CZNC
Citizens & Northern Corporation
Price Chart
Latest Quote
$21.73
+0.16 (+0.74%)
Current Price
| Previous Close | $21.57 |
| Open | $21.80 |
| Day High | $22.20 |
| Day Low | $21.52 |
| Volume | 90,420 |
Stock Information
| Quarterly Dividend / Yield | $1.12 / 5.16% |
| Shares Outstanding | 17.92M |
| Quarterly Dividend Yield | 5.16% |
| Quarterly Dividend | $1.12 |
| Total Debt | $194.23M |
| Cash Equivalents | $55.98M |
| Revenue | $112.93M |
| Net Income | $17.28M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $389.33M |
| P/E Ratio | 20.31 |
| EPS (TTM) | $1.07 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $527.58M |
| Sales | $112.93M |
| Income | $17.28M |
| Book/sh | $18.74 |
| Cash/sh | $3.12 |
| Employees | 460 |
Financial Ratios
| EPS Growth TTM | -95.70% |
Returns & Margins
| ROA | 0.60% |
| ROE | 5.64% |
| Operating Margin | 1.45% |
| Profit Margin | 15.41% |
Ownership
| Insider Ownership | 4.15% |
| Institutional Ownership | 31.90% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.05 |
| PEG | 1.21 |
| P/S | 3.45 |
| P/B | 1.16 |
Analyst Data
| Recommendation | none |
| Target Price | $24.00 |
Technical Indicators
| SMA20 | $21.32 |
| SMA50 | $21.83 |
| SMA200 | $20.79 |
| RSI | 57.85 |
| ATR | 0.5479 |
| Shares Float | 17.00M |
| Short Float | 1.59% |
| Short Ratio | 5.97 |
| Volatility | 0.42 |
| Rel Volume | 1.87 |
Performance History
| Week | -0.69% |
| Month | +5.95% |
| Quarter | +1.35% |
| 6 Months | +1.36% |
| YTD | +11.56% |
| Year | +25.64% |
| 3 Years | +23.84% |
| 5 Years | +13.00% |
| 10 Years | +74.01% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $21.73 | 95,800 |
| 2026-06-17 | $21.57 | 64,600 |
| 2026-06-16 | $21.87 | 63,600 |
| 2026-06-15 | $21.49 | 63,000 |
| 2026-06-12 | $22.06 | 37,500 |
| 2026-06-11 | $21.88 | 36,100 |
| 2026-06-10 | $21.93 | 86,600 |
| 2026-06-09 | $21.63 | 45,500 |
| 2026-06-08 | $21.32 | 38,600 |
| 2026-06-05 | $21.35 | 55,000 |
| 2026-06-04 | $20.90 | 25,900 |
| 2026-06-03 | $20.37 | 42,300 |
| 2026-06-02 | $20.86 | 29,300 |
| 2026-06-01 | $20.70 | 37,300 |
| 2026-05-29 | $21.06 | 102,400 |
| 2026-05-28 | $21.16 | 31,800 |
| 2026-05-27 | $21.15 | 41,900 |
| 2026-05-26 | $21.12 | 48,300 |
| 2026-05-22 | $21.07 | 40,600 |
| 2026-05-21 | $21.19 | 40,300 |
| 2026-05-20 | $21.00 | 44,700 |
| 2026-05-19 | $20.51 | 80,500 |
About Citizens & Northern Corporation
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.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $120,842,000 | $106,506,000 | $103,135,000 | $105,959,000 |
| Operating Revenue | $120,842,000 | $106,506,000 | $103,135,000 | $105,959,000 |
| Expenses | ||||
| Interest Expense | $47,364,000 | $48,963,000 | $33,104,000 | $9,519,000 |
| General And Administrative Expense | $47,386,000 | $44,930,000 | $44,195,000 | $41,833,000 |
| Professional Expense And Contract Services Expense | $2,759,000 | $2,175,000 | $2,497,000 | $2,005,000 |
| Other Non Interest Expense | $22,181,000 | $19,862,000 | $20,417,000 | $16,983,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Net Interest Income | $91,853,000 | $79,115,000 | $80,400,000 | $83,128,000 |
| Interest Income | $139,217,000 | $128,078,000 | $113,504,000 | $92,647,000 |
| Normalized Income | $29,921,096 | $25,958,000 | $24,148,000 | $26,618,000 |
| Net Income From Continuing And Discontinued Operation | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Net Income Common Stockholders | $23,245,000 | $25,747,000 | $23,962,000 | $26,381,000 |
