Saturday 17 October 2026
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Citizens & Northern Corp
CZNC Financial Banks Regional
Citizens & Northern Corp’s revenue for fiscal 2025 (year ended December 2025) was $170.1 million, up 8.13% from fiscal 2024. In the quarter to June 2026, revenue grew 26.5%, EPS grew 97.5%, free cash flow grew 90.3% and total debt fell 15.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.
25.50
0.14
+0.55%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.63 | 11.01 | 14.51 | 13.36 | 13.60 | 15.26 | 19.22 | 14.77 | 21.87 | 20.07 |
Piotroski F-Score |
5 | 6 | 6 | 5 | 6 | 6 | 5 | 6 | 6 | 7 |
P/S ratio |
1.89 | 1.80 | 2.52 | 3.02 | 3.73 | 2.88 | 4.47 | 4.55 | 4.68 | 5.17 |
P/FCF ratio |
10.69 | 9.12 | 11.10 | 11.27 | 12.25 | 13.51 | 19.18 | 13.06 | 16.49 | 18.54 |
P/Operating CF |
30.41 | 23.51 | 44.82 | 43.81 | 42.42 | 28.72 | 60.74 | 43.44 | 67.11 | 67.18 |
P/B ratio |
0.94 | 1.03 | 1.32 | 1.42 | 1.37 | 0.98 | 1.54 | 1.64 | 1.55 | 1.69 |
Price to Tangible BV |
1.21 | 1.29 | 1.67 | 1.82 | 1.68 | 1.20 | 1.75 | 1.74 | 1.65 | 1.80 |
EV/Sales |
2.57 | 2.31 | 3.39 | 3.41 | 3.47 | 2.58 | 4.74 | 4.52 | 4.17 | 5.27 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.64 | 10.99 | 13.96 | 11.55 | 10.98 | 10.56 | 17.73 | 12.38 | 13.39 | 17.30 |
EV/FCF |
14.50 | 11.66 | 14.97 | 12.76 | 11.38 | 12.09 | 20.32 | 12.96 | 14.68 | 18.92 |
Quick Ratio |
0.02 | 0.06 | 0.03 | 0.03 | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 | 0.03 |
Current Ratio |
0.91 | 0.94 | 0.91 | 0.85 | 0.85 | 0.93 | 0.90 | 0.81 | 0.79 | 0.77 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
5.14% | 7.86% | 7.07% | 4.14% | 3.25% | 3.18% | 3.54% | 2.78% | 0.72% | 3.10% |
Debt/Equity |
0.47 | 0.75 | 0.68 | 0.41 | 0.25 | 0.24 | 0.24 | 0.18 | 0.05 | 0.21 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
Operating CF/Net income |
1.38 | 1.28 | 1.40 | 1.31 | 1.15 | 1.30 | 1.16 | 1.18 | 1.44 | 1.17 |
Capex/Depreciation |
(0.52) | (0.53) | (0.58) | (0.83) | (0.56) | (3.05) | (1.06) | (0.42) | (0.61) | (0.52) |
| 7.53% | 9.58% | 9.37% | 9.58% | 10.08% | 7.02% | 8.78% | 11.35% | 7.18% | 8.44% | |
| 0.81% | 1.00% | 0.96% | 1.10% | 1.33% | 0.98% | 1.32% | 1.71% | 1.07% | 1.28% | |
ROIC |
3.92% | 5.62% | 4.97% | 6.83% | 8.65% | 5.39% | 5.48% | 8.42% | 8.23% | 6.86% |
Return on Tangible Assets |
(10.51%) | (26.24%) | (15.10%) | (8.96%) | (11.38%) | (18.43%) | (16.23%) | (12.02%) | (6.37%) | (7.07%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
55.31% | 48.61% | 53.90% | 64.24% | 59.91% | 67.73% | 59.93% | 56.47% | 60.65% | 59.19% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.76% | 0.95% | 1.07% | 1.08% | 1.10% | 1.03% | 0.95% | 1.20% | 1.01% | 0.96% |
