Citizens & Northern Corporation (CZNC) AI Stock Analysis

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank, providing banking and mortgage services to individual and corporate clients. Headquartered in Wellsboro, Pennsylvania, the company maintains 31 branch offices across Northern, Northcentral, Southeastern, and Southcentral Pennsylvania, as well as the Southern tier of New York State, alongside a lending office in Elmira, New York. Its lending offerings feature commercial, mortgage, and consumer loans, along with commercial letters-of-credit. Deposit solutions include checking, savings, money market accounts, individual retirement accounts, and certificates of deposit. In addition, the corporation delivers wealth management, trust and estate administration, retirement plans, and investment management services.

Citizens & Northern Corporation grew its revenue from $108.9M in FY2021 to $115.5M in FY2022, $136.2M in FY2023, and $155.5M in FY2024 before revenue fell 0.8% to $154.2M in FY2025. Between FY2020 and FY2025, revenue expanded at a 5-year CAGR of 9.0%. Net income moved from $30.6M in FY2021 down to $23.4M in FY2025, with net margin declining from 28.0% to 15.2% over that timeframe. Operating margin also compressed from 34.6% in FY2021 to 18.6% in FY2025. For the trailing twelve months, revenue reached $127.3M with an operating margin of 42.2% and a profit margin of 19.9%. In the latest quarter ended June 30, 2026, quarterly revenue growth accelerated to 53.2% year-over-year, while quarterly earnings growth reached 100.2%.

As of June 30, 2026, Citizens & Northern Corporation held $579.4M in cash and short-term investments against total debt of $170.0M, resulting in net cash of $409.3M. Total assets stood at $3.15B and shareholders' equity was $346.1M. The company reported a current ratio of 40.31 and a debt-to-equity ratio of 0.49. In FY2025, operating cash flow generated $32.0M and free cash flow was $30.1M. Capital expenditures totaled $1.9M, while the company allocated $16.3M to dividends paid and $218,000 to share buybacks.

At a last close of $25.50, Citizens & Northern Corporation has a market cap of $457.3M and an enterprise value of $544.8M. The stock trades at a trailing P/E of 17.3x, above the 12.1x median of its US-listed Financial Services peers. Its forward P/E stands at 11.2x compared to the peer median of 10.8x, and its price-to-sales is 3.6x versus the peer median of 3.2x. Over the past year, CZNC delivered a return of 41.1%, outpacing the S&P 500 (SPY) return of 16.8%. Over 5 years, the stock returned 26.7% versus 83.0% for the S&P 500.

The company pays a quarterly dividend with an annual forward dividend of $1.12, reflecting a dividend yield of 4.39%. Citizens & Northern Corporation has paid dividends for 33 consecutive years. Its payout ratio is 60.5%, and the 5-year annualized dividend growth rate stands at 0.7%. The last ex-dividend date was August 3, 2026.

Wall Street coverage consists of 1 Hold rating, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $27.00, representing a 5.9% premium to the last close of $25.50. For the current fiscal year ending December 31, 2026, EPS is estimated at $2.17, reflecting 16.4% growth. For the next fiscal year, 1 analyst estimates EPS of $2.75 with projected revenue growth of 5.0%. Over the last 4 quarters, the company recorded 1 EPS beat. The next earnings date is October 22, 2026.

This page is an AI-written research summary of Citizens & Northern Corporation (CZNC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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