Stocktoria
CITIZENS & NORTHERN CORP CZNC
CITIZENS & NORTHERN CORP (CZNC) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 3.87% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CZNC | CITIZENS & NORTHERN CORP | 3/9 | — | 18 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About CITIZENS & NORTHERN CORP
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. The company's 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. It 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. The company 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.
FAQ
Is CZNC financially healthy?
CITIZENS & NORTHERN CORP's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does CZNC pay a dividend, and is it safe?
Yes. CITIZENS & NORTHERN CORP pays a dividend yielding about 3.87% with a 69.5% payout ratio, rated “stretched” for safety.
How profitable is CZNC?
In FY2025, CITIZENS & NORTHERN CORP had a return on equity of 6.9%.
Is CZNC overvalued or undervalued?
CITIZENS & NORTHERN CORP trades at about 15.4× trailing earnings — near its 10-year norm (10-year range 12.6×–21.6×, median 14.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CZNC?
The average Wall-Street price target for CITIZENS & NORTHERN CORP is $24.00, about 7.5% below the recent price, from 1 analysts.
Is CZNC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CITIZENS & NORTHERN CORP: a Piotroski F-score of 3/9, a P/E of about 18.0×, a dividend yield of 3.87%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.