Graham Net Nets |
(1.27) | (1.14) | (1.03) | (1.18) | (0.88) | (0.67) | (0.52) | (0.72) | (0.81) | (0.88) |
Graham Number |
26.71 | 26.19 | 24.66 | 24.91 | 28.74 | 24.39 | 24.66 | 25.51 | 19.62 | 21.27 |
Earnings Yield |
7.34% | 9.09% | 6.89% | 7.49% | 7.35% | 6.55% | 5.20% | 6.77% | 4.57% | 4.98% |
Free Cash Flow Yield |
9.36% | 10.97% | 9.01% | 8.87% | 8.16% | 7.40% | 5.21% | 7.66% | 6.06% | 5.39% |
Revenue per Share |
10.66 | 10.31 | 9.05 | 7.58 | 7.00 | 6.90 | 6.32 | 5.81 | 5.14 | 5.05 |
Operating CF per Share |
2.01 | 2.16 | 2.20 | 2.24 | 2.21 | 1.68 | 1.69 | 2.12 | 1.60 | 1.54 |
Capex per Share |
(0.12) | (0.12) | (0.15) | (0.21) | (0.08) | (0.21) | (0.22) | (0.10) | (0.14) | (0.13) |
Free Cash Flow per Share |
1.89 | 2.04 | 2.05 | 2.03 | 2.13 | 1.47 | 1.47 | 2.02 | 1.46 | 1.41 |
Cash per Share |
2.89 | 8.27 | 3.73 | 3.56 | 6.66 | 6.91 | 2.72 | 3.15 | 3.40 | 2.67 |
Shareholders Equity per Share |
21.42 | 18.04 | 17.21 | 16.13 | 19.12 | 20.33 | 18.38 | 16.15 | 15.55 | 15.46 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.42 | 18.04 | 17.21 | 16.13 | 19.12 | 20.33 | 18.38 | 16.15 | 15.55 | 15.46 |
Free Cash Flow |
30.10 | 31.13 | 31.28 | 31.31 | 33.61 | 21.65 | 19.59 | 24.73 | 17.68 | 16.93 |
Working Capital |
(248.93) | (119.47) | (180.37) | (316.14) | (287.00) | (125.21) | (136.73) | (196.74) | (226.44) | (238.25) |
Capital Expenditures |
(1.90) | (1.91) | (2.26) | (3.29) | (1.24) | (3.14) | (2.87) | (1.17) | (1.70) | (1.58) |
Net Current Asset Value |
(409.79) | (324.65) | (358.25) | (417.86) | (362.75) | (196.37) | (195.36) | (232.65) | (235.63) | (276.71) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.02 | 0.03 | 0.01 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 |
Price to Operating Income |
11.23 | 8.91 | 11.39 | 10.91 | 10.93 | 12.60 | 16.05 | 12.30 | 14.16 | 14.87 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.13 | 0.17 | 0.18 | 0.18 | 0.11 | 0.05 | 0.16 | 0.19 | 0.18 | 0.20 |
Cash ROIC |
5.49% | 5.13% | 6.29% | 7.71% | 6.97% | 4.58% | 5.77% | 9.10% | 7.40% | 6.60% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
19,764.41 | 15,609.27 | 22,214.96 | 76,596.43 | 107,078.16 | 69,251.82 | 44,463.77 | 81,584.17 | 94,018.87 | 97,238.75 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,329.31 | 2,054.36 | 2,006.20 | 1,961.33 | 1,872.76 | 1,536.56 | 1,143.22 | 1,021.11 | 996.15 | 959.73 |
Average Assets |
2,871.56 | 2,563.12 | 2,484.95 | 2,390.98 | 2,283.37 | 1,946.62 | 1,472.52 | 1,283.93 | 1,259.63 | 1,232.85 |
Average Common Equity |
308.50 | 268.83 | 255.85 | 275.37 | 300.58 | 272.10 | 220.91 | 192.91 | 187.23 | 186.75 |
Columns are period end dates