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CITIZENS & NORTHERN CORP

Datakwaliteit: 83%
CZNC
Nasdaq Financial Services Depository Institutions
€ 23,74
▼ € 0,17 (-0,71%)
Marktkapitalisatie: 426,98 M
Prijs
€ 23,84
Marktkapitalisatie
426,98 M
Dagbereik
—
52-Weeksbereik
—
Volume
—
Openen —
50D / 200D Gem.
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50D / 200D Gem.
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Quick Summary

Belangrijkste Punten

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

Groei

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-9,75%
FCF Growth (3Y)-1,91%

Kwaliteit

Return on Equity
8,07%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Veiligheid

Debt / Equity
0,01
Onder sectorgemiddelde (0,49)
Current RatioN/A
Interest CoverageN/A

Waardering

PE (TTM|2027)
18,23 | 8,83
Boven sectorgemiddelde (11,14)
P/B Ratio1,45
EV/EBITDAN/A
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2607 peers)
Metriek Aandeel Sector Mediaan
P/E 18,2 11,1
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

Koersdoel Analisten

1 analist
Hold
Huidig
€ 23,74
+5.3%
Koersdoel
€ 25,00
€ 25,00
€ 25,00
€ 25,00
Vooruitzicht
Forward K/W 8,79
Forward WPA € 2,70
WPA Groei (sch.) +8,0%
Omzet Sch. 0,0

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2027 € 2,70
€ 2,70 – € 2,70
 0,0 1
FY2026 € 2,50
€ 2,50 – € 2,50
 0,0 1

Winstverassingen

Laatste 4 kwartalen
Kwartaal Geschat WPA Werkelijk WPA Verrassing
Q42025 € 0,59 € 0,57 -1,8%
Q32025 € 0,53 € 0,47 -10,7%
Q22025 € 0,47 € 0,40 -14,1%
Q12025 € 0,44 € 0,41 -6,8%

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0,16% weight
WEMMX WEMMX
0,13% weight
WMMCX WMMCX
0,13% weight
WEIMX WEIMX
0,13% weight
WMMAX WMMAX
0,13% weight
FLQS FLQS
0,05% weight
BOSVX BOSVX
0,03% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0,03% weight
AVSCX AVSCX
0,03% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
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 — — — — —