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Saturday 17 October 2026 Export CZNC’s income statement to Excel — free account

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%
Market cap
$454.8M
P/E
17.3×
Fwd P/E
10.8×
Dividend yield
4.39%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Citizens & Northern Corp (CZNC) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, Citizens & Northern Corp (CZNC) trades at a P/E ratio of 17.3×. Over the past ten years it has ranged from 9.5× (October 2023) to 23.5× (June 2018); the current reading is higher than 78% of that period. That is above the Banks Regional industry median of 12.0× and above the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 13.6× 23.83%
FY2024 11.0× (24.15%)
FY2023 14.5× 8.63%
FY2022 13.4× (1.82%)
FY2021 13.6× (10.86%)
FY2020 15.3× (20.59%)
FY2019 19.2× 30.15%
FY2018 14.8× (32.49%)
FY2017 21.9× 9.00%
FY2016 20.1× 29.00%

Quarterly newest first

Period P/E ratio Change
Jun 2026 15.8× (23.24%)
Mar 2026 20.6× 51.03%
Dec 2025 13.6× 21.08%
Sep 2025 11.3× 4.00%
42 more quarters

Against its own ten years

Low 9.5× High 23.5×
Ten-year median 14.7×
Current reading's percentile 76

P/E ratio against peers

Company P/E ratio
BMRC Bank of Marin Bancorp compare n/m
FRBA First Bank compare 10.3×
RBB RBB Bancorp compare 10.5×
CBK Commercial Bancgroup, Inc. compare 10.8×
PLBC Plumas Bancorp compare 12.1×
FMAO Farmers & Merchants Bancorp Inc. compare 12.2×
CZNC Citizens & Northern Corp 17.3×
AVBC Avidia Bancorp, Inc. compare 23.1×
PBFS Pioneer Bancorp, Inc. compare 25.2×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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