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Citizens & Northern (CZNC)
:CZNC
Total Valuation
Citizens & Northern has a market cap or net worth of $359.42M. The enterprise value is $357.80M.
Market Cap$359.42M
Enterprise Value$357.80M
Share Statistics
Citizens & Northern has 17,801,872 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,801,872
Owned by Insiders4.71%
Owned by Institutions5.15%
Financial Efficiency
Citizens & Northern’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 5.02%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.02%
Return on Capital Employed (ROCE)0.06
Revenue Per Employee402.77K
Profits Per Employee67.25K
Employee Count386
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens & Northern is 11.5. Citizens & Northern’s PEG ratio is 1.43.
PE Ratio11.5
PS Ratio1.83
PB Ratio1.03
Price to Fair Value1.03
Price to FCF9.12
Price to Operating Cash Flow8.73
PEG Ratio1.43
Income Statement
In the last 12 months, Citizens & Northern had revenue of 155.47M and earned 25.96M in profits. Earnings per share was 1.71.
Revenue155.47M
Gross Profit104.31M
Operating Income31.87M
Pretax Income31.87M
Net Income25.96M
EBITDA34.05M
Earnings Per Share (EPS)1.71
Cash Flow
In the last 12 months, operating cash flow was 33.50M and capital expenditures -1.80M, giving a free cash flow of 31.69M billion.
Operating Cash Flow33.50M
Free Cash Flow31.69M
Free Cash Flow per Share1.78
Dividends & Yields
Citizens & Northern pays an annual dividend of $0.28, resulting in a dividend yield of 5.55%
Dividend Per Share$0.28
Dividend Yield5.55%
Payout Ratio61.88%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.64
52-Week Price Change6.15%
50-Day Moving Average19.33
200-Day Moving Average19.06
Relative Strength Index (RSI)62.11
Average Volume (3m)46.93K
Important Dates
Citizens & Northern upcoming earnings date is Jan 15, 2026, During Market Hours (Confirmed).
Last Earnings DateOct 23, 2025
Next Earnings DateJan 15, 2026
Ex-Dividend DateNov 03, 2025
Financial Position
Citizens & Northern as a current ratio of 0.17, with Debt / Equity ratio of 0.00%
Current Ratio0.17
Quick Ratio0.17
Debt to Market Cap0.73
Net Debt to EBITDA2.39
Interest Coverage Ratio0.65
Taxes
In the past 12 months, Citizens & Northern has paid 5.91M in taxes.
Income Tax5.91M
Effective Tax Rate0.19
Enterprise Valuation
Citizens & Northern EV to EBITDA ratio is 10.73, with an EV/FCF ratio of 11.74.
EV to Sales2.35
EV to EBITDA10.73
EV to Free Cash Flow11.74
EV to Operating Cash Flow11.06
Balance Sheet
Citizens & Northern has $333.21M in cash and marketable securities with $174.25M in debt, giving a net cash position of $158.96M billion.
Cash & Marketable Securities$333.21M
Total Debt$174.25M
Net Cash$158.96M
Net Cash Per Share$8.93
Tangible Book Value Per Share$14.46
Margins
Gross margin is 69.59%, with operating margin of 20.50%, and net profit margin of 16.70%.
Gross Margin69.59%
Operating Margin20.50%
Pretax Margin20.50%
Net Profit Margin16.70%
EBITDA Margin21.90%
EBIT Margin20.50%
Analyst Forecast
The average price target for Citizens & Northern is $22.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$22.00
Price Target Upside11.90% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast5.76%
EPS Growth Forecast21.85%