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Citizens & Northern Corp (CZNC)
NASDAQ:CZNC
US Market
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Citizens & Northern (CZNC) AI Stock Analysis

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CZNC

Citizens & Northern

(NASDAQ:CZNC)

Rating:79Outperform
Price Target:
$22.50
▲(15.50% Upside)
Citizens & Northern's strong financial performance, characterized by consistent revenue growth and solid profitability, is the most significant factor driving the stock score. The valuation is attractive with a reasonable P/E ratio and a high dividend yield, making it appealing to income-focused investors. Technical indicators suggest a stable price trend with no strong momentum, adding to the stock's overall stability. The absence of notable earnings call insights or corporate events means these factors did not influence the score.

Citizens & Northern (CZNC) vs. SPDR S&P 500 ETF (SPY)

Citizens & Northern Business Overview & Revenue Model

Company DescriptionCitizens & Northern Corporation (CZNC) is a financial services holding company headquartered in Pennsylvania. It operates primarily through its subsidiary, Citizens & Northern Bank, which provides a wide range of banking services, including personal and commercial banking, mortgage lending, and wealth management. The bank serves retail and commercial customers across various sectors, focusing on community-oriented banking solutions tailored to the needs of the local markets.
How the Company Makes MoneyCZNC generates revenue through several key streams, primarily from interest income on loans, which includes personal loans, commercial loans, and mortgages. The company earns interest from the loans it extends to customers, with interest rates varying based on creditworthiness and market conditions. Additionally, CZNC generates non-interest income through fees from various banking services, including account maintenance fees, ATM fees, and transaction fees. Wealth management services also contribute to revenue, as customers pay for investment management, financial planning, and advisory services. Furthermore, CZNC may engage in strategic partnerships with other financial institutions or service providers to enhance its product offerings and reach, ultimately contributing to its overall earnings.

Citizens & Northern Financial Statement Overview

Summary
Citizens & Northern shows strong financial performance with a robust income statement, healthy balance sheet, and commendable cash flow management. Consistent revenue growth and strong profitability are evident, though increasing debt levels and variability in cash flow growth require careful monitoring.
Income Statement
85
Very Positive
Citizens & Northern showed strong income statement metrics with consistent revenue growth and stable profitability. The TTM (Trailing-Twelve-Months) Gross Profit Margin is healthy at approximately 67.7%, indicating efficient cost management. The Net Profit Margin stands at about 17.1%, reflecting solid bottom-line performance. Revenue growth has been steady over the past years, with a notable increase from 2022 to 2025. However, EBIT and EBITDA margins have seen slight fluctuations, indicating some volatility in operating efficiencies.
Balance Sheet
78
Positive
The balance sheet is robust with a reasonable Debt-to-Equity Ratio of 0.69 as of the latest TTM, suggesting prudent financial leverage. The Return on Equity is strong at about 9.6%, showcasing effective use of equity financing. The Equity Ratio is approximately 10.8%, highlighting a stable capital structure. However, the total debt has increased over the years, which could pose potential risks if not managed carefully.
Cash Flow
82
Very Positive
Cash flows are well-managed, with a positive Free Cash Flow to Net Income Ratio of around 1.01, indicating strong cash generation relative to earnings. The Operating Cash Flow to Net Income Ratio at approximately 1.07 further supports the company's solid cash flow position. However, the Free Cash Flow Growth Rate has been uneven, reflecting some variability in cash flow generation.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue157.28M155.47M136.24M115.48M108.95M100.44M
Gross Profit106.40M104.31M102.95M98.70M98.73M86.93M
EBITDA35.34M34.05M32.63M34.74M39.82M25.19M
Net Income26.95M25.96M24.15M26.62M30.55M19.22M
Balance Sheet
Total Assets2.61B2.61B2.52B2.45B2.33B2.24B
Cash, Cash Equivalents and Short-Term Investments523.20M348.61M472.63M553.08M622.63M451.19M
Total Debt194.77M207.67M211.76M181.78M77.56M91.18M
Total Liabilities2.33B2.34B2.25B2.20B2.03B1.94B
Stockholders Equity281.83M275.28M262.38M249.32M301.40M299.76M
Cash Flow
Free Cash Flow27.18M31.13M31.28M31.31M32.98M21.65M
Operating Cash Flow28.89M33.03M33.55M34.60M34.84M24.78M
Investing Cash Flow-6.48M-20.94M-53.20M-234.69M-103.89M96.58M
Financing Cash Flow47.38M58.70M24.73M151.94M68.88M-56.47M

Citizens & Northern Technical Analysis

Technical Analysis Sentiment
Positive
Last Price19.48
Price Trends
50DMA
19.00
Positive
100DMA
18.81
Positive
200DMA
19.11
Positive
Market Momentum
MACD
0.12
Negative
RSI
55.89
Neutral
STOCH
66.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZNC, the sentiment is Positive. The current price of 19.48 is above the 20-day moving average (MA) of 18.96, above the 50-day MA of 19.00, and above the 200-day MA of 19.11, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 55.89 is Neutral, neither overbought nor oversold. The STOCH value of 66.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZNC.

Citizens & Northern Risk Analysis

Citizens & Northern disclosed 15 risk factors in its most recent earnings report. Citizens & Northern reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Citizens & Northern Peers Comparison

Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$299.75M11.109.73%5.74%8.59%14.56%
78
Outperform
$384.52M7.8810.02%3.34%6.20%18.80%
75
Outperform
$302.82M6.4414.25%3.88%4.02%-0.62%
74
Outperform
$309.80M13.017.50%2.10%1.75%2.76%
73
Outperform
$319.22M15.316.98%31.28%23.21%
72
Outperform
$302.26M9.4611.31%3.33%5.10%-7.22%
58
Neutral
HK$110.85B6.44-4.87%3.92%9.01%-47.48%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CZNC
Citizens & Northern
19.48
0.53
2.80%
CIVB
Civista Bancshares
19.89
3.49
21.28%
NECB
Northeast Community Bancorp
21.60
-0.56
-2.53%
FSBW
FS Bancorp
39.90
-3.64
-8.36%
BCML
BayCom
28.36
5.73
25.32%
PBFS
Pioneer Bancorp
12.70
1.53
13.70%

Citizens & Northern Corporate Events

M&A TransactionsBusiness Operations and Strategy
Citizens & Northern Announces Merger with Susquehanna
Positive
Apr 23, 2025

On April 23, 2025, Citizens & Northern Corporation (C&N) announced a merger agreement with Susquehanna Community Financial, Inc. (SQCF), where SQCF will merge into C&N, and Susquehanna Community Bank will merge into Citizens & Northern Bank. The merger, expected to close in the fourth quarter of 2025, will result in a combined entity with approximately $3.2 billion in assets, enhancing C&N’s market presence in Pennsylvania. The merger is anticipated to be accretive to earnings per share by 17% in 2026, with SQCF shareholders receiving 0.80 shares of C&N common stock for each SQCF share. The merger aims to expand C&N’s market reach, diversify its loan portfolio, and improve service offerings.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 13, 2025