_id
691058caccc777a4e85d5714
Ticker
CZNC
Name
Citizens & Northern Corp
Exchange
NASDAQ
Address
90-92 Main Street, Wellsboro, PA, United States, 16901
Country
USA
Sector
Financial Services
Industry
Banks - Regional
Currency
USD
Website
https://www.cnbankpa.com
Description
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. Its 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. The company 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. It 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.
Last Close
21.51
Volume
16440
Current Price
21.67
Change
0.743840074384008
Last Updated
2025-11-29T12:06:21.930Z
Image
data:image/webp;base64,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
Ipo Date
1996-05-30T00:00:00.000Z
Market Cap
358942752
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
0.9977083333333333
Sentiment Sources
24
Rating
3
Target Price
22
Strong Buy
0
Buy
0
Hold
2
Sell
0
Strong Sell
0
Current Quarter
2025-09-30
Revenue
40425000
Cost Of Revenue
13550000
Gross Profit
26875000
Operating Expenses
18860000
Operating Income
8015000
Interest Expense
11387000
Pretax Income
8015000
Net Income
6551000
Eps
0.42617185713543165
Dividends Per Share
3907000
Shares Outstanding
17801873
Income Tax Expense
1464000
EBITDA
8576000
Operating Margin
19.826839826839826
Total Other Income Expense Net
23418000
Cash
123090000
Short Term Investments
210119000
Receivables
9656000
Inventories
-
Total Current Assets
342865000
Property Plant Equipment
21055000
Total Assets
2664033000
Payables
-
Short Term Debt
1489000
Long Term Debt
172765000
Total Liabilities
2370074000
Equity
293959000
Depreciation
561000
Change In Working Capital
53000
Cash From Operations
11328000
Capital Expenditures
426000
Cash From Investing
-29115000
Cash From Financing
42008000
Net Change In Cash
24221000
PE
11.52
PB
1.1331697757510402
ROE
2.2285420755955765
ROA
0.24590536228342516
FCF
10902000
Fcf Percent
0.26968460111317255
Piotroski FScore
4
Health Score
53
Deep Value Investing Score
7.5
Defensive Investing Score
4.5
Dividend Investing Score
3.5
Economic Moat Investing Score
7.8
Garp Investing Score
4
Growth Investing Score
3.5
Momentum Investing Score
5
Net Net Investing Score
3
Quality Investing Score
4.5
Value Investing Score
7
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
40425000
Quarters > 0 > income Statement > cost Of Revenue
13550000
Quarters > 0 > income Statement > gross Profit
26875000
Quarters > 0 > income Statement > operating Expenses
18860000
Quarters > 0 > income Statement > operating Income
8015000
Quarters > 0 > income Statement > interest Expense
11387000
Quarters > 0 > income Statement > pretax Income
8015000
Quarters > 0 > income Statement > net Income
6551000
Quarters > 0 > income Statement > eps
0.42617185713543165
Quarters > 0 > income Statement > dividends Per Share
3907000
Quarters > 0 > income Statement > shares Outstanding
15371733
Quarters > 0 > income Statement > income Tax Expense
1464000
Quarters > 0 > income Statement > EBITDA
8576000
Quarters > 0 > income Statement > operating Margin
19.826839826839826
Quarters > 0 > income Statement > total Other Income Expense Net
23418000
Quarters > 0 > balance Sheet > cash
123090000
Quarters > 0 > balance Sheet > short Term Investments
210119000
Quarters > 0 > balance Sheet > receivables
9656000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
342865000
Quarters > 0 > balance Sheet > property Plant Equipment
21055000
Quarters > 0 > balance Sheet > total Assets
2664033000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
1489000
Quarters > 0 > balance Sheet > long Term Debt
172765000
Quarters > 0 > balance Sheet > total Liabilities
2370074000
Quarters > 0 > balance Sheet > equity
293959000
Quarters > 0 > cash Flow > net Income
6551000
Quarters > 0 > cash Flow > depreciation
561000
Quarters > 0 > cash Flow > change In Working Capital
53000
Quarters > 0 > cash Flow > cash From Operations
11328000
Quarters > 0 > cash Flow > capital Expenditures
426000
Quarters > 0 > cash Flow > cash From Investing
-29115000
Quarters > 0 > cash Flow > cash From Financing
42008000
Quarters > 0 > cash Flow > net Change In Cash
24221000
Quarters > 0 > ratios > PE
