Citizens & Northern Corp CZNC
- Market cap
- $457.0M
- P/E
- 17.4×
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Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 19.26 | 22.00 | 22.00 | 22.52 | 14.92 | 18.98 | 22.67 | 16.71 | 16.50 | 17.85 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
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| 26.57 | 26.75 | 28.99 | 29.25 | 29.06 | 27.99 | 27.50 | 23.90 | 22.93 | 22.68 |
High Price
|
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| 287 | 287 | 299 | 336 | — | — | 415 | 404 | 386 | 460 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 61 | 62 | 71 | 84 | 102 | 110 | 117 | 138 | 157 | 170 |
Revenue
|
|||
| 93.92% | 93.71% | 93.48% | 87.77% | 90.56% | 94.06% | 91.87% | 76.00% | 68.87% | 72.15% |
Gross Margin
|
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| 21 | 21 | 26 | 23 | 23 | 38 | 32 | 30 | 32 | 29 |
EBT
|
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| 34.74% | 33.06% | 37.01% | 27.84% | 22.83% | 34.14% | 27.63% | 22.10% | 20.26% | 16.84% |
EBT Margin
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| 16 | 13 | 22 | 20 | 19 | 31 | 27 | 24 | 26 | 23 |
Net Income
|
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| 3 | 3 | 3 | 3 | 1 | 2 | 4 | 4 | 4 | 4 |
Depreciation
|
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| 5.05 | 5.14 | 5.81 | 6.32 | 6.90 | 7.00 | 7.58 | 9.05 | 10.31 | 10.66 |
Revenue/Sh
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| 1.30 | 1.10 | 1.79 | 1.46 | 1.30 | 1.92 | 1.71 | 1.57 | 1.69 | 1.46 |
Earnings/Sh
|
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| 1.54 | 1.60 | 2.12 | 1.69 | 1.68 | 2.21 | 2.24 | 2.20 | 2.16 | 2.01 |
Cash Flow/Sh
|
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| (0.13) | (0.14) | (0.10) | (0.22) | (0.21) | (0.08) | (0.21) | (0.15) | (0.12) | (0.12) |
Capex/Sh
|
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| 1.41 | 1.46 | 2.02 | 1.47 | 1.47 | 2.13 | 2.03 | 2.05 | 2.04 | 1.89 |
Free CF/Sh
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| 15.46 | 15.55 | 16.15 | 18.38 | 20.33 | 19.12 | 16.13 | 17.21 | 18.04 | 21.42 |
Book Value/Sh
|
|||
| 12 | 12 | 12 | 13 | 15 | 16 | 15 | 15 | 15 | 16 |
Shares
|
|||
| 20.07 | 21.87 | 14.77 | 19.22 | 15.26 | 13.60 | 13.36 | 14.51 | 11.01 | 13.63 |
PE Ratio
|
|||
| 5.17 | 4.68 | 4.55 | 4.47 | 2.88 | 3.73 | 3.02 | 2.52 | 1.80 | 1.89 |
PS Ratio
|
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| 1.69 | 1.55 | 1.64 | 1.54 | 0.98 | 1.37 | 1.42 | 1.32 | 1.03 | 0.94 |
PB Ratio
|
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| 5.27 | 4.17 | 4.52 | 4.74 | 2.58 | 3.47 | 3.41 | 3.39 | 2.31 | 2.57 |
EV/Sales
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| 18.92 | 14.68 | 12.96 | 20.32 | 12.09 | 11.38 | 12.76 | 14.97 | 11.66 | 14.50 |
EV/FCF
|
|||
| 19 | 19 | 26 | 22 | 25 | 35 | 35 | 34 | 33 | 32 |
Op' Cash Flow
|
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| (2) | (2) | (1) | (3) | (3) | (1) | (3) | (2) | (2) | (2) |
Capex
|
|||
| 17 | 18 | 25 | 20 | 22 | 34 | 31 | 31 | 31 | 30 |
FCF
|
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| (238) | (226) | (197) | (137) | (125) | (287) | (316) | (180) | (119) | (249) |
Working Cap'
|
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| 38 | 9 | 36 | 59 | 71 | 76 | 102 | 178 | 205 | 161 |
Total Debt
|
|||
| 6 | (32) | (3) | 22 | (31) | (29) | 47 | 121 | 79 | 115 |
Net Debt
|
|||
| 186 | 188 | 197 | 244 | 300 | 301 | 249 | 262 | 275 | 342 |
Sh' Equity
|
|||
| 1.28% | 1.07% | 1.71% | 1.32% | 0.98% | 1.33% | 1.10% | 0.96% | 1.00% | 0.81% |
ROA
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| 6.86% | 8.23% | 8.42% | 5.48% | 5.39% | 8.65% | 6.83% | 4.97% | 5.62% | 3.92% |
ROIC
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| 8.44% | 7.18% | 11.35% | 8.78% | 7.02% | 10.08% | 9.58% | 9.37% | 9.58% | 7.53% |
ROE
|
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Citizens & Northern Corp peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| BMRC Bank of Marin Bancorp | $449.9M | 0.0× | Compare |
| RBB RBB Bancorp | $447.4M | 10.8× | Compare |
| CBAN Colony Bankcorp, Inc. | $440.1M | 12.5× | Compare |
