Citizens & Northern Corporation (CZNC)
NASDAQ: CZNC · Real-Time Price · USD
19.47
+0.23 (1.20%)
At close: Oct 24, 2025, 4:00 PM EDT
19.52
+0.05 (0.25%)
After-hours: Oct 24, 2025, 5:53 PM EDT

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 Cap302.08M
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
Financial Ratio History

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 Count386
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.

Revenue109.63M
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
Full Income Statement

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
Full Balance Sheet

Cash Flow

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

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
Dividend Details

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
Stock Forecasts

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