CZNC - Citizens & Northern Corp

Citizens & Northern Corporation is the banking holding company for Citizens & Northern Bank providing a range of banking and mortgage services to individual and corporate clients in northern central Pennsylvania and southern New York. The company is headquartered in Wellsboro, Pennsylvania.

52W High

$21.72

52W Low

$17.10

MA Status:

50D: Above 200D: Above

Beta (~1 neutral, <0.9 lower risk)

0.58

Valuation

Attractive

As of 2025-06-30 (Overview)

Trailing P/E (<15 better)

11.52

Forward P/E (<15 better)

11.19

EV/EBITDA (<8 favorable)

N/A

EV/Revenue (<3 favorable)

4.52

P/S (TTM) (<3 favorable)

2.89

P/B (<3 favorable)

1.09

Ownership

Balanced

Source: Overview

Insiders (1–5% typical)

3.76%

Institutions (25–75% balanced)

33.77%

Shares Outstanding

15,514,900

Float

14,793,200

Dividend Yield (2–6% sweet spot)

0.05%

Ex‑Dividend Date

2025-08-04

Income & Growth

Profitability: Weak

As of 2025-06-30 (Overview)

Revenue (TTM)

108,310,000

Gross Profit (TTM)

108,310,000

EPS (TTM)

1.75

Profit Margin (>10% good)

0.25%

Operating Margin (TTM) (higher better)

0.29%

ROE (TTM) (>15% strong)

0.10%

EPS YoY (Quarterly) (>10% good)

-0.01

Revenue YoY (Quarterly) (>8% good)

0.01

Momentum

Bearish momentum

Value

0.2469

0.2760

Trend

Falling

Signal Cross

No cross

As of

Sep. 12, 2025