Citizens & Northern Corporation (CZNC)

Citizens & Northern Statistics

Total Valuation

CZNC has a market cap or net worth of $405.84 million. The enterprise value is $549.26 million.

Market Cap	405.84M
Enterprise Value	549.26M

Important Dates

The next estimated earnings date is Wednesday, April 22, 2026, after market close.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	Feb 2, 2026

Share Statistics

CZNC has 17.82 million shares outstanding. The number of shares has increased by 4.50% in one year.

Current Share Class	17.82M
Shares Outstanding	17.82M
Shares Change (YoY)	+4.50%
Shares Change (QoQ)	+14.72%
Owned by Insiders (%)	4.98%
Owned by Institutions (%)	30.88%
Float	16.94M

Valuation Ratios

The trailing PE ratio is 15.62 and the forward PE ratio is 9.04.

PE Ratio	15.62
Forward PE	9.04
PS Ratio	3.48
Forward PS	3.37
PB Ratio	1.20
P/TBV Ratio	1.52
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.63
EV / Sales	4.71
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.59%.

Return on Equity (ROE)	7.59%
Return on Assets (ROA)	0.82%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.90%
Revenue Per Employee	$302,155
Profits Per Employee	$60,220
Employee Count	386
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CZNC has paid $5.22 million in taxes.

Income Tax	5.22M
Effective Tax Rate	18.21%

Stock Price Statistics

The stock price has increased by +5.71% in the last 52 weeks. The beta is 0.53, so CZNC's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+5.71%
50-Day Moving Average	21.97
200-Day Moving Average	20.15
Relative Strength Index (RSI)	47.58
Average Volume (20 Days)	53,299

Short Selling Information

The latest short interest is 299,310, so 1.68% of the outstanding shares have been sold short.

Short Interest	299,310
Short Previous Month	322,958
Short % of Shares Out	1.68%
Short % of Float	1.77%
Short Ratio (days to cover)	5.41

Income Statement

In the last 12 months, CZNC had revenue of $116.63 million and earned $23.25 million in profits. Earnings per share was $1.46.

Revenue	116.63M
Gross Profit	116.63M
Operating Income	36.58M
Pretax Income	28.64M
Net Income	23.25M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.46

Balance Sheet

The company has $46.06 million in cash and $189.47 million in debt, with a net cash position of -$143.42 million or -$8.05 per share.

Cash & Cash Equivalents	46.06M
Total Debt	189.47M
Net Cash	-143.42M
Net Cash Per Share	-$8.05
Equity (Book Value)	341.71M
Book Value Per Share	19.17
Working Capital	-2.52B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	31.37%
Pretax Margin	24.56%
Profit Margin	20.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 4.92%.

Dividend Per Share	$1.12
Dividend Yield	4.92%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	76.85%
Buyback Yield	-4.50%
Shareholder Yield	0.44%
Earnings Yield	5.73%
FCF Yield	n/a

Analyst Forecast

The average price target for CZNC is $23.50, which is 3.21% higher than the current price. The consensus rating is "Hold".

Price Target	$23.50
Price Target Difference	3.21%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2