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Citizens & Northern
(NASDAQ:CZNC)
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Rating:66Neutral
Price Target:
$27.00
â–²(10.88% Upside)
Action:Reiterated
Date:08/08/26
The score is driven primarily by acceptable overall financial health—especially strong recent cash generation and improving leverage—tempered by a major top-line decline and margin compression. Technicals add support due to a strong uptrend, though overbought signals increase near-term pullback risk. Valuation is a headwind given the high P/E, partially offset by the solid dividend yield.
Positive Factors
Improving Leverage
Leverage reduction and modest equity growth materially improve balance-sheet resilience. Lower debt-to-equity and falling total debt expand capacity to absorb credit shocks, support lending capacity and capital return flexibility, and reduce structural funding risk over the medium term.
Negative Factors
Sharp Revenue Decline
A very large trailing revenue contraction materially weakens growth runway and limits operational flexibility. Sustained top-line declines shrink the scale to absorb higher provisions or invest in business initiatives, increasing the risk that earnings and franchise investments underperform over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Leverage
Leverage reduction and modest equity growth materially improve balance-sheet resilience. Lower debt-to-equity and falling total debt expand capacity to absorb credit shocks, support lending capacity and capital return flexibility, and reduce structural funding risk over the medium term.
Read all positive factors
Citizens & Northern (CZNC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$465.41M
Dividend Yield4.31%
Average Volume (3M)49.39K
Price to Earnings (P/E)17.6
Beta (1Y)0.56
Revenue Growth18.97%
EPS Growth-14.99%
CountryUS
Employees460
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.48
Shares Outstanding17,934,868
10 Day Avg. Volume58,625
30 Day Avg. Volume49,387
Financial Highlights & Ratios
PEG Ratio-1.02
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.69
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.97
Revenue Forecast (FY)$146.90M
Citizens & Northern Business Overview & Revenue Model
Company Description
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a ran...
How the Company Makes Money
CZNC generates revenue primarily through its banking operations. The core earnings driver is net interest income: it collects interest on interest-earning assets (such as commercial, consumer, and real estate loans and securities) and pays interes...
Citizens & Northern Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
68
Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 164.34M | 154.19M | 155.47M | 136.24M | 115.48M | 108.95M |
| Gross Profit | 85.06M | 100.75M | 104.31M | 102.95M | 98.70M | 98.73M |
| EBITDA | 14.65M | 31.01M | 34.05M | 32.63M | 34.74M | 39.82M |
| Net Income | 25.35M | 23.43M | 25.96M | 24.15M | 26.62M | 30.55M |
Balance Sheet | ||||||
| Total Assets | 3.15B | 3.13B | 2.61B | 2.52B | 2.45B | 2.33B |
| Cash, Cash Equivalents and Short-Term Investments | 579.37M | 337.38M | 348.61M | 472.63M | 553.08M | 622.63M |
| Total Debt | 170.03M | 193.05M | 207.67M | 211.76M | 181.78M | 77.56M |
| Total Liabilities | 2.81B | 2.79B | 2.34B | 2.25B | 2.20B | 2.03B |
| Stockholders Equity | 346.14M | 341.71M | 275.28M | 262.38M | 249.32M | 301.40M |
Cash Flow | ||||||
| Free Cash Flow | 45.11M | 30.10M | 31.13M | 31.28M | 31.31M | 32.98M |
| Operating Cash Flow | 45.98M | 32.00M | 33.03M | 33.55M | 34.60M | 34.84M |
| Investing Cash Flow | 23.35M | 2.17M | -20.94M | -53.20M | -234.69M | -103.89M |
| Financing Cash Flow | -85.17M | -111.07M | 58.70M | 24.73M | 151.94M | 68.88M |
Citizens & Northern Technical Analysis
Positive
24.35
Price Trends
23.16
Positive
22.45
Positive
21.51
Positive
Market Momentum
0.79
Negative
77.45
Negative
87.60
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 24.35 is below the 20-day moving average (MA) of 24.65, above the 50-day MA of 23.16, and above the 200-day MA of 21.51, indicating a bullish trend. The MACD of 0.79 indicates Negative momentum. The RSI at 77.45 is Negative, neither overbought nor oversold. The STOCH value of 87.60 is Negative, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $439.46M | 12.34 | 13.72% | 2.05% | 32.78% | 4.54% | |
74 Outperform | $394.93M | 9.73 | 10.64% | 2.99% | 6.34% | 35.15% | |
70 Outperform | $467.07M | 13.46 | 9.04% | 2.15% | 16.31% | 4.61% | |
68 Neutral | $402.22M | 10.42 | 13.30% | 4.26% | 3.47% | 25.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $465.41M | 17.62 | 7.70% | 4.60% | 18.97% | -14.99% | |
63 Neutral | $325.45M | 9.89 | 10.75% | 3.12% | 5.99% | 3.20% |
* Financial Sector Average
CZNC
Citizens & Northern
26.00
7.83
43.12%
CBAN
Colony Bankcorp
22.21
6.13
38.11%
FNLC
First Bancorp
35.52
10.99
44.82%
PLBC
Plumas Bancorp
63.57
23.21
57.49%
FSBW
FS Bancorp
43.90
4.87
12.46%
PCB
PCB Bancorp
28.51
7.84
37.94%
Citizens & Northern Corporate Events
Business Operations and StrategyExecutive/Board Changes
Citizens & Northern Announces Commercial Lending Leadership Transition
Neutral
May 11, 2026
On May 7, 2026, Citizens Northern Bank’s Executive Vice President and Chief Lending Officer – Commercial, Kelley Cwiklinski, tendered her notice of retirement, effective at the close of business on July 10, 2026, and will continue to ...
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.