Citizens & Northern Corporation

CZNC· NASDAQ· Financials· Banks

$25.30-0.35%

2026-08-03

Financials

Valuation Metrics

Citizens & Northern Corporation's Market Cap is $453M. At end of 2025 it was $356M. Ranked #2830 of 3,111 in US market (top 91%), #1239 of 1,445 on NASDAQ (top 86%), #233 of 249 in Banks (top 94%) by Market Cap.

Investment Metrics(as of 2026-08-03)

Metric	Value	Rank
Size
Market Cap	$453M	US#2,830/3,111 Sec#233/249
Revenue	$165M	US#2,718/3,111 Sec#235/249
Net Income	$17M	US#2,092/3,111 Sec#237/249
Total Assets	$3.16B	US#1,772/3,111 Sec#235/249
Net Assets	$336M	US#2,505/3,111 Sec#236/249
Value
P/E	26.04x	US#1,332/3,111 Sec#224/249
P/B	1.35x	US#695/3,111 Sec#119/249
P/S	2.74x	US#1,652/3,111 Sec#135/249
EV/EBITDA	24.94x	US#2,066/3,111 Sec#220/249
FCF Yield	8.28%	US#708/3,111 Sec#111/249
Profitability
ROE	5.19%	US#1,841/3,111 Sec#224/249
ROA	0.55%	US#2,109/3,111 Sec#216/249
Op. Margin	12.86%	US#1,386/3,111 Sec#220/249
Revenue Growth	27.27%	US#545/3,111 Sec#25/249
Earnings Growth	-95.66%	US#2,051/3,111 Sec#244/249
Financial Health
Debt Ratio	842.99%	US#2,684/3,111 Sec#155/249
Total Debt	$193M	US#2,231/3,111 Sec#183/249
FCF	$38M	US#2,029/3,111 Sec#199/249
Cash	$53M	US#2,560/3,111 Sec#216/249
Current Ratio	1.23x	US#1,958/3,111 Sec#84/249
Net Debt/EBITDA	5.87x	US#2,143/3,111 Sec#199/249
Dividend
Div. Yield	3.74%	US#448/3,111 Sec#32/249
Div. Growth	4.91%	US#816/3,111 Sec#117/249
Performance
1Y Return	37.43%	US#1,070/3,111 Sec#129/249
1M Return	7.07%	US#838/3,111 Sec#51/249
From 52W High	-2.09%	US#89/3,111 Sec#31/249
1Y MDD	-15.31%	US#325/3,111 Sec#92/249
Trading
Volume	70,265 shares	US#2,995/3,111 Sec#222/249
Trading Value	$2M	US#2,918/3,111 Sec#234/249
Per Share
EPS	$1.33	US#1,499/3,111 Sec#199/249
BPS	$19.32	US#1,233/3,111 Sec#185/249