0.42617185713543165
Quarters > 0 > ratios > PB
1.1331697757510402
Quarters > 0 > ratios > ROE
2.2285420755955765
Quarters > 0 > ratios > ROA
0.24590536228342516
Quarters > 0 > ratios > FCF
10902000
Quarters > 0 > ratios > Piotroski FScore
4
Quarters > 0 > ratios > fcf Percent
0.26968460111317255
Quarters > 0 > health Score
53
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
40193000
Quarters > 1 > income Statement > cost Of Revenue
13666000
Quarters > 1 > income Statement > gross Profit
26527000
Quarters > 1 > income Statement > operating Expenses
18995000
Quarters > 1 > income Statement > operating Income
7532000
Quarters > 1 > income Statement > interest Expense
11312000
Quarters > 1 > income Statement > pretax Income
7532000
Quarters > 1 > income Statement > net Income
6117000
Quarters > 1 > income Statement > eps
0.39826801269144796
Quarters > 1 > income Statement > dividends Per Share
3907000
Quarters > 1 > income Statement > shares Outstanding
15359004
Quarters > 1 > income Statement > income Tax Expense
1415000
Quarters > 1 > income Statement > EBITDA
8094000
Quarters > 1 > income Statement > operating Margin
18.739581519170002
Quarters > 1 > income Statement > total Other Income Expense Net
-167000
Quarters > 1 > balance Sheet > cash
99619000
Quarters > 1 > balance Sheet > short Term Investments
243646000
Quarters > 1 > balance Sheet > receivables
8719000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
351984000
Quarters > 1 > balance Sheet > property Plant Equipment
21195000
Quarters > 1 > balance Sheet > total Assets
2610875000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
533000
Quarters > 1 > balance Sheet > long Term Debt
183717000
Quarters > 1 > balance Sheet > total Liabilities
2324518000
Quarters > 1 > balance Sheet > equity
286357000
Quarters > 1 > cash Flow > net Income
6117000
Quarters > 1 > cash Flow > depreciation
562000
Quarters > 1 > cash Flow > change In Working Capital
2050000
Quarters > 1 > cash Flow > cash From Operations
8513000
Quarters > 1 > cash Flow > capital Expenditures
485000
Quarters > 1 > cash Flow > cash From Investing
-16543000
Quarters > 1 > cash Flow > cash From Financing
-6839000
Quarters > 1 > cash Flow > net Change In Cash
-14869000
Quarters > 1 > ratios > PE
0.39826801269144796
Quarters > 1 > ratios > PB
1.1622890890741278
Quarters > 1 > ratios > ROE
2.136144742401967
Quarters > 1 > ratios > ROA
0.2342892708383205
Quarters > 1 > ratios > FCF
8028000
Quarters > 1 > ratios > Piotroski FScore
4
Quarters > 1 > ratios > fcf Percent
0.19973627248525863
Quarters > 1 > health Score
53
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
38330000
Quarters > 2 > income Statement > cost Of Revenue
11970000
Quarters > 2 > income Statement > gross Profit
26360000
Quarters > 2 > income Statement > operating Expenses
18656000
Quarters > 2 > income Statement > operating Income
7704000
Quarters > 2 > income Statement > interest Expense
11734000
Quarters > 2 > income Statement > pretax Income
7704000
Quarters > 2 > income Statement > net Income
6293000
Quarters > 2 > income Statement > eps
0.4102739427736631
Quarters > 2 > income Statement > dividends Per Share
3932000
Quarters > 2 > income Statement > shares Outstanding
15338532
Quarters > 2 > income Statement > income Tax Expense
1411000
Quarters > 2 > income Statement > EBITDA
8257000
Quarters > 2 > income Statement > operating Margin
20.09913905557005
Quarters > 2 > income Statement > total Other Income Expense Net
-
Quarters > 2 > balance Sheet > cash
114738000
Quarters > 2 > balance Sheet > short Term Investments
408463000
Quarters > 2 > balance Sheet > receivables
9281000
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
532482000
Quarters > 2 > balance Sheet > property Plant Equipment
21304000
Quarters > 2 > balance Sheet > total Assets
2609228000
Quarters > 2 > balance Sheet > payables
-
Quarters > 2 > balance Sheet > short Term Debt
571000
Quarters > 2 > balance Sheet > long Term Debt
194200000
Quarters > 2 > balance Sheet > total Liabilities
2327397000
Quarters > 2 > balance Sheet > equity
281831000
Quarters > 2 > cash Flow > net Income
6293000
Quarters > 2 > cash Flow > depreciation
553000
