Citizens & Northern Corporation (CZNC) — Analysis Summary
Citizens & Northern Corporation (CZNC) has a market cap of $453.21M with year-over-year revenue growth of +16.1%. Net margin stands at 25.5%. The stock trades at a P/E ratio of 17.9.
Key Takeaways
- Revenue changed +16.1% year-over-year
- Net margin of 25.5%
- P/E ratio of 17.9
Compared to other companies in the STATE COMMERCIAL BANKS sector, CZNC posted revenue growth of +16.1% and trades at a P/E of 17.9.
Citizens & Northern Corporation (CZNC)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.0x — earnings do not cover interest payments
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
Sector
STATE COMMERCIAL BANKS
Employees
460
Headquarters
WELLSBORO, PA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$1.12
Dividend Yield
4.43%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.