| CBK Commercial Bancgroup, Inc. | $435.8M | 10.9× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FRBA First Bank | $435.4M | 10.3× | Compare |
| AVBC Avidia Bancorp, Inc. | $433.2M | 22.8× | Compare |
| FMAO Farmers & Merchants Bancorp Inc. | $482.5M | 12.0× | Compare |
| PBFS Pioneer Bancorp, Inc. | $431.5M | 25.6× | Compare |
Citizens & Northern Corp (CZNC) key facts
- Citizens & Northern Corp (CZNC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Citizens & Northern Corp’s revenue for fiscal 2025 (year ended December 2025) was $170.1 million, up 8.13% from fiscal 2024.
- Net income was $23.4 million, or $1.46 per share (basic), a net margin of 13.7%.
- As of September 25, 2026, CZNC traded at $25.70, a market capitalization of $457.0 million.
- At that price the stock trades at 17.4× trailing-twelve-month earnings and 2.4× sales.
- Citizens & Northern Corp pays an annual dividend of $1.12 per share, a yield of 6.04%, with a payout ratio of 52.8%.
- Return on equity was 7.53% and debt-to-equity 0.45.
Citizens & Northern Corp (CZNC) Latest News
6 Feb
Citizens & Northern Corp (CZNC) is highlighted as one of the best income stocks to buy for February 6th, indicating strong potential for dividend income and stability in the current market environment. Investors are encouraged to consider CZNC for its attractive yield and solid financial performance, which positions it favorably among income-focused stocks. CZNC's recognition as a top income stock suggests a moderately noticeable influence on its market performance and investor sentiment.
29 Jan
Citizens & Northern Corp (CZNC) is highlighted among three reliable dividend stocks, offering yields up to 7.7%. The article emphasizes the company's strong dividend history and financial stability, making it an attractive option for income-focused investors. CZNC's commitment to returning value to shareholders through consistent dividends is noted as a key factor in its appeal. The focus on dividend yield indicates a moderately noticeable influence on investor sentiment and financial performance.
Citizens & Northern Corp (CZNC) is highlighted as one of three top dividend stocks for investors seeking reliable income. The article emphasizes CZNC's strong dividend yield and consistent payout history, making it an attractive option for dividend-focused portfolios. Alongside other companies, CZNC is positioned as a solid choice for those looking to enhance their investment strategies with stable dividend returns. CZNC's strong dividend yield and consistent payout history may positively influence investor sentiment and financial performance.
28 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock for January 2026, showcasing its strong financial performance and commitment to returning value to shareholders through consistent dividend payments. The article emphasizes the company's stability and growth potential, making it an attractive option for income-focused investors in the current market environment. CZNC's strong dividend performance and financial stability indicate a significant impact on its future market positioning and investor sentiment.
Citizens & Northern Corp (CZNC) is highlighted as a notable dividend stock for January 2026, appealing to investors seeking income-generating investments. The article emphasizes the company's strong financial performance and consistent dividend payments, positioning it as a reliable choice in the current market environment. Investors are encouraged to consider CZNC for its potential to provide steady returns amidst economic fluctuations. CZNC's consistent dividend payments and strong financial performance may moderately influence investor sentiment and financial stability.
27 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock to consider in January 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZNC's solid fundamentals and growth potential position it well in the current market environment. CZNC's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock to consider in January 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZNC's solid fundamentals and growth potential position it well in the current market environment. CZNC's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.
