Citizens & Northern Corporation (CZNC)

Citizens & Northern Statistics

Total Valuation

CZNC has a market cap or net worth of $302.08 million. The enterprise value is $353.24 million.

Market Cap	302.08M
Enterprise Value	353.24M

Important Dates

The last earnings date was Thursday, October 23, 2025, after market close.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Aug 4, 2025

Share Statistics

CZNC has 15.51 million shares outstanding. The number of shares has increased by 0.77% in one year.

Current Share Class	15.51M
Shares Outstanding	15.51M
Shares Change (YoY)	+0.77%
Shares Change (QoQ)	+0.26%
Owned by Insiders (%)	5.41%
Owned by Institutions (%)	33.42%
Float	14.68M

Valuation Ratios

The trailing PE ratio is 11.13 and the forward PE ratio is 8.87.

PE Ratio	11.13
Forward PE	8.87
PS Ratio	2.73
Forward PS	2.55
PB Ratio	1.03
P/TBV Ratio	1.26
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.13
EV / Sales	3.22
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 9.50%.

Return on Equity (ROE)	9.50%
Return on Assets (ROA)	1.02%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$284,021
Profits Per Employee	$69,718
Employee Count	386
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CZNC has paid $6.24 million in taxes.

Income Tax	6.24M
Effective Tax Rate	18.69%

Stock Price Statistics

The stock price has increased by +0.88% in the last 52 weeks. The beta is 0.56, so CZNC's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	+0.88%
50-Day Moving Average	19.78
200-Day Moving Average	19.67
Relative Strength Index (RSI)	48.83
Average Volume (20 Days)	46,265

Short Selling Information

The latest short interest is 241,213, so 1.55% of the outstanding shares have been sold short.

Short Interest	241,213
Short Previous Month	216,475
Short % of Shares Out	1.55%
Short % of Float	1.64%
Short Ratio (days to cover)	7.12

Income Statement

In the last 12 months, CZNC had revenue of $109.63 million and earned $26.91 million in profits. Earnings per share was $1.75.

Revenue	109.63M
Gross Profit	109.63M
Operating Income	34.42M
Pretax Income	33.37M
Net Income	26.91M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.75

Balance Sheet

The company has $123.09 million in cash and $174.25 million in debt, giving a net cash position of -$51.16 million or -$3.30 per share.

Cash & Cash Equivalents	123.09M
Total Debt	174.25M
Net Cash	-51.16M
Net Cash Per Share	-$3.30
Equity (Book Value)	293.96M
Book Value Per Share	18.93
Working Capital	-2.04B

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	31.40%
Pretax Margin	30.44%
Profit Margin	24.75%
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 5.75%.

Dividend Per Share	$1.12
Dividend Yield	5.75%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	64.03%
Buyback Yield	-0.77%
Shareholder Yield	4.99%
Earnings Yield	8.91%
FCF Yield	n/a

Analyst Forecast

The average price target for CZNC is $22.00, which is 12.99% higher than the current price. The consensus rating is "Hold".

Price Target	$22.00
Price Target Difference	12.99%
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