| Net Income | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Net Income Including Noncontrolling Interests | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Net Income Continuous Operations | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Pretax Income | $28,643,000 | $31,871,000 | $30,483,000 | $32,350,000 |
| Special Income Charges | $-7,940,000 | $0 | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $1.46 | $1.69 | $1.57 | $1.71 |
| Basic EPS | $1.46 | $1.69 | $1.57 | $1.71 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,445,904 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-7,940,000 | $0 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $-7,940,000 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,363,000 | $2,183,000 | $2,151,000 | $2,389,000 |
| Diluted Average Shares | $15,949,789 | $15,262,504 | $15,241,859 | $15,458,531 |
| Basic Average Shares | $15,949,789 | $15,262,504 | $15,241,859 | $15,455,432 |
| Diluted NI Availto Com Stockholders | $23,245,000 | $25,747,000 | $23,962,000 | $26,381,000 |
| Otherunder Preferred Stock Dividend | $182,000 | $211,000 | $186,000 | $237,000 |
| Tax Provision | $5,216,000 | $5,913,000 | $6,335,000 | $5,732,000 |
| Restructuring And Mergern Acquisition | $7,940,000 | $0 | $0 | $0 |
| Gain On Sale Of Security | $38,000 | $0 | $-3,036,000 | $20,000 |
| Selling General And Administration | $47,386,000 | $44,930,000 | $44,195,000 | $41,833,000 |
| Salaries And Wages | $47,386,000 | $44,930,000 | $44,195,000 | $41,833,000 |
| Occupancy And Equipment | $5,860,000 | $5,473,000 | $5,357,000 | $5,533,000 |
| Other Gand A | - | - | - | $6,806,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $266,830,000 | $220,699,000 | $207,407,000 | $193,943,000 |
| Total Assets | $3,132,469,000 | $2,610,653,000 | $2,515,584,000 | $2,454,307,000 |
| Goodwill And Other Intangible Assets | $74,884,000 | $54,585,000 | $54,974,000 | $55,382,000 |
| Other Intangible Assets | $11,573,000 | $2,080,000 | $2,469,000 | $2,877,000 |
| Receivables | $11,594,000 | $8,735,000 | $9,140,000 | $8,653,000 |
| Accounts Receivable | $11,594,000 | $8,735,000 | $9,140,000 | $8,653,000 |
| Cash And Cash Equivalents | $46,056,000 | $126,174,000 | $56,878,000 | $55,048,000 |
| Cash Cash Equivalents And Federal Funds Sold | $46,056,000 | $126,174,000 | $56,878,000 | $55,048,000 |
| Debt | ||||
| Net Debt | $141,798,000 | $79,007,000 | $152,507,000 | $123,671,000 |
| Total Debt | $187,854,000 | $205,181,000 | $209,385,000 | $178,719,000 |
| Long Term Debt And Capital Lease Obligation | $160,854,000 | $205,181,000 | $177,885,000 | $62,603,000 |
| Long Term Debt | $160,854,000 | $205,181,000 | $177,885,000 | $62,603,000 |
| Current Debt And Capital Lease Obligation | $27,000,000 | $0 | $31,500,000 | $116,116,000 |
| Current Debt | $27,000,000 | $0 | $31,500,000 | $116,116,000 |
| Other Current Borrowings | $27,000,000 | $0 | $31,500,000 | $116,116,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,790,755,000 | $2,335,369,000 | $2,253,203,000 | $2,204,982,000 |
| Payables And Accrued Expenses | - | - | - | $25,608,000 |
| Payables | - | - | - | $25,608,000 |
| Accounts Payable | - | - | - | $25,608,000 |
| Equity | ||||
| Common Stock Equity | $341,714,000 | $275,284,000 | $262,381,000 | $249,325,000 |