26 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock to watch in January 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZNC's stable earnings and growth potential position it well in the current market landscape, especially as interest rates fluctuate and investors seek reliable dividend stocks. CZNC's consistent dividend increases and strong financial performance indicate significant potential for future market impact.
Citizens & Northern Corp (CZNC) is highlighted as one of the top three dividend stocks to consider for investment. The article emphasizes the company's strong financial performance and consistent dividend payments, making it an attractive option for income-focused investors. CZNC's commitment to shareholder returns and its stable business model are noted as key factors contributing to its appeal in the current market environment. CZNC's strong dividend performance may positively influence investor sentiment and financial stability, but broader market factors will also play a significant role.
20 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock for January 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZNC's solid fundamentals and growth prospects position it well in the current market environment, further enhancing its appeal as a reliable dividend stock. CZNC's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.
Citizens & Northern Corp (CZNC) is highlighted among top dividend stocks, offering attractive yields up to 3.8%. The article emphasizes the importance of dividend-paying stocks in providing income and stability, particularly in uncertain market conditions. Investors are encouraged to consider CZNC for its reliable dividend performance, which may appeal to those seeking consistent returns. CZNC's dividend yield may influence investor sentiment and financial performance, but the overall effect is expected to be somewhat limited.
16 Jan
Citizens & Northern Corp (CZNC) is highlighted as a promising small-cap investment in a recent analysis of the US market's undiscovered gems. The article emphasizes CZNC's strong financial performance, strategic growth initiatives, and potential for future expansion, positioning it as an attractive option for investors seeking undervalued stocks. The focus on small-cap companies suggests a broader trend of identifying hidden opportunities within the market, with CZNC standing out due to its solid fundamentals and growth prospects. CZNC's strong financial performance and growth initiatives indicate a significant potential impact on its future market trajectory.
Citizens & Northern Corp (CZNC) is highlighted as a potential dividend stock for January 2026, emphasizing its strong financial performance and consistent dividend payments. The article suggests that CZNC's stability and growth prospects make it an attractive option for income-focused investors. Analysts note the company's solid fundamentals and commitment to returning value to shareholders through dividends, positioning it favorably in the current market environment. CZNC's consistent dividend payments and strong financial performance may moderately influence investor sentiment and financial stability.
15 Jan
Citizens & Northern Corp (CZNC) is anticipated to report earnings growth in its upcoming Q4 release. Analysts are optimistic about the company's performance, driven by strong fundamentals and market conditions. Investors are advised to monitor key financial metrics and guidance provided during the earnings announcement, which could influence market sentiment and stock performance. Earnings growth expectations may moderately influence investor sentiment and financial performance.
14 Jan
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks with attractive yields, reaching up to 9.3%. The article emphasizes the importance of dividend stocks in providing income, especially in uncertain market conditions. Investors are encouraged to consider these stocks for their potential returns and stability. The focus on dividend yields may moderately influence investor sentiment and financial performance.
13 Jan
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks offering yields up to 4%, making it an attractive option for income-focused investors. The article emphasizes the importance of dividend stocks in a diversified portfolio, particularly in the current economic climate where stable income is sought after. CZNC's financial stability and consistent dividend payments are noted as key factors for potential investors looking for reliable returns. CZNC's inclusion in a list of dividend stocks suggests a moderately noticeable influence on its market performance and investor interest.
12 Jan
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks yielding between 3% and 5.1%, making it an attractive option for income-focused investors. The article emphasizes the importance of dividend yields in generating income and suggests that CZNC, along with other selected stocks, could enhance an income portfolio. Investors are encouraged to consider these stocks for their potential returns. The focus on dividend yields indicates a moderately noticeable influence on investor sentiment and financial performance.
9 Jan
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks offering yields up to 12.8%. The article emphasizes the attractiveness of these dividend-paying stocks in the current market environment, suggesting they may provide stable income for investors. CZNC's performance and dividend yield are positioned as appealing options for those seeking reliable returns amidst economic fluctuations. CZNC's dividend yield may influence investor sentiment and financial performance, but the overall effect is expected to be limited.
8 Jan
Citizens & Northern Corp (CZNC) is highlighted as a notable dividend stock for January 2026, appealing to investors seeking reliable income sources. The company has demonstrated consistent dividend payments, making it an attractive option in the current market environment. Analysts suggest that CZNC's financial stability and growth potential position it well for continued dividend reliability, which could enhance its appeal among income-focused investors. CZNC's consistent dividend payments indicate moderate influence on its financial performance and investor sentiment.