Quarters > 2 > cash Flow > change In Working Capital
-7907000
Quarters > 2 > cash Flow > cash From Operations
1583000
Quarters > 2 > cash Flow > capital Expenditures
542000
Quarters > 2 > cash Flow > cash From Investing
-4166000
Quarters > 2 > cash Flow > cash From Financing
-8853000
Quarters > 2 > cash Flow > net Change In Cash
-11436000
Quarters > 2 > ratios > PE
0.4102739427736631
Quarters > 2 > ratios > PB
1.1793805097381056
Quarters > 2 > ratios > ROE
2.2328984391355102
Quarters > 2 > ratios > ROA
0.24118244936816563
Quarters > 2 > ratios > FCF
1041000
Quarters > 2 > ratios > Piotroski FScore
3
Quarters > 2 > ratios > fcf Percent
0.027158883381163578
Quarters > 2 > health Score
35
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
40528000
Quarters > 3 > income Statement > cost Of Revenue
12325000
Quarters > 3 > income Statement > gross Profit
28203000
Quarters > 3 > income Statement > operating Expenses
18082000
Quarters > 3 > income Statement > operating Income
10121000
Quarters > 3 > income Statement > interest Expense
12856000
Quarters > 3 > income Statement > pretax Income
10121000
Quarters > 3 > income Statement > net Income
8174000
Quarters > 3 > income Statement > eps
0.5296273157588295
Quarters > 3 > income Statement > dividends Per Share
3894000
Quarters > 3 > income Statement > shares Outstanding
15433494
Quarters > 3 > income Statement > income Tax Expense
1947000
Quarters > 3 > income Statement > EBITDA
10672000
Quarters > 3 > income Statement > operating Margin
24.972858270825107
Quarters > 3 > income Statement > total Other Income Expense Net
-490000
Quarters > 3 > balance Sheet > cash
126174000
Quarters > 3 > balance Sheet > short Term Investments
222435000
Quarters > 3 > balance Sheet > receivables
8735000
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
357344000
Quarters > 3 > balance Sheet > property Plant Equipment
21338000
Quarters > 3 > balance Sheet > total Assets
2610653000
Quarters > 3 > balance Sheet > payables
-
Quarters > 3 > balance Sheet > short Term Debt
2488000
Quarters > 3 > balance Sheet > long Term Debt
205181000
Quarters > 3 > balance Sheet > total Liabilities
2335369000
Quarters > 3 > balance Sheet > equity
275284000
Quarters > 3 > cash Flow > net Income
8174000
Quarters > 3 > cash Flow > depreciation
551000
Quarters > 3 > cash Flow > change In Working Capital
2204000
Quarters > 3 > cash Flow > cash From Operations
12075000
Quarters > 3 > cash Flow > capital Expenditures
352000
Quarters > 3 > cash Flow > cash From Investing
-5922000
Quarters > 3 > cash Flow > cash From Financing
-63942000
Quarters > 3 > cash Flow > net Change In Cash
-57789000
Quarters > 3 > ratios > PE
0.5296273157588295
Quarters > 3 > ratios > PB
1.2149046620217667
Quarters > 3 > ratios > ROE
2.969297162203397
Quarters > 3 > ratios > ROA
0.31310174121187306
Quarters > 3 > ratios > FCF
11723000
Quarters > 3 > ratios > Piotroski FScore
4
Quarters > 3 > ratios > fcf Percent
0.289256810106593
Quarters > 3 > health Score
54
Valuation > metrics > PE
11.52
Valuation > metrics > PB
1.1331697757510402
Valuation > final Score
100
Valuation > verdict
Fair
Profitability > metrics > ROE
2.2285420755955765
Profitability > metrics > ROA
1.9106645472707917
Profitability > metrics > Net Margin
0.16205318491032777
Profitability > final Score
34
Profitability > verdict
Weak
Risk > metrics > Debt Equity
8.062600566745703
Risk > metrics > Interest Coverage
0.7038728374462105
Risk > final Score
9
Risk > verdict
High
Liquidity > metrics > Current Ratio
230.26527871054398
Liquidity > metrics > Quick Ratio
230.26527871054398
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
100
Prev Valuations > 1
100
Prev Valuations > 2
100
Prev Profitabilities > 0
32
Prev Profitabilities > 1
33
Prev Profitabilities > 2
43
Prev Risks > 0
9
Prev Risks > 1
9
Prev Risks > 2
9
Prev Liquidities > 0
100
Prev Liquidities > 1
100
Prev Liquidities > 2
100
Updated At
2025-12-14T00:23:04.759Z
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. Its 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. The company 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. It 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.