| Total Equity Gross Minority Interest | $341,714,000 | $275,284,000 | $262,381,000 | $249,325,000 |
| Stockholders Equity | $341,714,000 | $275,284,000 | $262,381,000 | $249,325,000 |
| Gains Losses Not Affecting Retained Earnings | $-22,795,000 | $-36,761,000 | $-38,437,000 | $-49,878,000 |
| Retained Earnings | $171,214,000 | $165,778,000 | $157,028,000 | $151,743,000 |
| Other | ||||
| Treasury Shares Number | $479,676 | $596,678 | $735,037 | $511,353 |
| Ordinary Shares Number | $17,823,444 | $15,433,494 | $15,295,135 | $15,518,819 |
| Share Issued | $18,303,120 | $16,030,172 | $16,030,172 | $16,030,172 |
| Tangible Book Value | $266,830,000 | $220,699,000 | $207,407,000 | $193,943,000 |
| Invested Capital | $529,568,000 | $480,465,000 | $471,766,000 | $428,044,000 |
| Total Capitalization | $502,568,000 | $480,465,000 | $440,266,000 | $311,928,000 |
| Treasury Stock | $10,704,000 | $13,328,000 | $16,628,000 | $12,520,000 |
| Additional Paid In Capital | $185,696,000 | $143,565,000 | $144,388,000 | $143,950,000 |
| Capital Stock | $18,303,000 | $16,030,000 | $16,030,000 | $16,030,000 |
| Common Stock | $18,303,000 | $16,030,000 | $16,030,000 | $16,030,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $291,323,000 | $211,431,000 | $415,755,000 | $498,033,000 |
| Goodwill | $63,311,000 | $52,505,000 | $52,505,000 | $52,505,000 |
| Net PPE | $27,755,000 | $21,338,000 | $21,632,000 | $21,574,000 |
| Accumulated Depreciation | $-32,264,000 | $-30,310,000 | $-29,755,000 | $-30,799,000 |
| Gross PPE | $60,019,000 | $51,648,000 | $51,387,000 | $52,373,000 |
| Construction In Progress | $76,000 | $186,000 | $614,000 | $1,532,000 |
| Machinery Furniture Equipment | $15,413,000 | $14,266,000 | $14,618,000 | $14,886,000 |
| Buildings And Improvements | $38,895,000 | $33,623,000 | $32,582,000 | $32,332,000 |
| Land And Improvements | $5,635,000 | $3,573,000 | $3,573,000 | $3,623,000 |
| Other Short Term Investments | $291,323,000 | $211,431,000 | $415,755,000 | $498,033,000 |
| Available For Sale Securities | - | $179,945,000 | - | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $30,098,000 | $31,129,000 | $31,283,000 | $31,311,000 |
| Operating Activities | ||||
| Operating Cash Flow | $32,003,000 | $33,035,000 | $33,548,000 | $34,599,000 |
| Cash Flow From Continuing Operating Activities | $32,003,000 | $33,035,000 | $33,548,000 | $34,599,000 |
| Operating Gains Losses | $-1,521,000 | $-1,158,000 | $2,313,000 | $-777,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,905,000 | $-1,906,000 | $-2,265,000 | $-3,288,000 |
| Investing Cash Flow | $196,000 | $-20,938,000 | $-53,202,000 | $-234,688,000 |
| Cash Flow From Continuing Investing Activities | $196,000 | $-20,938,000 | $-53,202,000 | $-234,688,000 |
| Net Other Investing Changes | $887,000 | $14,765,000 | $-36,559,000 | $-4,005,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-218,000 | $-629,000 | $-6,784,000 | $-9,349,000 |
| Financing Cash Flow | $-111,067,000 | $58,699,000 | $24,734,000 | $151,939,000 |
| Cash Flow From Continuing Financing Activities | $-111,067,000 | $58,699,000 | $24,734,000 | $151,939,000 |
| Cash Dividends Paid | $-16,293,000 | $-15,530,000 | $-15,569,000 | $-15,865,000 |
| Common Stock Dividend Paid | $-16,293,000 | $-15,530,000 | $-15,569,000 | $-15,865,000 |
| Net Common Stock Issuance | $-218,000 | $-629,000 | $-6,784,000 | $-9,189,000 |
