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Citizens & Northern Corp (CZNC)
NASDAQ:CZNC
US Market

Citizens & Northern (CZNC) Stock Statistics & Valuation Metrics

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Total Valuation

Citizens & Northern has a market cap or net worth of $296.10M. The enterprise value is $374.71M.
Market Cap$296.10M
Enterprise Value$374.71M

Share Statistics

Citizens & Northern has 15,494,591 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding15,494,591
Owned by Insiders4.60%
Owned by Institutions5.34%

Financial Efficiency

Citizens & Northern’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -9.15%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-9.15%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee275.92K
Profits Per Employee67.25K
Employee Count386
Asset Turnover0.04
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Citizens & Northern is 10.94. Citizens & Northern’s PEG ratio is 3.06.
PE Ratio10.94
PS Ratio0.00
PB Ratio1.06
Price to Fair Value1.03
Price to FCF9.05
Price to Operating Cash Flow8.87
PEG Ratio3.06

Income Statement

In the last 12 months, Citizens & Northern had revenue of 106.51M and earned 25.96M in profits. Earnings per share was 1.71.
Revenue106.51M
Gross Profit106.51M
Operating Income31.87M
Pretax Income31.87M
Net Income25.96M
EBITDA0.00
Earnings Per Share (EPS)1.71

Cash Flow

In the last 12 months, operating cash flow was 33.03M and capital expenditures -352.00K, giving a free cash flow of 32.68M billion.
Operating Cash Flow33.03M
Free Cash Flow32.68M
Free Cash Flow per Share2.11

Dividends & Yields

Citizens & Northern pays an annual dividend of $1.12, resulting in a dividend yield of 5.9%
Dividend Per Share$1.12
Dividend Yield5.9%
Payout Ratio64.00%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.73
52-Week Price Change13.89%
50-Day Moving Average19.42
200-Day Moving Average19.47
Relative Strength Index (RSI)47.78
Average Volume (3m)32.12K

Important Dates

Citizens & Northern upcoming earnings date is Jul 17, 2025, TBA Not Confirmed.
Last Earnings DateApr 23, 2025
Next Earnings DateJul 17, 2025
Ex-Dividend DateMay 02, 2025

Financial Position

Citizens & Northern as a current ratio of 0.57, with Debt / Equity ratio of 74.53%
Current Ratio0.57
Quick Ratio0.57
Debt to Market Cap0.72
Net Debt to EBITDA0.00
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 0.00, with an EV/FCF ratio of 11.66.
EV to Sales3.41
EV to EBITDA0.00
EV to Free Cash Flow11.66
EV to Operating Cash Flow10.99

Balance Sheet

Citizens & Northern has $348.61M in cash and marketable securities with $205.18M in debt, giving a net cash position of -$143.43M billion.
Cash & Marketable Securities$348.61M
Total Debt$205.18M
Net Cash-$143.43M
Net Cash Per Share-$9.26
Tangible Book Value Per Share$14.46

Margins

Gross margin is 70.59%, with operating margin of 29.92%, and net profit margin of 24.37%.
Gross Margin70.59%
Operating Margin29.92%
Pretax Margin29.92%
Net Profit Margin24.37%
EBITDA Margin0.00%
EBIT Margin-2.05%

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 Upside15.85% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast1.16%
EPS Growth Forecast15.00%

Scores

Smart Score5
AI Score73.4
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