CZNC
Financial ServicesCitizens & Northern Corporation
$20.24
+$0.27 (+1.35%)
Jan 5, 2026
Price History (1Y)
Analysis
Citizens & Northern Corporation is a regional bank holding company operating within the Financial Services sector. Specifically, it falls under the Banks - Regional industry category. The company has a relatively modest market presence, with a market capitalization of $360.37 million and approximately 386 employees. The financial health of Citizens & Northern Corporation reveals a profitable operation, with notable margins. The company boasts an operating margin of 32.5% and a profit margin of 24.8%. Additionally, the returns on equity (ROE) stand at 9.5%, while return on assets (ROA) is 1.0%. On the balance sheet side, the company has cash reserves of $124.58 million, which contrasts with outstanding debt amounting to $175.74 million. In valuation terms, Citizens & Northern Corporation's shares trade at a price-earnings ratio (P/E) of 11.44 and forward P/E of 8.30. The company has experienced revenue growth of 5.1% year-over-year and earnings growth of 2.1%. Furthermore, the dividend yield stands at 561.0%, with a payout ratio of 64.0%.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
About Citizens & Northern Corporation
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.
Visit website →Key Statistics
- Market Cap
- $360.37M
- P/E Ratio
- 11.44
- 52-Week High
- $22.68
- 52-Week Low
- $17.85
- Avg Volume
- 56.54K
- Beta
- 0.55
- Dividend Yield
- 561.00%
Company Info
- Industry
- Banks - Regional
- Exchange
- NCM
- Country
- United States
- Employees
- 386