5 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock to consider in January 2026, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CZNC's stable earnings and solid balance sheet position it well for continued growth in the competitive banking sector. CZNC's consistent dividend increases and strong financial performance indicate significant potential for future growth and investor interest.
Citizens & Northern Corp (CZNC) is highlighted as one of the top dividend stocks to consider, showcasing its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts emphasize CZNC's solid fundamentals and growth potential, positioning it favorably in the current market landscape. CZNC's strong dividend performance and growth potential are likely to significantly influence investor sentiment and market positioning.
1 Jan
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock for investors seeking reliable income. The company has demonstrated consistent dividend payments, making it an attractive option for those focused on yield. Analysts emphasize the importance of dividend stability and growth potential in the current market environment, positioning CZNC favorably among its peers. Investors are encouraged to consider CZNC as part of a diversified portfolio aimed at generating passive income. CZNC's consistent dividend payments may positively influence investor sentiment and financial performance.
31 Dec
Citizens & Northern Corp (CZNC) is highlighted as one of three top dividend stocks to consider, alongside Buckle and another company. The article emphasizes the importance of dividend stocks in providing steady income and suggests that CZNC's performance and dividend yield make it an attractive option for investors seeking reliable returns. CZNC's inclusion as a top dividend stock indicates a moderately noticeable influence on its market performance and investor sentiment.
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks offering attractive yields, with CZNC providing a yield of up to 7.1%. This positions the company as a potentially lucrative option for income-focused investors seeking reliable dividend returns in the current market environment. The mention of a high dividend yield indicates a moderately noticeable influence on investor sentiment and financial performance.
30 Dec
Citizens & Northern Corp (CZNC) is highlighted as a strong dividend stock for December 2025, showcasing its commitment to returning value to shareholders through consistent dividend payments. The article emphasizes the company's financial stability and growth potential, making it an attractive option for income-focused investors. Analysts predict continued performance in the dividend space, reinforcing CZNC's position in the market. CZNC's consistent dividend payments indicate moderate influence on its financial performance and market sentiment.
Citizens & Northern Corp (CZNC) is highlighted in a report focusing on insider actions within undervalued small-cap companies for December 2025. The article emphasizes the potential for growth in these companies, suggesting that insider buying may indicate confidence in their future performance. Investors are encouraged to consider these insights when evaluating investment opportunities in the small-cap sector. Insider actions may influence market sentiment and investor confidence in CZNC, but the overall impact is expected to be limited.
Citizens & Northern Corp (CZNC) is highlighted among three dividend stocks offering attractive yields, with some reaching up to 7.8%. The article emphasizes the importance of dividend stocks for income-focused investors, particularly in a fluctuating market. CZNC's dividend yield positions it as a compelling option for those seeking reliable income streams. The focus on dividend yields suggests a moderate influence on investor sentiment and potential financial performance.
29 Dec
Citizens & Northern Corp (CZNC) is highlighted as a compelling dividend stock due to its strong financial performance, consistent dividend payments, and growth potential. The company has demonstrated resilience in its operations and maintains a solid balance sheet, making it an attractive option for income-focused investors. Analysts suggest that CZNC's commitment to returning value to shareholders through dividends positions it well in the current market environment. Strong financial performance and consistent dividends indicate significant potential for future growth and investor interest.
Citizens & Northern Corp (CZNC) is highlighted as a top dividend stock for December 2025, showcasing its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts emphasize the importance of dividend stability and growth in the current economic climate, positioning CZNC favorably among its peers. The article suggests that CZNC's solid fundamentals and strategic initiatives could enhance its appeal in the dividend stock market. CZNC's consistent dividend growth and strong financial performance indicate a significant impact on its future market positioning and investor sentiment.
26 Dec
Citizens & Northern Corp (CZNC) is highlighted as one of three prominent dividend stocks worth considering for investment. The article emphasizes the company's strong dividend history and financial stability, making it an attractive option for income-focused investors. Alongside CZNC, other dividend stocks are also discussed, showcasing their potential for reliable returns in a fluctuating market environment. CZNC's inclusion as a dividend stock suggests a moderately noticeable influence on its market performance and investor sentiment.