Citizens & Northern Corporation (CZNC) Stock

Citizens & Northern Corporation (CZNC) is a Financials stock trading at $25.80 (as of 2026-08-21), with a market capitalization of $462.72M and a trailing P/E of 18.3. 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.

Understand Citizens & Northern Corporation: how it makes money

Citizens & Northern Corporation operates as a bank holding company, providing banking and mortgage services (commercial, mortgage, and consumer lending, and instruments like letters of credit) and deposit products (checking, savings, money market, interest checking, IRAs, and certificates of deposit), and it also offers wealth management services.

As a bank holding company, its profit model depends on earning income from its lending and related customer services (for example, commercial and mortgage lending, letters of credit), and keeping credit quality under control (nonperforming loans and the allowance for credit losses).

Business quality (Mixed): Limited segment detail is available (no clean, mutually exclusive reportable segment breakdown is provided), and the provided total revenue is 0.0B while candidate operating revenue is 0.09B, so cross-checking is difficult.

Valuation: At 13× earnings, CZNC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Operating revenue is present in the quarter: For 2026-03-31, Operating Revenue is 0.09 USD_B, indicating the core banking revenue line is active.
  • No net charge-offs reported in the dataset: Net Charge-offs are shown as 0.0 USD_B for the quarter, which is a favorable credit signal compared with positive charge-offs.

Bear case

  • Credit quality metrics are a key watch area: Nonperforming Assets are 0.03 USD_B and Nonperforming Loans are 0.02 USD_B, meaning credit performance is material to the outlook.
  • Allowance levels indicate potential risk: Allowance for Credit Losses is 0.02 USD_B, and Allowance for Credit Losses as a Percentage of Gross Loans Receivable is 1.13 percent (these imply the company has recognized credit risk through provisions or reserves).
Valuation — source: SEC EDGAR (first-party)
Price$25.80
Market Cap$462.72M
P/E Ratio18.3
EV / EBITDA11.7
Price / Book1.34
Price / Sales2.94
FCF Yield9.7%
DCF Value (model)$21.15
DCF Upside vs Price-18.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$139.22M
Net Margin16.8%
Revenue Growth (YoY)28.1%
EPS Growth (YoY)97.5%
FCF Growth (YoY)90.3%
Valuation vs Sector & Industry
Stock P/E18.3
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector20.9%
vs Industry40.8%
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

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CZNC earnings history · CZNC institutional & insider holders · CZNC KPIs & operating metrics · CZNC financials · CZNC investor presentations & press releases · CZNC SEC filings · CZNC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

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