Citizens & Northern Corporation

Citizens & Northern Corporation

CZNC
Citizens & Northern CorporationUS flagNASDAQ Capital Market
23.19
USD
-0.19
- -
415.47MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.88
4.56
4.69
4.62
4.71
5.32
5.47
6.16
6.49
6.86
6.77
6.98
7.58
7.88
Basic EPS, GAAP
1.51
1.38
1.35
1.3
1.11
1.8
1.47
1.3
1.94
1.72
1.58
1.7
1.47
1.05
Free Cash Flow per Basic Share
2.41
1.73
1.53
1.4
1.46
2.02
1.47
1.47
2.09
2.03
2.05
2.04
1.89
2.27
Dividend per Share
0.88
0.92
0.92
0.92
0.92
0.96
1.06
0.98
1.01
1.03
1.02
1.02
1.02
1.03
Book Value per Share
9.21
9.54
10
10.37
10.42
11.06
10.56
9.88
10.06
10.86
11.35
11.91
11.88
11.17
Tangible Book Value per Share
13.56
14.23
14.37
14.39
14.57
15.16
16.15
16.51
15.58
12.55
13.61
14.46
16.73
15.81
Basic Weighted Avg Shares
12
12
12
12
12
12
13
15
16
15
15
15
16
17
Sales/Revenue/Turnover
60
56
57
56
57
65
73
91
102
106
103
107
121
130
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Net Income, GAAP
19
17
16
16
13
22
20
19
31
27
24
26
23
17
Effective Tax Rate (%)
24.95
24.99
24.47
25.33
34.75
16.18
16.68
17.19
18.93
17.72
20.78
18.55
18.21
18.18
Profit Margin (%)
30.84
30.25
28.76
28.18
23.54
33.85
26.83
21.16
29.84
25.12
23.41
24.37
19.39
13.36
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12
12
12
11
9
36
59
71
76
63
178
205
161
179
Total Equity
179
188
187
186
188
197
244
300
301
249
262
275
342
336
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
16.81
14.73
13.71
12.73
10.67
16.83
14.15
13.44
20.08
16.31
14.17
14.63
12.62
9.45

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
27
13
LT Borrowings
173
161
179
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
18
18
Market Capitalization
304
322
369

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
333
337
349
Accounts Receivable, Net
10
12
12
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
27
13
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.93%
3.51%
24.13%
Free Cash Flow
6.82%
8.68%
-3.31%
Net Income, GAAP
6.65%
6.91%
-9.75%
Sales/Revenue/Turnover
8.07%
6.05%
13.46%
Total Cash Common Dividend
3.96%
2.5%
4.91%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
25
27
27
28
107
2025
27
29
29
36
121
2026
36
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.4
0.42
0.53
1.7
2025
0.41
0.4
0.43
0.25
1.47
2026
0.02
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.25
0.25
0.25
1.02
2025
0.26
0.25
0.25
0.26
1.02
2026
0.26
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
J. Bradley Scovill
Full Time Employees
460
Sector
Financial Services
Industry
Banks - Regional
Address
90-92 Main Street Wellsboro PA United States of America 16901
IPO Date
Apr 5, 1994
Business
Citizens & Northern Corporation (NASDAQ:CZNC) operates as the bank holding company for Citizens & Northern Bank, a full-service community bank that provides retail and commercial banking, wealth management, and insurance services to individuals and businesses in northern and central Pennsylvania and southern New York. The bank offers deposit products including checking accounts, passbook and statement savings accounts, money market deposit accounts, interest checking accounts, individual retirement accounts, and certificates of deposit; debit cards; lending products such as commercial real estate loans, residential mortgages, consumer loans, commercial and industrial loans, commercial letters of credit, and lines of credit; wealth management services encompassing 401(k) plans, retirement planning, estate planning and settlements, and asset management; and insurance products including credit life, mortgage life, accident, and health insurance offered through subsidiaries C&N Financial Services Corp. and a broker-dealer arrangement, as well as investment products like mutual funds, annuities, and educational savings accounts. Headquartered in Wellsboro, Pennsylvania, and founded in 1864, the company maintains 29 banking and loan production offices across Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Bucks, York, Lancaster, and Chester Counties in Pennsylvania, and Steuben and Chemung Counties in New York, with assets exceeding $2.4 billion. In October 2025, Citizens & Northern Corporation completed its $44.3 million all-stock acquisition of Susquehanna Community Financial, Inc., merging Susquehanna Community Bank into C&N and adding approximately $600 million in assets, seven branches, and expanded presence in central Pennsylvania, resulting in pro forma combined assets of $3.2 billion, loans of $2.3 billion, and deposits of $2.6 billion.

Company News

APIChatGPT
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  • Citizens & Northern (NASDAQ:CZNC) Share Price Crosses Above Two Hundred Day Moving Average – Should You Sell?

  • Citizens & Northern (NASDAQ:CZNC) Shares Cross Above 200-Day Moving Average – Should You Sell?

  • Citizens & Northern (CZNC) Earnings Expected to Grow: Should You Buy?

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  • Citizens & Northern (CZNC) Misses Q2 Earnings Estimates

  • Bert's May 2025 Dividend Income Summary

  • KBRA Comments on Citizens & Northern Corporation's Proposed Acquisition of Susquehanna Community Financial, Inc.