Citizens & Northern Statistics
Total Valuation
CZNC has a market cap or net worth of $302.08 million. The enterprise value is $353.24 million.
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 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 |
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 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 |