Citizens & Northern Statistics
Total Valuation
CZNC has a market cap or net worth of $412.87 million. The enterprise value is $561.26 million.
Important Dates
The next estimated earnings date is Friday, May 8, 2026, after market close.
| Earnings Date | May 8, 2026 |
| Ex-Dividend Date | May 4, 2026 |
Share Statistics
CZNC has 17.91 million shares outstanding. The number of shares has increased by 4.50% in one year.
| Current Share Class | 17.91M |
| Shares Outstanding | 17.91M |
| Shares Change (YoY) | +4.50% |
| Shares Change (QoQ) | +14.72% |
| Owned by Insiders (%) | 5.00% |
| Owned by Institutions (%) | 30.68% |
| Float | 17.02M |
Valuation Ratios
The trailing PE ratio is 15.87 and the forward PE ratio is 9.25.
| PE Ratio | 15.87 |
| Forward PE | 9.25 |
| PS Ratio | 3.55 |
| Forward PS | n/a |
| PB Ratio | 1.21 |
| P/TBV Ratio | 1.55 |
| P/FCF Ratio | 13.76 |
| P/OCF Ratio | 12.94 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 24.15 |
| EV / Sales | 4.81 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 18.65 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.46 |
| 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) | 4.72% |
| Revenue Per Employee | $253,548 |
| Profits Per Employee | $50,533 |
| Employee Count | 460 |
| 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 +18.98% in the last 52 weeks. The beta is 0.49, so CZNC's price volatility has been lower than the market average.
| Beta (5Y) | 0.49 |
| 52-Week Price Change | +18.98% |
| 50-Day Moving Average | 22.77 |
| 200-Day Moving Average | 20.82 |
| Relative Strength Index (RSI) | 52.76 |
| Average Volume (20 Days) | 35,236 |
Short Selling Information
The latest short interest is 279,047, so 1.56% of the outstanding shares have been sold short.
| Short Interest | 279,047 |
| Short Previous Month | 299,031 |
| Short % of Shares Out | 1.56% |
| Short % of Float | 1.64% |
| Short Ratio (days to cover) | 6.96 |
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 |
Full Income StatementBalance Sheet
The company has $47.38 million in cash and $194.37 million in debt, with a net cash position of -$147.00 million or -$8.21 per share.
| Cash & Cash Equivalents | 47.38M |
| Total Debt | 194.37M |
| Net Cash | -147.00M |
| Net Cash Per Share | -$8.21 |
| Equity (Book Value) | 341.71M |
| Book Value Per Share | 19.17 |
| Working Capital | -2.60B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $32.00 million and capital expenditures -$1.91 million, giving a free cash flow of $30.10 million.
| Operating Cash Flow | 32.00M |
| Capital Expenditures | -1.91M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -64.19M |
| Free Cash Flow | 30.10M |
| FCF Per Share | $1.68 |
Full Cash Flow StatementMargins
| 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 | 25.81% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 4.84%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 4.84% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 76.85% |
| Buyback Yield | -4.50% |
| Shareholder Yield | 0.34% |
| Earnings Yield | 5.61% |
| FCF Yield | 7.27% |
Dividend DetailsAnalyst Forecast
The average price target for CZNC is $23.50, which is 1.94% higher than the current price. The consensus rating is "Hold".
| Price Target | $23.50 |
| Price Target Difference | 1.94% |
| 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 |
