.82%, Miss. Q3 2025, reported Aug 8, 2025: actual 0.4, estimate 0.47, surprise -14.89%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.47, estimate 0.53, surprise -11.32%, Miss. Q1 2026, reported Jan 28, 2026: actual 0.56, estimate 0.58, surprise -3.45%, Miss. Q2 2026, reported May 8, 2026: actual 0.02, estimate 0.58, surprise -96.55%, Miss. Q3 2026, reported Jul 23, 2026: actual 0.79, estimate 0.63, surprise +25.40%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.68, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates40.99M35.67M30.34M25.02MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 27.67M USD, estimate 26.9M USD, surprise +2.87%, Beat. Q2 2025, reported Apr 23, 2025: actual 26.6M USD, estimate 27.7M USD, surprise -3.99%, Miss. Q3 2025, reported Aug 8, 2025: actual 26.93M USD, estimate 27.7M USD, surprise -2.78%, Miss. Q4 2025, reported Oct 23, 2025: actual 29.04M USD, estimate 28.6M USD, surprise +1.53%, Beat. Q1 2026, reported Jan 28, 2026: actual 36.83M USD, estimate 35.4M USD, surprise +4.05%, Beat. Q2 2026, reported May 8, 2026: actual 36.62M USD, estimate 35.6M USD, surprise +2.87%, Beat. Q3 2026, reported Jul 23, 2026: actual 39.42M USD, estimate 36.5M USD, surprise +7.99%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 37.2M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$23.50

8.91% downside
Past 12 months12-month forecast

Price history unavailable

High $23.50Average $23.50Low $23.50

Recent analyst actions

1 institution

Corporate actions

Corporate action history

Stock split

Effective Apr 22, 2003

3:2

Stock split

Effective Oct 17, 1994

2:1

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