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Citizens & Northern (CZNC)
NASDAQ:CZNC
US Market
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Citizens & Northern (CZNC) Stock Statistics & Valuation Metrics

192 Followers

Total Valuation

Citizens & Northern has a market cap or net worth of $377.50M. The enterprise value is $517.10M.
Market Cap$377.50M
Enterprise Value$517.10M

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 Insiders4.85%
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 361.4. Citizens & Northern’s PEG ratio is -1.01.
PE Ratio361.4
PS Ratio2.09
PB Ratio0.94
Price to Fair Value0.94
Price to FCF10.69
Price to Operating Cash Flow9.53
PEG Ratio-1.01

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
EBITDA28.64M
Earnings Per Share (EPS)1.46

Cash Flow

In the last 12 months, operating cash flow was 39.07M and capital expenditures -2.67M, giving a free cash flow of 36.41M billion.
Operating Cash Flow39.07M
Free Cash Flow36.41M
Free Cash Flow per Share2.03

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

Beta0.66
52-Week Price Change17.21%
50-Day Moving Average22.03
200-Day Moving Average20.57
Relative Strength Index (RSI)43.00
Average Volume (3m)37.82K

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 EBITDA5.13
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 16.36, with an EV/FCF ratio of 15.57.
EV to Sales3.04
EV to EBITDA16.36
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 Margin18.58%
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%

Scores

Smart Score5
AI Score