Citizens & Northern (CZNC)
NASDAQ:CZNC
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Citizens & Northern
(NASDAQ:CZNC)
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Rating:71Outperform
Price Target:
$26.00
â–²(32.25% Upside)
Action:ReiteratedDate:04/28/26
The score is driven primarily by stable financial quality (steady cash generation and improved leverage) but tempered by cooling revenue and multi-year margin/ROE compression. Technicals are mildly supportive with price above major moving averages and a positive MACD, while valuation is helped by a moderate P/E and a high dividend yield; corporate updates are positive but incremental.
Positive Factors
Improving leverage
A materially lower debt-to-equity ratio enhances balance-sheet resilience and lowers financial risk. Sustained de-leveraging improves capital flexibility for lending, cushions shocks to earnings, and supports regulatory ratios and shareholder distributions over the medium term.
Negative Factors
Cooling revenue growth
A decline in revenue after prior growth suggests waning loan or fee momentum and weaker top-line drivers. Persistent revenue softness constrains operating leverage, limits the ability to restore margins, and reduces the runway for reinvestment or faster balance-sheet expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
A materially lower debt-to-equity ratio enhances balance-sheet resilience and lowers financial risk. Sustained de-leveraging improves capital flexibility for lending, cushions shocks to earnings, and supports regulatory ratios and shareholder distributions over the medium term.
Read all positive factors
Citizens & Northern (CZNC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$385.61M
Dividend Yield5.43%
Average Volume (3M)39.55K
Price to Earnings (P/E)361.4
Beta (1Y)0.68
Revenue Growth13.25%
EPS Growth-37.82%
CountryUS
Employees386
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.48
Shares Outstanding17,910,242
10 Day Avg. Volume36,680
30 Day Avg. Volume39,552
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio11.44
Enterprise Value/Market Cap1.44
Enterprise Value/Revenue3.59
Enterprise Value/Gross Profit5.49
Enterprise Value/Ebitda18.37
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.52
Revenue Forecast (FY)$146.90M
Citizens & Northern Business Overview & Revenue Model
Company Description
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial,...
How the Company Makes Money
CZNC primarily makes money through its banking operations. The largest driver is net interest income: it earns interest and fees on interest-earning assets (such as commercial loans, consumer loans, real estate loans, and securities/investment por...
Citizens & Northern Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
67
Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 154.19M | 155.47M | 136.24M | 115.48M | 108.95M |
| Gross Profit | 100.75M | 104.31M | 102.95M | 98.70M | 98.73M |
| EBITDA | 28.64M | 34.05M | 32.63M | 34.74M | 39.82M |
| Net Income | 23.43M | 25.96M | 24.15M | 26.62M | 30.55M |
Balance Sheet | |||||
| Total Assets | 3.13B | 2.61B | 2.52B | 2.45B | 2.33B |
| Cash, Cash Equivalents and Short-Term Investments | 337.38M | 348.61M | 472.63M | 553.08M | 622.63M |
| Total Debt | 193.05M | 207.67M | 211.76M | 181.78M | 77.56M |
| Total Liabilities | 2.79B | 2.34B | 2.25B | 2.20B | 2.03B |
| Stockholders Equity | 341.71M | 275.28M | 262.38M | 249.32M | 301.40M |
Cash Flow | |||||
| Free Cash Flow | 30.10M | 31.13M | 31.28M | 31.31M | 32.98M |
| Operating Cash Flow | 32.00M | 33.03M | 33.55M | 34.60M | 34.84M |
| Investing Cash Flow | 196.00K | -20.94M | -53.20M | -234.69M | -103.89M |
| Financing Cash Flow | -111.07M | 58.70M | 24.73M | 151.94M | 68.88M |
Citizens & Northern Technical Analysis
Positive
19.66
Price Trends
22.78
Positive
21.79
Positive
20.41
Positive
Market Momentum
0.35
Negative
64.41
Neutral
69.57
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 19.66 is below the 20-day moving average (MA) of 22.78, below the 50-day MA of 22.78, and below the 200-day MA of 20.41, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 64.41 is Neutral, neither overbought nor oversold. The STOCH value of 69.57 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $342.98M | 7.46 | 10.43% | 3.57% | 8.84% | 43.48% | |
71 Outperform | $385.61M | 361.39 | 5.49% | 5.43% | 13.25% | -37.82% | |
71 Outperform | $352.29M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
70 Outperform | $320.19M | 8.65 | 13.08% | 5.24% | 5.29% | 28.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $411.38M | 12.91 | 8.83% | 2.55% | 12.81% | 11.31% | |
62 Neutral | $302.31M | 9.26 | 10.88% | 3.17% | 6.31% | -1.13% |
* Financial Sector Average
CZNC
Citizens & Northern
21.53
3.72
20.91%
CBAN
Colony Bankcorp
19.43
4.24
27.95%
FNLC
First Bancorp
28.41
5.05
21.61%
PLBC
Plumas Bancorp
50.51
7.68
17.94%
FSBW
FS Bancorp
40.30
2.00
5.22%
PCB
PCB Bancorp
24.10
5.05
26.52%
Citizens & Northern Corporate Events
Executive/Board ChangesShareholder Meetings
Citizens & Northern Shareholders Back Board, Pay, Auditor Choices
Positive
Apr 28, 2026
Citizens Northern Corporation held its virtual Annual Meeting of Shareholders on April 23, 2026, with 69% of its 17,910,243 outstanding common shares represented. Shareholders elected Class III directors Stephen M. Dorwart, J. Bradley Scovill, an...
Dividends
Citizens & Northern Declares Regular Quarterly Cash Dividend
Positive
Apr 23, 2026
On April 23, 2026, Citizens Northern Corporation reported that its Board of Directors declared a regular quarterly cash dividend of $0.28 per share, underscoring the bank’s continued commitment to returning capital to shareholders. The divi...
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.