Citizens & Northern Statistics
Total Valuation
CZNC has a market cap or net worth of $377.50 million. The enterprise value is $515.75 million.
Important Dates
The last earnings date was Friday, May 8, 2026.
| Earnings Date | May 8, 2026 |
| Ex-Dividend Date | May 4, 2026 |
Share Statistics
CZNC has 17.92 million shares outstanding. The number of shares has increased by 8.23% in one year.
| Current Share Class | 17.92M |
| Shares Outstanding | 17.92M |
| Shares Change (YoY) | +8.23% |
| Shares Change (QoQ) | +0.38% |
| Owned by Insiders (%) | 5.04% |
| Owned by Institutions (%) | 31.45% |
| Float | 17.01M |
Valuation Ratios
The trailing PE ratio is 20.18 and the forward PE ratio is 8.10.
| PE Ratio | 20.18 |
| Forward PE | 8.10 |
| PS Ratio | 3.34 |
| Forward PS | n/a |
| PB Ratio | 1.12 |
| P/TBV Ratio | 1.44 |
| P/FCF Ratio | 10.06 |
| P/OCF Ratio | 9.66 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 29.85 |
| EV / Sales | 4.57 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.75 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.64%.
| Return on Equity (ROE) | 5.64% |
| Return on Assets (ROA) | 0.60% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.39% |
| Revenue Per Employee | $245,504 |
| Profits Per Employee | $37,557 |
| Employee Count | 460 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CZNC has paid $3.87 million in taxes.
| Income Tax | 3.87M |
| Effective Tax Rate | 18.18% |
Stock Price Statistics
The stock price has increased by +12.43% in the last 52 weeks. The beta is 0.44, so CZNC's price volatility has been lower than the market average.
| Beta (5Y) | 0.44 |
| 52-Week Price Change | +12.43% |
| 50-Day Moving Average | 22.23 |
| 200-Day Moving Average | 21.05 |
| Relative Strength Index (RSI) | 41.85 |
| Average Volume (20 Days) | 41,761 |
Short Selling Information
The latest short interest is 284,788, so 1.59% of the outstanding shares have been sold short.
| Short Interest | 284,788 |
| Short Previous Month | 279,047 |
| Short % of Shares Out | 1.59% |
| Short % of Float | 1.67% |
| Short Ratio (days to cover) | 8.33 |
Income Statement
In the last 12 months, CZNC had revenue of $112.93 million and earned $17.28 million in profits. Earnings per share was $1.04.
| Revenue | 112.93M |
| Gross Profit | 112.93M |
| Operating Income | 29.21M |
| Pretax Income | 21.27M |
| Net Income | 17.28M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.04 |
Full Income StatementBalance Sheet
The company has $55.98 million in cash and $194.23 million in debt, with a net cash position of -$138.25 million or -$7.72 per share.
| Cash & Cash Equivalents | 55.98M |
| Total Debt | 194.23M |
| Net Cash | -138.25M |
| Net Cash Per Share | -$7.72 |
| Equity (Book Value) | 335.56M |
| Book Value Per Share | 18.74 |
| Working Capital | -2.60B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $39.07 million and capital expenditures -$1.55 million, giving a free cash flow of $37.52 million.
| Operating Cash Flow | 39.07M |
| Capital Expenditures | -1.55M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -47.72M |
| Free Cash Flow | 37.52M |
| FCF Per Share | $2.09 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 25.87% |
| Pretax Margin | 18.84% |
| Profit Margin | 15.41% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 33.23% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 5.32%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 5.32% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 107.28% |
| Buyback Yield | -8.23% |
| Shareholder Yield | -2.92% |
| Earnings Yield | 4.58% |
| FCF Yield | 9.94% |
Dividend DetailsAnalyst Forecast
The average price target for CZNC is $24.00, which is 13.91% higher than the current price. The consensus rating is "Hold".
| Price Target | $24.00 |
| Price Target Difference | 13.91% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on December 28, 2007. It was a forward split with a ratio of 1.01:1.
| Last Split Date | Dec 28, 2007 |
| Split Type | Forward |
| Split Ratio | 1.01:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