| Issuance Of Capital Stock | - | $0 | $0 | $160,000 |
| Common Stock Issuance | - | $0 | $0 | $160,000 |
| Other | ||||
| Repayment Of Debt | $-64,186,000 | $-63,635,000 | $-55,583,000 | $-23,955,000 |
| Issuance Of Debt | $0 | $59,386,000 | $85,436,000 | $50,000,000 |
| Interest Paid Supplemental Data | $49,049,000 | $48,563,000 | $31,936,000 | $9,497,000 |
| Income Tax Paid Supplemental Data | $8,795,000 | $4,839,000 | $6,383,000 | $5,561,000 |
| End Cash Position | $44,706,000 | $123,574,000 | $52,778,000 | $47,698,000 |
| Beginning Cash Position | $123,574,000 | $52,778,000 | $47,698,000 | $95,848,000 |
| Changes In Cash | $-78,868,000 | $70,796,000 | $5,080,000 | $-48,150,000 |
| Common Stock Payments | $-218,000 | $-629,000 | $-6,784,000 | $-9,349,000 |
| Net Issuance Payments Of Debt | $-64,186,000 | $-4,249,000 | $29,853,000 | $104,304,000 |
| Net Short Term Debt Issuance | $-19,670,000 | $-31,386,000 | $-46,188,000 | $78,259,000 |
| Short Term Debt Payments | $-19,670,000 | $-31,386,000 | $-46,188,000 | - |
| Net Long Term Debt Issuance | $-44,516,000 | $27,137,000 | $76,041,000 | $26,045,000 |
| Long Term Debt Payments | $-44,516,000 | $-32,249,000 | $-9,395,000 | $-23,955,000 |
| Long Term Debt Issuance | $0 | $59,386,000 | $85,436,000 | $50,000,000 |
| Net Investment Purchase And Sale | $59,938,000 | $13,400,000 | $89,728,000 | $-50,942,000 |
| Sale Of Investment | $193,975,000 | $39,188,000 | $113,142,000 | $62,773,000 |
| Purchase Of Investment | $-134,037,000 | $-25,788,000 | $-23,414,000 | $-113,715,000 |
| Net Business Purchase And Sale | $5,826,000 | $0 | $0 | $0 |
| Sale Of Business | $5,826,000 | $0 | $0 | $0 |
| Net PPE Purchase And Sale | $-1,905,000 | $-1,906,000 | $-2,265,000 | $-3,288,000 |
| Purchase Of PPE | $-1,905,000 | $-1,906,000 | $-2,265,000 | $-3,288,000 |
| Change In Working Capital | $-5,724,000 | $3,312,000 | $258,000 | $-4,666,000 |
| Change In Other Working Capital | $-1,927,000 | $-1,830,000 | $-2,703,000 | $-545,000 |
| Change In Other Current Assets | $258,000 | $164,000 | $200,000 | $-126,000 |
| Change In Payables And Accrued Expense | $-3,300,000 | $7,992,000 | $4,161,000 | $-589,000 |
| Change In Payable | $-3,300,000 | $7,992,000 | $4,161,000 | $-589,000 |
| Change In Account Payable | $-3,300,000 | $7,992,000 | $4,161,000 | $-589,000 |
| Change In Receivables | $-755,000 | $-3,014,000 | $-1,400,000 | $-3,532,000 |
| Changes In Account Receivables | $-755,000 | $-3,014,000 | $-1,400,000 | $-3,532,000 |
| Other Non Cash Items | $2,000,000 | $-1,090,000 | $122,000 | $160,000 |
| Stock Based Compensation | $1,287,000 | $1,494,000 | $1,472,000 | $1,260,000 |
| Amortization Of Securities | $1,380,000 | $1,645,000 | $2,062,000 | $2,760,000 |
| Deferred Tax | $2,718,000 | $-1,504,000 | $836,000 | $-400,000 |
| Deferred Income Tax | $2,718,000 | $-1,504,000 | $836,000 | $-400,000 |
| Depreciation Amortization Depletion | $2,363,000 | $2,183,000 | $2,151,000 | $2,389,000 |
| Depreciation And Amortization | $2,363,000 | $2,183,000 | $2,151,000 | $2,389,000 |
| Depreciation | $2,363,000 | $2,183,000 | $2,151,000 | $2,389,000 |
| Gain Loss On Investment Securities | $-38,000 | $0 | $3,036,000 | $-20,000 |
| Net Income From Continuing Operations | $23,427,000 | $25,958,000 | $24,148,000 | $26,618,000 |
| Sale Of PPE | - | - | $0 | $0 |
| Short Term Debt Issuance | - | - | - | $78,259,000 |
Fetched: 2026-06-17