CZNCNasdaqState Commercial BanksFiscal year ends December 31
CITIZENS & NORTHERN CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$25.39−0.11 (-0.43%)
Close on Oct 19, 2026
- Market cap
- $451.23M
- P/E (TTM)
- 17.2
- Dividend yield
- –
Citizens & Northern statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Market Cap | $455.37M | $679.86M |
| Enterprise Value | $387.47M | $408.94M |
| PE Ratio | 17.16 | 11.99 |
| PS Ratio | 3.20 | 3.59 |
| PB Ratio | 1.32 | 1.18 |
| P/TBV Ratio | 1.67 | 1.41 |
| P/FCF Ratio | 10.17 | 10.89 |
| P/OCF Ratio | 9.90 | 10.01 |
Enterprise value
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| EV / Sales | 2.72 | 2.76 |
| EV / FCF | 8.65 | 8.23 |
Income (trailing twelve months)
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Revenue | $142.51M | $170.85M |
| Pretax Income | $31.17M | $70.12M |
| Net Income | $25.35M | $54.33M |
| EPS (Diluted) | $1.48 | $2.91 |
Margins
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Pretax Margin | 21.9% | 36.5% |
| Profit Margin | 17.8% | 29.1% |
| FCF Margin | 31.4% | 33.2% |
Returns
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Return on Equity (ROE) | 8.01% | 10.6% |
| Return on Assets (ROA) | 0.88% | 1.12% |
Growth
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 27.7% | 11.8% |
| Net Income Growth (YoY) | -5.94% | 23.2% |
| EPS Growth (YoY) | -15.4% | 23.1% |
| FCF Growth (YoY) | 64.4% | 28.5% |
| Revenue Growth (3Y CAGR) | 4.49% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.91% | 6.17% |
Balance sheet
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $82.54M | $205.54M |
| Total Debt | $14.64M | $177.19M |
| Net Cash (Debt) | $67.89M | $164.40M |
| Net Cash Per Share | $3.79 | $8.13 |
| Equity (Book Value) | $346.14M | $563.88M |
| Book Value Per Share | $19.30 | $28.47 |
| Tangible Book Value | $272.88M | $475.36M |
Financial position
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Debt / Equity | 0.04 | 0.20 |
| Debt / FCF | 0.33 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Operating Cash Flow | $45.99M | $61.52M |
| Capital Expenditures | -$1.22M | -$4.08M |
| Free Cash Flow | $44.77M | $52.15M |
| FCF Per Share | $2.50 | $3.05 |
Efficiency
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $309.79K | $353.78K |
| Profits Per Employee | $55.10K | $107.28K |
| Employee Count | 460 | 489 |
Dividends and yields
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Earnings Yield | 5.57% | 8.13% |
| FCF Yield | 9.83% | 8.91% |
| Payout Ratio | 69.5% | 29.3% |
| FCF Payout Ratio | 39.3% | 26.0% |
Shares
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Shares Outstanding | 17,934,900 | 18,839,100 |
| Shares Change (YoY) | 12.0% | 0.40% |
| Shares Change (QoQ) | 0.18% | 0.00% |
| Float | 17,061,900 | 17,061,900 |
| Shares Held by Insiders | 4.87% | 5.89% |
| Shares Held by Institutions | 33.3% | 61.9% |
Taxes
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Income Tax | $5.82M | $14.50M |
| Effective Tax Rate | 18.7% | 21.1% |
Scores
| Measure | Citizens & Northern | Industry median |
|---|---|---|
| Graham Number | $25.35 | $45.31 |
| Graham Upside | -0.15% | 21.9% |
| Altman Z-Score | 0.22 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Citizens & Northern's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.