Citizens & Northern Corp (CZNC)
Financial Services
Banks - Regional
23.50 $
Closing price · As of: 20. Jul 2026
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Value & GARP
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Basics
Market Cap
The value of the entire company on the market: share price times total shares outstanding.
0.4Mrd. $
Shares Outstanding
Total number of shares issued. Price times share count gives market cap.
18Mio.
Float
Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders.
94.9%
Beta
Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market.
0.4
Performance
Perf. 1M
Price performance over the last month.
10.40%
Perf. 3M
Price performance over the last 3 months.
7.60%
Perf. 6M
Price performance over the last 6 months.
16.00%
YTD Performance (%)
Price performance since the start of the year (Year to Date).
12.30%
52-Week-High Distance
How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high.
-6.9%
Valuation
P/E
Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E.
22.0
Forward P/E
P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future.
11.2
PEG
P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey.
1.2
P/B
Price-to-book ratio: market value relative to book equity.
1.2
P/S
Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable.
2.5
EV/EBITDA
Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero.
0.0
Price/FCF
Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up.
11.2
Profitability
Gross Margin
Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power.
100.0%
EBIT Margin
EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes.
–
Net Margin
Net margin: what's left of sales as profit after ALL costs, interest, and taxes.
15.4%
Return on Equity
Return on equity: how much profit does the company generate per year on shareholders' equity?
5.6%
Return on Assets
Return on assets: how much profit the company generates from its total assets (equity and debt combined).
0.6%
Balance Sheet & Safety
Equity Ratio
Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet.
–
Debt/Equity
Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity.
0.6
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
3.62
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
6 von 9
Growth
Sales Growth Last Quarter
Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY).
-13.80%
EPS Growth Last Quarter
Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY).
–
Sales Growth (Year)
Sales growth in the last fiscal year versus the year before.
-0.82%
Forward Sales Growth
Sales growth analysts expect over the next 12 months — an estimate, not a guarantee.
4.97%
Forward EPS Growth
Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee.
37.10%
Dividend
Dividend Yield
Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year.
4.74%
Dividend Per Share (TTM)
Sum of dividends paid per share over the last 12 months.
1.12$
Payout Ratio
Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term.
76.7%
Years Without a Cut
How many years in a row the dividend hasn't been cut — a measure of reliability.
5Years
Increase Streak
How many years in a row the dividend has been raised — the gold standard for dividend payers.
0Years
Quality & Screener
Stage
Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line.
2
RS Rating
Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks.
47
EPS Rating
Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth.
2
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
6 von 9
Fundamental Rating
Our own Fundamental Rating from −100 to +100 with an A+ to F grade: growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety, all percentile-ranked.
D (-18 von 100)
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
3.62
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.53 | 88.60 | 41 | 13.80 | 20.20 | 12 | 12 |
| 2025: Q1 | 0.41 | 17.80 | 38 | 4.90 | 16.40 | 2 | 1 |
| 2025: Q2 | 0.40 | -0.50 | 40 | 3.80 | 15.20 | 9 | 8 |
| 2025: Q3 | 0.43 | 2.20 | 40 | 1.80 | 16.20 | 11 | 11 |
| 2025: Q4 | 0.25 | -52.30 | 36 | -11.10 | 12.40 | 11 | 9 |
| 2026: Q1 | 0.02 | -96.20 | 49 | 27.30 | 0.60 | 9 | 9 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Citizens & Northern Corporation ist die Bankholding der Citizens & Northern Bank, die verschiedene Bank- und verwandte Dienstleistungen für Privat- und Firmenkunden anbietet. Zu den Einlagenprodukten des Unternehmens gehören verschiedene Arten von Girokonten, Sparbuch- und Kontoauszugssparen, m…
| Employees | 460 |
|---|---|
| Headquarters | Wellsboro, PA |
| Website | cnbankpa.com |
| IPO Date | 30. May 1996 |
| Next Earnings | 14. Aug 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| J. Bradley Scovill | President, CEO & Director | 1959 |
| Kelley A. Cwiklinski | Executive VP & Chief Commercial Lending Officer | 1964 |
| Mark A. Hughes | Treasurer | 1962 |
| Philip Prough CFP, CIMA | Senior VP & Chief Investment Strategist | – |
| Shelley L. D'Haene | Executive VP and Chief Digital Channels & Payments Officer | 1961 |
| Ryan J. Satalin | SVP & Regional Commercial Lending Executive | – |
| Jeffrey G. Hollenbach | Executive VP & Region President | – |
| David S. Runk | Executive VP & Strategic Advisor | 1964 |
| Chau Nguyen | Senior VP & Senior Commercial Lending Relationship Manager | – |
| Stephen Sherman | Senior VP & Regional Commercial Lending Executive | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.