What is Citizens & Northern Corporation (CZNC)?

Citizens & Northern Corporation (CZNC) is a stock in the Financial Services sector, Banks - Regional industry. View full analysis on Stocks360.

What is the current price of CZNC?

The current price of CZNC is $27.49. Prices are updated in real time on Stocks360.

What is CZNC's price-to-earnings (PE) ratio?

CZNC's trailing twelve-month PE ratio is 13.92, based on current price and earnings per share data available on Stocks360.

What is CZNC's market capitalization?

CZNC's market capitalization is $493,029,494.00, placing it in the small-cap tier.

Does CZNC pay a dividend?

Yes. CZNC has a trailing twelve-month dividend yield of 0.04%. Dividend data is sourced from financial market providers and displayed on Stocks360.

Citizens & Northern Corporation (CZNC)

Stock analysis · NASDAQ · Financial Services · Banks - Regional

$27.49

Market Cap

$493.03M

PE (TTM)

13.92

EPS (TTM)

N/A

Dividend Yield

4.07%

Beta

0.40

Day Range

$27.22 – $27.92

52-wk Range

$18.87 – $28.31

Avg Volume

N/A

Volume

66.75K

Citizens & Northern Corporation (CZNC) is a publicly traded company in the Financial Services sector. Latest price: $27.49. Market cap $493.03M. Trailing PE 13.92. Dividend yield 4.07%. Sign in to Stocks360 for full DCF valuation, fundamentals, technicals, and AI-driven analysis.

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1-Year Price

2025-10-29 · $19.24 2026-10-28 · $27.49 (+42.88%)

Earnings

Most Recent

Oct 22, 2026

EPS $0.92 vs est. $0.68

Beat by $0.24

Next Earnings

Jan 21, 2027

EPS estimate $0.68

Proprietary Signals

Signal snapshot temporarily unavailable.

About Citizens & Northern Corporation

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2…

Valuation

Trailing twelve months. Multiples relative to current market price.
P/E (TTM)	13.92×
P/S (TTM)	2.81×
P/B	1.42×
PEG	1.11×
P/FCF (TTM)	10.93×
EV / EBITDA	13.94×
EV / Sales	3.17×
Earnings Yield	7.17%
Free Cash Flow Yield	9.15%
Dividend Yield	4.07%

Fundamentals

Trailing twelve months. Source: financial statements via market data.
Enterprise Value	$556.50M
Revenue (TTM)	$175.54M
Net Income (TTM)	$35.36M
Free Cash Flow (TTM)	$84.64M
Net Debt	$63.47M
Working Capital	-$2.01B
Gross Margin	57.49%
Operating Margin	14.69%
Net Margin	19.98%
Return on Equity	10.27%
Return on Invested Capital	3.84%