Citizens & Northern (CZNC)
NASDAQ:CZNC
Want to see CZNC full AI Analyst Report?
Top Page
Citizens & Northern
(NASDAQ:CZNC)
Select Model
Select Model
Rating:53Neutral
Price Target:
$21.00
â–²(6.82% Upside)
Action:Downgraded
Date:05/14/26
The score is held back primarily by weakening profitability/ROE in the financials and bearish technical momentum (price below key moving averages with negative MACD). Valuation is a major negative due to the extremely high P/E, only partly offset by a strong dividend yield and supportive corporate actions (ongoing dividend and shareholder approvals).
Positive Factors
Revenue Growth
Sustained TTM revenue growth indicates improving core banking activity and loan/product demand. Over 2-6 months this supports net interest income expansion and fee recovery, providing a durable lift to earnings capacity and underwriting scale versus prior flat performance in 2025.
Negative Factors
Margin Compression
Meaningful decline in net margin signals reduced profitability per dollar of revenue and compresses internal capital generation. Persisting margin pressure undermines ROE and the bank’s ability to fund growth or rebuild reserves, representing a structural headwind if competitive or funding costs remain elevated.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained TTM revenue growth indicates improving core banking activity and loan/product demand. Over 2-6 months this supports net interest income expansion and fee recovery, providing a durable lift to earnings capacity and underwriting scale versus prior flat performance in 2025.
Read all positive factors
Citizens & Northern (CZNC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$377.50M
Dividend Yield5.43%
Average Volume (3M)38.26K
Price to Earnings (P/E)361.4
Beta (1Y)0.66
Revenue Growth13.25%
EPS Growth-37.82%
CountryUS
Employees386
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.09
Shares Outstanding17,916,586
10 Day Avg. Volume47,717
30 Day Avg. Volume38,258
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.69
Enterprise Value/Market Cap1.37
Enterprise Value/Revenue3.13
Enterprise Value/Gross Profit5.26
Enterprise Value/Ebitda23.09
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.5
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
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 165.42M | 154.19M | 155.47M | 136.24M | 115.48M | 108.95M |
| Gross Profit | 98.22M | 100.75M | 104.31M | 102.95M | 98.70M | 98.73M |
| EBITDA | 22.40M | 28.64M | 34.05M | 32.63M | 34.74M | 39.82M |
| Net Income | 17.41M | 23.43M | 25.96M | 24.15M | 26.62M | 30.55M |
Balance Sheet | ||||||
| Total Assets | 3.16B | 3.13B | 2.61B | 2.52B | 2.45B | 2.33B |
| Cash, Cash Equivalents and Short-Term Investments | 53.45M | 337.38M | 348.61M | 472.63M | 553.08M | 622.63M |
| Total Debt | 193.05M | 193.05M | 207.67M | 211.76M | 181.78M | 77.56M |
| Total Liabilities | 2.83B | 2.79B | 2.34B | 2.25B | 2.20B | 2.03B |
| Stockholders Equity | 335.56M | 341.71M | 275.28M | 262.38M | 249.32M | 301.40M |
Cash Flow | ||||||
| Free Cash Flow | 36.41M | 30.10M | 31.13M | 31.28M | 31.31M | 32.98M |
| Operating Cash Flow | 39.07M | 32.00M | 33.03M | 33.55M | 34.60M | 34.84M |
| Investing Cash Flow | -29.67M | 196.00K | -20.94M | -53.20M | -234.69M | -103.89M |
| Financing Cash Flow | -68.09M | -111.07M | 58.70M | 24.73M | 151.94M | 68.88M |
Citizens & Northern Technical Analysis
Neutral
19.66
Price Trends
22.03
Negative
21.90
Negative
20.57
Positive
Market Momentum
-0.44
Positive
43.00
Neutral
65.18
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZNC, the sentiment is Neutral. The current price of 19.66 is below the 20-day moving average (MA) of 21.48, below the 50-day MA of 22.03, and below the 200-day MA of 20.57, indicating a neutral trend. The MACD of -0.44 indicates Positive momentum. The RSI at 43.00 is Neutral, neither overbought nor oversold. The STOCH value of 65.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $349.32M | 7.46 | 10.43% | 3.57% | 8.84% | 43.25% | |
76 Outperform | $366.94M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
72 Outperform | $304.00M | 9.26 | 10.88% | 3.17% | 5.91% | -1.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $418.96M | 12.91 | 8.83% | 2.55% | 12.81% | 11.31% | |
64 Neutral | $322.26M | 8.65 | 13.08% | 5.24% | 5.29% | 28.67% | |
53 Neutral | $377.50M | 361.39 | 5.54% | 5.43% | 13.25% | -37.82% |
* Financial Sector Average
CZNC
Citizens & Northern
21.12
3.03
16.75%
CBAN
Colony Bankcorp
19.92
4.68
30.67%
FNLC
First Bancorp
28.94
5.67
24.34%
PLBC
Plumas Bancorp
52.71
9.83
22.94%
FSBW
FS Bancorp
40.65
2.60
6.83%
PCB
PCB Bancorp
24.79
5.59
29.14%
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 ...
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.