Citizens & Northern Statistics
Total Valuation
CZNC has a market cap or net worth of $367.79 million. The enterprise value is $418.95 million.
Important Dates
The next estimated earnings date is Thursday, January 22, 2026, after market close.
| Earnings Date | Jan 22, 2026 |
| Ex-Dividend Date | Nov 3, 2025 |
Share Statistics
CZNC has 17.80 million shares outstanding. The number of shares has increased by 0.77% in one year.
| Current Share Class | 17.80M |
| Shares Outstanding | 17.80M |
| Shares Change (YoY) | +0.77% |
| Shares Change (QoQ) | +0.26% |
| Owned by Insiders (%) | 4.74% |
| Owned by Institutions (%) | 29.43% |
| Float | 16.96M |
Valuation Ratios
The trailing PE ratio is 11.78 and the forward PE ratio is 8.68.
| PE Ratio | 11.78 |
| Forward PE | 8.68 |
| PS Ratio | 2.89 |
| Forward PS | 3.10 |
| PB Ratio | 1.09 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 11.60 |
| P/OCF Ratio | 10.98 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 15.57 |
| EV / Sales | 3.82 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.22 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.55 |
| 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 +11.68% in the last 52 weeks. The beta is 0.57, so CZNC's price volatility has been lower than the market average.
| Beta (5Y) | 0.57 |
| 52-Week Price Change | +11.68% |
| 50-Day Moving Average | 19.99 |
| 200-Day Moving Average | 19.57 |
| Relative Strength Index (RSI) | 49.55 |
| Average Volume (20 Days) | 77,857 |
Short Selling Information
The latest short interest is 302,956, so 1.70% of the outstanding shares have been sold short.
| Short Interest | 302,956 |
| Short Previous Month | 251,875 |
| Short % of Shares Out | 1.70% |
| Short % of Float | 1.79% |
| Short Ratio (days to cover) | 6.73 |
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 |
Full Income StatementBalance Sheet
The company has $124.58 million in cash and $175.74 million in debt, giving a net cash position of -$51.17 million or -$2.87 per share.
| Cash & Cash Equivalents | 124.58M |
| Total Debt | 175.74M |
| Net Cash | -51.17M |
| Net Cash Per Share | -$2.87 |
| Equity (Book Value) | 293.96M |
| Book Value Per Share | 18.93 |
| Working Capital | -2.06B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $33.50 million and capital expenditures -$1.81 million, giving a free cash flow of $31.69 million.
| Operating Cash Flow | 33.50M |
| Capital Expenditures | -1.81M |
| Free Cash Flow | 31.69M |
| FCF Per Share | $1.78 |
Full Cash Flow StatementMargins
| 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 | 28.91% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 5.42%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 5.42% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 63.89% |
| Buyback Yield | -0.77% |
| Shareholder Yield | 4.66% |
| Earnings Yield | 7.32% |
| FCF Yield | 8.62% |
Dividend DetailsAnalyst Forecast
The average price target for CZNC is $22.00, which is 6.49% higher than the current price. The consensus rating is "Hold".
| Price Target | $22.00 |
| Price Target Difference | 6.49% |
| 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 |
