Citizens & Northern Statistics
Total Valuation
CZNC has a market cap or net worth of $504.77 million. The enterprise value is $568.24 million.
| Market Cap | 504.77M |
| Enterprise Value | 568.24M |
Important Dates
The next estimated earnings date is Friday, November 27, 2026, after market close.
| Earnings Date | Nov 27, 2026 |
| Ex-Dividend Date | Nov 2, 2026 |
Share Statistics
CZNC has 17.95 million shares outstanding. The number of shares has increased by 15.60% in one year.
| Current Share Class | 17.95M |
| Shares Outstanding | 17.95M |
| Shares Change (YoY) | +15.60% |
| Shares Change (QoQ) | +0.12% |
| Owned by Insiders (%) | 5.08% |
| Owned by Institutions (%) | 34.93% |
| Float | 17.04M |
Valuation Ratios
The trailing PE ratio is 14.24 and the forward PE ratio is 10.19.
| PE Ratio | 14.24 |
| Forward PE | 10.19 |
| PS Ratio | 3.54 |
| Forward PS | 3.31 |
| PB Ratio | 1.47 |
| P/TBV Ratio | 1.86 |
| P/FCF Ratio | 9.73 |
| P/OCF Ratio | 9.39 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 16.21 |
| EV / Sales | 3.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.95 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.48 |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.01%.
| Return on Equity (ROE) | 11.01% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.79% |
| Revenue Per Employee | $309,978 |
| Profits Per Employee | $76,200 |
| Employee Count | 460 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CZNC has paid $8.47 million in taxes.
| Income Tax | 8.47M |
| Effective Tax Rate | 19.45% |
Stock Price Statistics
The stock price has increased by +44.87% in the last 52 weeks. The beta is 0.38, so CZNC's price volatility has been lower than the market average.
| Beta (5Y) | 0.38 |
| 52-Week Price Change | +44.87% |
| 50-Day Moving Average | 26.39 |
| 200-Day Moving Average | 23.89 |
| Relative Strength Index (RSI) | 60.11 |
| Average Volume (20 Days) | 72,441 |
Short Selling Information
The latest short interest is 276,926, so 1.54% of the outstanding shares have been sold short.
| Short Interest | 276,926 |
| Short Previous Month | 327,514 |
| Short % of Shares Out | 1.54% |
| Short % of Float | 1.63% |
| Short Ratio (days to cover) | 4.34 |
Income Statement
In the last 12 months, CZNC had revenue of $142.59 million and earned $35.05 million in profits. Earnings per share was $1.98.
| Revenue | 142.59M |
| Gross Profit | 142.59M |
| Operating Income | 50.45M |
| Pretax Income | 43.55M |
| Net Income | 35.05M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.98 |
Balance Sheet
The company has $101.40 million in cash and $164.86 million in debt, with a net cash position of -$63.47 million or -$3.54 per share.
| Cash & Cash Equivalents | 101.40M |
| Total Debt | 164.86M |
| Net Cash | -63.47M |
| Net Cash Per Share | -$3.54 |
| Equity (Book Value) | 343.32M |
| Book Value Per Share | 19.13 |
| Working Capital | -2.55B |
Cash Flow
In the last 12 months, operating cash flow was $53.78 million and capital expenditures -$1.89 million, giving a free cash flow of $51.89 million.
| Operating Cash Flow | 53.78M |
| Capital Expenditures | -1.89M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -56.73M |
| Free Cash Flow | 51.89M |
| FCF Per Share | $2.89 |
Margins
| Gross Margin | n/a |
| Operating Margin | 35.38% |
| Pretax Margin | 30.54% |
| Profit Margin | 24.60% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 36.39% |
Dividends & Yields
This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 4.27%.
| Dividend Per Share | $1.20 |
| Dividend Yield | 4.27% |
| Dividend Growth (YoY) | 1.79% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 60.75% |
| FCF Payout Ratio | 41.51% |
| Buyback Yield | -15.60% |
| Shareholder Yield | -11.33% |
| Earnings Yield | 7.02% |
| FCF Yield | 10.28% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | |
| Graham Formula Value | |
| Graham Formula 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 |