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CITIZENS & NORTHERN CORP

Data quality: 83%
CZNC
Nasdaq Financial Services Depository Institutions
$23.84
▲ $0.53 (2.27%)
Mkt Cap: 426.98 M
Price
$23.84
Mkt Cap
426.98 M
Day Range
$23.25 — $23.84
52-Week Range
$18.02 — $24.12
Volume
23,255
Open $23.25
50D / 200D Avg
$22.57
5.64% above
50D / 200D Avg
$20.53
16.10% above

Quick Summary

Key Takeaways

Debt/Equity of 0.01 — conservative balance sheet
Generating 30.10 M in free cash flow
Cash machine — converts 128.48% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-9.75%
FCF Growth (3Y)-1.91%

Quality

Return on Equity
8.07%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.01
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
18.23
Above sector avg (11.15)
P/B Ratio1.45
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2151 peers)
Metric Stock Sector Median
P/E 18.2 11.2
P/B 1.5 1.2
ROE % 8.1 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.0 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.16% weight
WEMMX WEMMX
0.13% weight
WEIMX WEIMX
0.13% weight
WMMCX WMMCX
0.13% weight
WMMAX WMMAX
0.13% weight
BOSVX BOSVX
0.03% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.03% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.02% weight
VVICX VVICX
0.02% weight
IRSSX IRSSX
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -9.75% Earnings Growth (3Y) -1.50%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -6.42%
Profitability
Revenue (TTM) N/A Net Income (TTM) 23.43 M
ROE 8.07% ROA 0.89%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 30.10 M
ROIC N/A FCF Growth (3Y) -1.91%
Safety
Debt / Equity 0.01 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 239.69 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 18.23 Forward P/E N/A
P/B Ratio 1.45 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 7.05%
Market Cap 426.98 M Enterprise Value 305.38 M
Per Share
EPS (Diluted TTM) N/A Revenue / Share N/A
FCF / Share 1.68 OCF / Share 1.79
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 128.48%
SBC-Adj. FCF N/A Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 23.43 M 25.96 M 24.15 M 26.62 M 30.55 M
EPS (Diluted) — 1.69 1.57 1.71 1.92
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 2.36 M 2.18 M 2.15 M 2.39 M 2.13 M
Interest Expense 91.85 M 79.12 M 33.10 M 9.52 M 6.56 M
Income Tax 5.22 M 5.91 M 6.34 M 5.73 M 7.13 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2021 FY2022
Total Assets 3.13 B 2.61 B 2.52 B 2.33 B 2.45 B
Total Liabilities 2.79 B 2.34 B 2.25 B 2.03 B 2.20 B
Shareholders' Equity 341.71 M 275.28 M 262.38 M 301.41 M 249.33 M
Total Debt 28.62 M 2.49 M 33.87 M 1.80 M 80.06 M
Cash & Equivalents 46.06 M 126.17 M 56.88 M 104.95 M 55.05 M
Current Assets — — — — —
Current Liabilities — — — — —