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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 $307.34M. The enterprise value is $364.36M.
Market Cap$307.34M
Enterprise Value$364.36M

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 Insiders4.63%
Owned by Institutions5.73%

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 10.94. Citizens & Northern’s PEG ratio is 2.94.
PE Ratio10.94
PS Ratio0.00
PB Ratio1.00
Price to Fair Value1.03
Price to FCF10.46
Price to Operating Cash Flow9.74
PEG Ratio2.94

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 28.89M and capital expenditures -1.70M, giving a free cash flow of 27.18M billion.
Operating Cash Flow28.89M
Free Cash Flow27.18M
Free Cash Flow per Share1.75

Dividends & Yields

Citizens & Northern pays an annual dividend of $1.12, resulting in a dividend yield of 5.57%
Dividend Per Share$1.12
Dividend Yield5.57%
Payout Ratio64.00%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.73
52-Week Price Change22.59%
50-Day Moving Average19.00
200-Day Moving Average19.48
Relative Strength Index (RSI)64.15
Average Volume (3m)31.92K

Important Dates

Citizens & Northern upcoming earnings date is Jul 17, 2025, During Market Hours (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 0.17, with Debt / Equity ratio of 69.11%
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 $523.20M in cash and marketable securities with $194.77M in debt, giving a net cash position of -$328.43M billion.
Cash & Marketable Securities$523.20M
Total Debt$194.77M
Net Cash-$328.43M
Net Cash Per Share-$21.20
Tangible Book Value Per Share$14.46

Margins

Gross margin is 67.65%, with operating margin of 20.50%, and net profit margin of 16.70%.
Gross Margin67.65%
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 Upside10.89% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast1.17%
EPS Growth Forecast15.00%

Scores

Smart Score6
AI Score77.6
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