Citizens & Northern Corporation (CZNC) Stock

Citizens & Northern Corporation (CZNC) is a Financials stock trading at $21.69 (as of 2026-06-18), with a market capitalization of $377.32M and a trailing P/E of 13.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Citizens & Northern Corporation is a bank holding company for Citizens & Northern Bank, offering banking and mortgage services to individuals and businesses. Its offerings include lending (commercial, mortgage, and consumer), deposit products, wealth management and investment services, insurance products, and reinsurance of certain credit, mortgage, life, accident, and health risks.

Valuation — source: SEC EDGAR (first-party)
Price$21.69
Market Cap$377.32M
P/E Ratio13.1
EV / EBITDA15.0
Price / Book1.18
Price / Sales2.67
Dividend Yield4.3%
DCF Value (model)$24.24
DCF Upside vs Price11.8%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$139.22M
Net Margin16.8%
Return on Equity5.2%
Debt / Equity0.04
Revenue Growth (YoY)28.0%
EPS Growth (YoY)-95.1%
FCF Growth (YoY)713.3%
Valuation vs Sector & Industry
Stock P/E13.1
Sector P/E (Financials)14.2
Industry P/E (Banking)12.4
vs Sector-8.2%
vs Industry5.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($26.54M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJ. Bradley Scovill
Employees386
CountryUS
IPO Date1994-04-05

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Orange County Bancorp, Inc. (OBT)
  • Colony Bankcorp, Inc. (CBAN)
  • Greene County Bancorp, Inc. (GCBC)
  • Isabella Bank Corporation (ISBA)
  • Bankwell Financial Group, Inc. (BWFG)
  • RBB Bancorp (RBB)
  • Primis Financial Corp. (FRST)
  • Pioneer Bancorp, Inc. (PBFS)
CZNC earnings history · CZNC institutional & insider holders · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-06-18.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.