Stock Price
$ 0.00
0% increase compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/ARetail Surge: Can WTFC stock sustain revenue growth - 2025 Technical Overview & AI Enhanced Trading Signals moha.gov.vn
Read more →Aug Highlights: How CLDT stock performs in interest rate cycles - Market Activity Report & Growth Focused Stock Pick Reports moha.gov.vn
Read more →Showing 2 of 10
(Last Updated 2025-09-30)
Rating:
HOLD
Target Price:
$22
Analyst Picks
Strong Buy
0
Buy
0
Hold
2
Sell
0
Strong Sell
0
Sentiment:
Bullish
(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very High
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 42.77% of the total shares of Citizens & Northern Corp
1.
BlackRock Inc(7.7416%)
since
2025/06/30
2.
Vanguard Group Inc(5.1879%)
since
2025/06/30
3.
Dimensional Fund Advisors, Inc.(3.7917%)
since
2025/06/30
4.
Vanguard Total Stock Mkt Idx Inv(2.8845%)
since
2025/07/31
5.
iShares Russell 2000 ETF(2.564%)
since
2025/08/31
6.
Geode Capital Management, LLC(2.3565%)
since
2025/06/30
7.
Citizens & Northern Corp(2.0828%)
since
2025/06/30
8.
State Street Corp(2.0363%)
since
2025/06/30
9.
Vanguard Institutional Extnd Mkt Idx Tr(1.061%)
since
2025/07/31
10.
Fidelity Small Cap Index(1.0029%)
since
2025/06/30
11.
iShares Russell 2000 Value ETF(0.8343%)
since
2025/08/31
12.
Northern Trust Corp(0.8256%)
since
2025/06/30
13.
DFA US Targeted Value I(0.6908%)
since
2025/07/31
14.
Pennsylvania Capital Management Inc(0.6599%)
since
2025/06/30
15.
Stone House Investment Management, LLC(0.6411%)
since
2025/06/30
16.
Dimensional US Targeted Value ETF(0.5691%)
since
2025/08/29
17.
Fidelity Extended Market Index(0.5527%)
since
2025/07/31
18.
PNC Financial Services Group Inc(0.4739%)
since
2025/06/30
19.
Vanguard Russell 2000 ETF(0.4584%)
since
2025/07/31
20.
IVC Wealth Advisors LLC(0.4322%)
since
2025/06/30
21.
DFA US Small Cap I(0.4001%)
since
2025/07/31
22.
Renaissance Technologies Corp(0.3947%)
since
2025/06/30
23.
Logan Capital Management Inc(0.3884%)
since
2025/06/30
24.
Bank of New York Mellon Corp(0.3752%)
since
2025/06/30
25.
Marshall Wace Asset Management Ltd(0.373%)
since
2025/06/30
26.
State St Russell Sm Cap® Indx SL Cl I(0.3576%)
since
2025/08/31
27.
QSV Equity Investors LLC(0.3283%)
since
2025/06/30
28.
Stifel Financial Corp(0.3137%)
since
2025/06/30
29.
Hudock Moyer Wealth Resources, LLC(0.2972%)
since
2025/06/30
30.
Cetera Investment Advisers(0.2892%)
since
2025/06/30
31.
Connor Clark & Lunn Inv Mgmt Ltd(0.2864%)
since
2025/06/30
32.
DFA US Micro Cap I(0.274%)
since
2025/07/31
33.
Dimensional US Small Cap ETF(0.2716%)
since
2025/08/29
34.
Dimensional US Core Equity 2 ETF(0.2481%)
since
2025/08/29
35.
Schwab Small Cap Index(0.2476%)
since
2025/07/31
36.
Extended Equity Market Fund K(0.2434%)
since
2025/06/30
37.
NT R2000 Index Fund - NL(0.2308%)
since
2025/06/30
38.
iShares Micro-Cap ETF(0.2186%)
since
2025/08/31
39.
DFA US Core Equity 1 I(0.1918%)
since
2025/07/31
40.
Fidelity Total Market Index(0.19%)
since
2025/07/31
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.