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CZNCCitizens & Northern Corporation

NAS · US · Financial Services · Banks - Regional · cnbankpa.com
25.80USD+0.86%Mkt Cap: 462.72M $P/E: 17.55

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products i…

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Banks - Regional
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Key Statistics

Company
Market Cap462.72M $
Enterprise Value548.43M $
Revenue (TTM)127.27M $
Gross Profit127.27M $
Net Income (TTM)23.43M $
Revenue/Share7.420 USD
Last Price25.80 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees460
CountryUS
SectorFinancial Services
IndustryBanks - Regional
ISIN—
Valuation
P/E (Trailing)17.55
P/E (Forward)9.35
PEG1.21
EV/EBITDA—
EV/Revenue4.31
P/S3.62
P/B1.33
EPS (TTM)1.48
EPS (Forward)2.75
52W Range
18.8794% of range26.26
52W High26.26 USD
52W Low18.87 USD
Profitability
Gross Margin0.00%
Oper. Margin42.23%
EBITDA Margin0.00%
Profit Margin19.39%
ROE6.86%
ROA0.75%
Growth
Revenue Growth53.20%
Earnings Growth100.20%
Cash Flow & Leverage
Operating CF32.00M $
CapEx (TTM)1.91M $
FCF Margin—
FCF Yield—
Net Debt87.50M $
Net Debt/EBITDA—
Balance Sheet
Debt/Equity0.55
Current Ratio—
Quick Ratio—
Book Value/Sh19.29 USD
Cash/Share4.661 USD
Dividends
Fwd Div Rate1.120 USD
Trail. Div Rate1.120 USD
Div. Yield4.38%
5Y Avg Yield5.17%
Payout Ratio76.19%
Ex-Div DateAug 3, 2026
Pay DateAug 14, 2026
Splits
Last Split101:100
Split DateDec 28, 2007
Analyst Consensus
Rating—
Target (Mean)27.00 USD
Upside (mean)+4.7%
Target Range27.00 USD – 27.00 USD
# Analysts1
Ownership
Shares Out.17.93M
Float17.03M
Insiders4.15%
Institutions34.26%
Short Interest
Short Ratio6.2d
Short % Float2.34%
Short % Out.2.23%
Shares Short400.04K
Short (prev mo.)379.71K
Technical
SMA 5023.84 (+8.2%)
SMA 20022.16 (+16.4%)
Beta0.39
S&P 52W Chg18.16%
Avg Vol (30d)66.84K
Avg Vol (10d)73.48K
Technical Indicators
RSI (14)66.9
MACD0.6348
MACD Signal0.6799
MACD Hist.-0.0451
BB Upper26.59 USD
BB Middle25.30 USD
BB Lower24.00 USD
BB Width10.23%
ATR (14)0.6041 USD
Vol Ratio (20d)1.03x