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Financial Services - Banks - Regional - NASDAQ - US
$ 19.048
-1.34 %
$ 295 M
Market Cap
10.75
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CZNC stock under the worst case scenario is HIDDEN Compared to the current market price of 19 USD, Citizens & Northern Corporation is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CZNC stock under the base case scenario is HIDDEN Compared to the current market price of 19 USD, Citizens & Northern Corporation is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CZNC stock under the best case scenario is HIDDEN Compared to the current market price of 19 USD, Citizens & Northern Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CZNC

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$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.515 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
107 M REVENUE
1.79%
31.9 M OPERATING INCOME
-29.18%
26 M NET INCOME
7.50%
33 M OPERATING CASH FLOW
-1.53%
-20.9 M INVESTING CASH FLOW
60.64%
58.7 M FINANCING CASH FLOW
137.32%
38.7 M REVENUE
39.91%
7.7 M OPERATING INCOME
-27.40%
8.17 M NET INCOME
26.71%
12.1 M OPERATING CASH FLOW
108.12%
-5.92 M INVESTING CASH FLOW
-25.92%
-63.9 M FINANCING CASH FLOW
-113.87%
Balance Sheet Citizens & Northern Corporation
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Current Assets 476 M
Cash & Short-Term Investments 476 M
Receivables 8.74 M
Other Current Assets -8.74 M
Non-Current Assets 76.5 M
Long-Term Investments 171 M
PP&E 21.3 M
Other Non-Current Assets -116 M
86.14 %31.03 %3.86 %Total Assets$552.2m
Current Liabilities 836 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 836 M
Non-Current Liabilities 205 M
Long-Term Debt 205 M
Other Non-Current Liabilities 0
80.29 %19.71 %Total Liabilities$1.0b
EFFICIENCY
Earnings Waterfall Citizens & Northern Corporation
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Revenue 107 M
Cost Of Revenue 0
Gross Profit 107 M
Operating Expenses 2.18 M
Operating Income 31.9 M
Other Expenses 5.91 M
Net Income 26 M
120m120m100m100m80m80m60m60m40m40m20m20m00107m0107m(2m)32m(6m)26mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
29.92% OPERATING MARGIN
29.92%
24.37% NET MARGIN
24.37%
9.43% ROE
9.43%
0.99% ROA
0.99%
-9.15% ROIC
-9.15%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Citizens & Northern Corporation
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35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 26 M
Depreciation & Amortization 2.18 M
Capital Expenditures 0
Stock-Based Compensation 1.49 M
Change in Working Capital 0
Others 4.9 M
Free Cash Flow 31.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Citizens & Northern Corporation
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CZNC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.39% DIVIDEND YIELD
0.28 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.260.260.260.270.370.270.270.280.280.280.280.260.260.260.270.270.270.280.280.280.280.280.260.260.260.270.270.270.280.280.280.280.261.040.261.040.261.040.271.080.271.180.271.080.281.110.281.120.281.120.281.120.562015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Citizens & Northern Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
79.2 USD 1
9-12 MONTHS
0 USD 0
Bought
47.5 K USD 3
0-3 MONTHS
19 K USD 2
3-6 MONTHS
11.8 K USD 2
6-9 MONTHS
43.3 K USD 3
9-12 MONTHS
7. News
KBRA Comments on Citizens & Northern Corporation's Proposed Acquisition of Susquehanna Community Financial, Inc. NEW YORK--(BUSINESS WIRE)-- #creditratingagency--On April 23, 2025, Wellsboro, PA-based Citizens & Northern Corporation (NASDAQ: CZNC) ("C&N"), parent company of Citizens & Northern Bank, and West Milton, PA-based Susquehanna Community Financial, Inc. (OTCPK: SQCF) ("Suequehanna Community"), parent company of Susquehanna Community Bank, jointly announced that they had entered into a definitive agreement pursuant to which Susquehanna Community Financial, Inc. would merge with and into Citizens & North. businesswire.com - 3 weeks ago
Citizens & Northern (CZNC) Lags Q1 Earnings and Revenue Estimates Citizens & Northern (CZNC) came out with quarterly earnings of $0.41 per share, missing the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.35 per share a year ago. zacks.com - 3 weeks ago
Best Value Stocks to Buy for January 29th RITM, SRCE and CZNC made it to the Zacks Rank #1 (Strong Buy) value stocks list on January 29, 2024. zacks.com - 3 months ago
Citizens & Northern (CZNC) Surpasses Q4 Earnings and Revenue Estimates Citizens & Northern (CZNC) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.28 per share a year ago. zacks.com - 3 months ago
Is the Options Market Predicting a Spike in Citizens & Northern (CZNC) Stock? Investors need to pay close attention to Citizens & Northern (CZNC) stock based on the movements in the options market lately. zacks.com - 6 months ago
C&N Boosts Efficiency for Businesses with Clover® WELLSBORO, Pa. , Oct. 25, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) – C&N has partnered with Clover®, a leader in point of sale (POS) technology aimed at providing local businesses with powerful, integrated POS solutions. prnewswire.com - 6 months ago
C&N Teammates are "Standing Strong Against Cancer" WELLSBORO, Pa. , Oct. 18, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) - C&N's Giving Back, Giving Together program is making a difference again this year with its Standing Strong Against Cancer initiative. prnewswire.com - 7 months ago
Citizens & Northern (CZNC) Q3 Earnings and Revenues Lag Estimates Citizens & Northern (CZNC) came out with quarterly earnings of $0.41 per share, missing the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 7 months ago
How to Protect Your Money in a Digital World WELLSBORO, Pa. , July 22, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) -- In today's digital age, protecting yourself online is paramount. prnewswire.com - 9 months ago
Citizens & Northern (CZNC) Surges 6.3%: Is This an Indication of Further Gains? Citizens & Northern (CZNC) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock suggests that there could be more strength down the road. zacks.com - 10 months ago
C&N Teams Raise Over $98,000 for Local Senior Citizens WELLSBORO, Pa. , June 21, 2024 /PRNewswire/ -- (Citizens & Northern Corporation, NASDAQ: CZNC) – C&N, a leading community-oriented financial services institution, is proud to announce the results of its 2023 Giving Back, Giving Together program. prnewswire.com - 10 months ago
Citizens & Northern (CZNC) Q4 Earnings and Revenues Lag Estimates Citizens & Northern (CZNC) came out with quarterly earnings of $0.28 per share, missing the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 1 year ago
8. Profile Summary

Citizens & Northern Corporation CZNC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 295 M
Dividend Yield 1.39%
Description Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
Contact 90-92 Main Street, Wellsboro, PA, 16901 https://www.cnbankpa.com
IPO Date April 5, 1994
Employees 386
Officers Mr. Ryan Satalin Senior Vice President & Regional Commercial Lending Executive Mr. Mark A. Hughes Treasurer Peter Miklos Executive Vice President & Regional Executive in the Lancaster & York Markets Mr. Glenn Richard James Esq. Corporate Secretary Mr. J. Bradley Scovill President, Chief Executive Officer & Director Ms. Shelley L. D'Haene Executive Vice President and Chief Digital Channels & Payments Officer Ms. Kelley A. Cwiklinski Executive Vice President & Chief Commercial Lending Officer Mr. Philip Prough CFP, CIMA Senior Vice President & Chief Investment Strategist