Want to see CZNC full AI Analyst Report?
Total Valuation
Citizens & Northern has a market cap or net worth of $423.37M. The enterprise value is $526.06M.
Market Cap$423.37M
Enterprise Value$526.06M
Share Statistics
Citizens & Northern has 17,916,586 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,916,586
Owned by Insiders4.89%
Owned by Institutions4.68%
Financial Efficiency
Citizens & Northern’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 0.75%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.75%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee399.45K
Profits Per Employee60.69K
Employee Count386
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens & Northern is 21.8. Citizens & Northern’s PEG ratio is -1.02.
PE Ratio21.8
PS Ratio2.09
PB Ratio0.94
Price to Fair Value0.94
Price to FCF10.69
Price to Operating Cash Flow10.68
PEG Ratio-1.02
Income Statement
In the last 12 months, Citizens & Northern had revenue of 154.19M and earned 23.43M in profits. Earnings per share was 1.46.
Revenue154.19M
Gross Profit100.75M
Operating Income28.64M
Pretax Income28.64M
Net Income23.43M
EBITDA31.01M
Earnings Per Share (EPS)1.46
Cash Flow
In the last 12 months, operating cash flow was 39.07M and capital expenditures -1.55M, giving a free cash flow of 37.52M billion.
Operating Cash Flow39.07M
Free Cash Flow37.52M
Free Cash Flow per Share2.09
Dividends & Yields
Citizens & Northern pays an annual dividend of $0.28, resulting in a dividend yield of 5.43%
Dividend Per Share$0.28
Dividend Yield5.43%
Payout Ratio61.88%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.60
52-Week Price Change24.19%
50-Day Moving Average21.77
200-Day Moving Average20.95
Relative Strength Index (RSI)65.89
Average Volume (3m)49.39K
Important Dates
Citizens & Northern upcoming earnings date is Jul 16, 2026, During Market Hours (Confirmed).
Last Earnings DateApr 29, 2026
Next Earnings DateJul 16, 2026
Ex-Dividend Date―
Financial Position
Citizens & Northern as a current ratio of 1.11, with Debt / Equity ratio of 57.53%
Current Ratio1.11
Quick Ratio1.11
Debt to Market Cap0.59
Net Debt to EBITDA4.74
Interest Coverage Ratio0.60
Taxes
In the past 12 months, Citizens & Northern has paid 5.22M in taxes.
Income Tax5.22M
Effective Tax Rate0.18
Enterprise Valuation
Citizens & Northern EV to EBITDA ratio is 15.12, with an EV/FCF ratio of 15.57.
EV to Sales3.04
EV to EBITDA15.12
EV to Free Cash Flow15.57
EV to Operating Cash Flow14.65
Balance Sheet
Citizens & Northern has $53.45M in cash and marketable securities with $193.05M in debt, giving a net cash position of -$139.60M billion.
Cash & Marketable Securities$53.45M
Total Debt$193.05M
Net Cash-$139.60M
Net Cash Per Share-$7.79
Tangible Book Value Per Share$16.73
Margins
Gross margin is 59.37%, with operating margin of 18.58%, and net profit margin of 15.19%.
Gross Margin59.37%
Operating Margin18.58%
Pretax Margin18.58%
Net Profit Margin15.19%
EBITDA Margin20.11%
EBIT Margin18.58%
Analyst Forecast
The average price target for Citizens & Northern is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast13.25%
EPS Growth Forecast-37.82%