Citizens & Northern (CZNC) AI Stock Analysis

• Market Cap: $357.82M
• Dividend Yield: 5.64%
• Average Volume (3M): 46.69K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.64
• Revenue Growth: 5.76%
• EPS Growth: 21.85%
• Country: US
• Employees: 386
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.47
• Shares Outstanding: 17,801,872
• 10 Day Avg. Volume: 53,444
• 30 Day Avg. Volume: 46,686
• PEG Ratio: 1.43
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.83
• P/FCF Ratio: 9.12
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 2.24
• Enterprise Value/Gross Profit: 3.31
• Enterprise Value/Ebitda: 10.05
• 1Y Price Target: $22.00
• Price Target Upside: 11.90% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.89
• Revenue Forecast (FY): $110.00M

• Rating: 70 Outperform
• Price Target: $21.50 ▲(9.36% Upside)

Citizens & Northern's overall stock score is driven by its strong financial performance, characterized by robust revenue growth and solid profitability. The technical analysis suggests a neutral market sentiment, while the valuation metrics indicate a fair valuation with an attractive dividend yield. The absence of earnings call data and corporate events does not impact the score significantly.

Positive Factors

Profitability

High and stable gross profit margins indicate effective cost management and pricing power, supporting long-term financial health.

Leverage Management

Improved leverage management enhances financial stability and reduces risk, providing more flexibility for future investments.

Cash Flow

Strong free cash flow growth supports operational resilience and provides capital for reinvestment or shareholder returns.

Negative Factors

Revenue Decline

A decline in revenue indicates potential challenges in market demand or competitive positioning, impacting future growth prospects.

Cash Conversion Efficiency

Low cash conversion efficiency suggests potential issues in converting earnings into cash, which could affect liquidity and investment capacity.

Historical Debt Levels

Past high debt levels may indicate financial strain, potentially limiting future borrowing capacity and increasing interest expenses.

Citizens & Northern Business Overview & Revenue Model

Company Description

Citizens & Northern Corporation (CZNC) is a financial services holding company headquartered in Wellsboro, Pennsylvania. It operates primarily through its wholly-owned subsidiary, Citizens & Northern Bank, which offers a wide array of banking and financial products. The company's services include personal and commercial banking, mortgage lending, wealth management, and investment services, catering to both individual and business clients across its regional footprint in Pennsylvania and New York.

How the Company Makes Money

Citizens & Northern generates revenue primarily through interest income from its loan portfolio, which includes commercial loans, consumer loans, and real estate mortgages. Additionally, the bank earns non-interest income from fees associated with various banking services, such as account maintenance, ATM usage, and transaction services. Wealth management services, including investment advisory and fiduciary services, also contribute to its revenue streams. The company has established partnerships with local businesses and community organizations, enhancing its customer base and service offerings. Economic factors such as interest rates and market conditions also play a significant role in influencing its earnings.

Citizens & Northern Financial Statement Overview

Summary

Citizens & Northern demonstrates strong profitability and effective cost management, with stable margins and improved leverage. However, recent revenue decline and low cash conversion efficiency could pose challenges. The company maintains a solid capital structure, but historical high debt levels warrant caution.

Income Statement

Citizens & Northern shows strong profitability with a consistent gross profit margin above 70% in recent periods. However, revenue has declined by 7.49% in the TTM, indicating potential challenges in revenue generation. The net profit margin remains healthy at 18.52%, and EBIT and EBITDA margins are stable, reflecting efficient cost management.

Balance Sheet

The company's debt-to-equity ratio has improved from 1.04 in 2022 to 0.64 in the TTM, indicating better leverage management. Return on equity is stable around 9.6%, showing consistent shareholder returns. The equity ratio suggests a solid capital structure, but the high debt levels in previous years pose a potential risk.

