Citizens & Northern Corporation
Financials
Valuation Metrics
Citizens & Northern Corporation's Market Cap is $501M. At end of 2025 it was $356M. Ranked #2739 of 3,115 in US market (top 88%), #1192 of 1,471 on NASDAQ (top 81%), #225 of 245 in Banks (top 92%) by Market Cap.
Investment Metrics(as of 2026-10-30)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $501M | US#2,739/3,115 Sec#225/245 |
| Revenue | $141M | US#2,612/3,115 Sec#188/245 |
| Net Income | $25M | US#2,052/3,115 Sec#234/245 |
| Total Assets | $3.15B | US#1,779/3,115 Sec#234/245 |
| Net Assets | $346M | US#2,448/3,115 Sec#233/245 |
| Employees | 460 | US#2,296/3,115 Sec#189/245 |
| Value | ||
| P/E | 19.78x | US#1,082/3,115 Sec#212/245 |
| P/B | 1.45x | US#864/3,115 Sec#157/245 |
| P/S | 3.56x | US#1,932/3,115 Sec#104/245 |
| EV/EBITDA | 40.19x | US#2,306/3,115 Sec#227/245 |
| FCF Yield | 8.99% | US#687/3,115 Sec#105/245 |
| Profitability | ||
| ROE | 7.32% | US#1,646/3,115 Sec#209/245 |
| ROA | 0.80% | US#2,056/3,115 Sec#194/245 |
| Op. Margin | 9.52% | US#1,616/3,115 Sec#203/245 |
| Revenue Growth | 27.51% | US#461/3,115 Sec#28/245 |
| Earnings Growth | -5.94% | US#1,385/3,115 Sec#152/245 |
| Financial Health | ||
| Debt Ratio | 810.61% | US#2,625/3,115 Sec#136/245 |
| Total Debt | $170M | US#2,294/3,115 Sec#196/245 |
| FCF | $45M | US#2,011/3,115 Sec#196/245 |
| Cash | $83M | US#2,336/3,115 Sec#190/245 |
| Current Ratio | 40.31x | US#62/3,115 Sec#17/245 |
| Net Debt/EBITDA | 5.97x | US#2,140/3,115 Sec#188/245 |
| Dividend | ||
| Div. Yield | 3.51% | US#482/3,115 Sec#42/245 |
| Div. Growth | 4.91% | US#820/3,115 Sec#118/245 |
| Performance | ||
| 1Y Return | 43.61% | US#529/3,115 Sec#40/245 |
| 1M Return | 11.87% | US#532/3,115 Sec#14/245 |
| From 52W High | -1.13% | US#14/3,115 Sec#2/245 |
| 1Y MDD | -15.31% | US#296/3,115 Sec#114/245 |
| Trading | ||
| Volume | 44,788 shares | US#2,858/3,115 Sec#191/245 |
| Trading Value | $1M | US#2,752/3,115 Sec#217/245 |
| Per Share | ||
| EPS | $1.41 | US#1,536/3,115 Sec#196/245 |
| BPS | $19.32 | US#1,268/3,115 Sec#185/245 |
Company Info
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 range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.