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CITIZENS & NORTHERN CORP CZNC

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27

CITIZENS & NORTHERN CORP statistics & valuation

Market cap$420.9M
P / E18.0×
P / B1.2×
P / FCF14.0×
Dividend yield3.87%
Return on equity6.9%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.50% 7.10% 11.20% 8.00% 6.40% 10.10% 10.70% 9.20% 9.40% 6.90% 2016201720182019202020212022202320242025
Shares outstanding
12.1M 12.2M 12.3M 13.7M 15.9M 15.8M 15.5M 15.3M 15.4M 17.8M 2016201720182019202020212022202320242025
Net debt ($)
$9.8M -$31.1M -$1.6M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.30% 1.10% 1.70% 1.20% 0.90% 1.30% 1.10% 1.00% 1.00% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.21× 0.05× 0.18× 2016201720182019202020212022202320242025
EPS ($)
$1.30 $1.10 $1.79 $1.46 $1.30 $1.92 $1.71 $1.57 $1.69 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CITIZENS & NORTHERN CORP trades at about 15.4× earnings — near its 10-year norm (10-year range 12.6×–21.6×, median 14.7×).

12.6× 21.6×

Shaded band = 10-year range (12.6×–21.6×); dot = today's 15.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.7%1.0%1.0%1.1%1.3%0.9%1.2%1.7%1.1%1.3%
Return on equity6.9%9.4%9.2%10.7%10.1%6.4%8.0%11.2%7.1%8.5%
Debt / equity———————0.18×0.05×0.21×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.