Cash Flow

Free cash flow has grown by 20.2% in the TTM, indicating improved cash generation. However, the operating cash flow to net income ratio is low at 1.36%, suggesting limited cash conversion efficiency. The free cash flow to net income ratio is strong at 94.69%, reflecting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	159.48M	155.47M	136.24M	115.48M	108.95M	100.44M
Gross Profit	107.97M	104.31M	102.95M	98.70M	98.73M	86.93M
EBITDA	35.60M	34.05M	32.63M	34.74M	39.82M	25.19M
Net Income	27.14M	25.96M	24.15M	26.62M	30.55M	19.22M
Balance Sheet
Total Assets	2.66B	2.61B	2.52B	2.45B	2.33B	2.24B
Cash, Cash Equivalents and Short-Term Investments	333.21M	348.61M	472.63M	553.08M	622.63M	451.19M
Total Debt	174.25M	207.67M	211.76M	181.78M	77.56M	91.18M
Total Liabilities	2.37B	2.34B	2.25B	2.20B	2.03B	1.94B
Stockholders Equity	293.96M	275.28M	262.38M	249.32M	301.40M	299.76M
Cash Flow
Free Cash Flow	31.69M	31.13M	31.28M	31.31M	32.98M	21.65M
Operating Cash Flow	33.50M	33.03M	33.55M	34.60M	34.84M	24.78M
Investing Cash Flow	-55.75M	-20.94M	-53.20M	-234.69M	-103.89M	96.58M
Financing Cash Flow	-37.63M	58.70M	24.73M	151.94M	68.88M	-56.47M

Citizens & Northern Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.66
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 above the 20-day moving average (MA) of 19.33, above the 50-day MA of 19.33, and above the 200-day MA of 19.06, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 62.11 is Neutral, neither overbought nor oversold. The STOCH value of 81.85 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZNC.

Citizens & Northern Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PCB	80 Outperform	$309.32M	9.04	9.38%	3.62%	10.93%	42.68%
FSBW	74 Outperform	$288.43M	9.27	10.77%	3.34%	4.43%	-12.94%
CBAN	72 Outperform	$291.86M	10.51	9.63%	2.75%	6.92%	26.93%
FNLC	72 Outperform	$278.70M	8.84	11.86%	5.73%	10.46%	18.70%
CZNC	70 Outperform	$357.82M	11.49	9.42%	5.64%	5.76%	21.85%
PLBC	68 Neutral	$292.27M	9.83	12.34%	2.86%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Citizens & Northern Corporate Events

Citizens & Northern Reports Q3 2025 Earnings Growth

Citizens & Northern Corporation, a community banking entity headquartered in Wellsboro, Pennsylvania, operates primarily through its subsidiary, Citizens & Northern Bank, providing a range of banking services across Pennsylvania and New York.

Citizens & Northern Completes Merger with Susquehanna

On October 1, 2025, Citizens & Northern Corporation completed its merger with Susquehanna Community Financial, Inc., resulting in the integration of Susquehanna Community Bank into Citizens & Northern Bank. This strategic move aims to enhance C&N’s market presence in Central Pennsylvania, aligning with its community-focused values and expanding its shareholder and customer base. Key executives from Susquehanna have joined C&N, indicating a smooth transition and potential for strengthened operations.

The most recent analyst rating on (CZNC) stock is a Buy with a $22.50 price target. To see the full list of analyst forecasts on Citizens & Northern stock, see the CZNC Stock Forecast page.

Citizens & Northern Receives Approvals for Susquehanna Merger

On September 22, 2025, Citizens & Northern Corporation announced it received all necessary regulatory and shareholder approvals to proceed with the merger of Susquehanna Community Financial, Inc. into C&N. The merger, initially announced on April 23, 2025, is expected to close on October 1, 2025, pending customary closing conditions. This merger is anticipated to enhance C&N’s market presence and operational capabilities, although it may present challenges such as integration efforts and the need to attract key personnel in Susquehanna’s market area.

The most recent analyst rating on (CZNC) stock is a Buy with a $22.50 price target. To see the full list of analyst forecasts on Citizens & Northern stock, see the CZNC Stock Forecast page.