CITIZENS & NORTHERN CORP (CZNC) Stock Fundamental Analysis

NASDAQ:CZNC • US1729221069

22.63 USD
-0.58 (-2.5%)
Last: Feb 27, 2026, 03:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, CZNC scores 3 out of 10 in our fundamental rating. CZNC was compared to 379 industry peers in the Banks industry. CZNC has a bad profitability rating. Also its financial health evaluation is rather negative. CZNC has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally CZNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CZNC was profitable.
  • CZNC had a positive operating cash flow in the past year.
  • Of the past 5 years CZNC 4 years were profitable.
  • CZNC had a positive operating cash flow in 4 of the past 5 years.
CZNC Yearly Net Income VS EBIT VS OCF VS FCFCZNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.01%, CZNC is in line with its industry, outperforming 59.37% of the companies in the same industry.
  • CZNC has a Return On Equity (9.15%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 9.15%
ROIC N/A
ROA(3y)1%
ROA(5y)1.03%
ROE(3y)9.69%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
CZNC Yearly ROA, ROE, ROICCZNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 23.64%, CZNC is in line with its industry, outperforming 45.65% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CZNC has declined.
  • CZNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.64%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-1.99%
GM growth 3YN/A
GM growth 5YN/A
CZNC Yearly Profit, Operating, Gross MarginsCZNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CZNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for CZNC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CZNC Yearly Shares OutstandingCZNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CZNC Yearly Total Debt VS Total AssetsCZNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • The Debt to FCF ratio of CZNC is 1.30, which is an excellent value as it means it would take CZNC, only 1.30 years of fcf income to pay off all of its debts.
  • CZNC's Debt to FCF ratio of 1.30 is in line compared to the rest of the industry. CZNC outperforms 59.37% of its industry peers.
  • CZNC has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • CZNC has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: CZNC outperforms 57.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.3
Altman-Z N/A
ROIC/WACCN/A
WACC12.03%
CZNC Yearly LT Debt VS Equity VS FCFCZNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZNC Yearly Current Assets VS Current LiabilitesCZNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0 0 0 0

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The earnings per share for CZNC have decreased strongly by -12.43% in the last year.
  • CZNC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.52% yearly.
EPS 1Y (TTM)-12.43%
EPS 3YN/A
EPS 5Y-3.52%
EPS Q2Q%-52.83%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%39.44%

3.2 Future

  • The Earnings Per Share is expected to grow by 37.67% on average over the next years. This is a very strong growth
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y75.05%
EPS Next 2Y37.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.18%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CZNC Yearly Revenue VS EstimatesCZNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CZNC Yearly EPS VS EstimatesCZNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • CZNC is valuated correctly with a Price/Earnings ratio of 15.29.
  • 72.56% of the companies in the same industry are cheaper than CZNC, based on the Price/Earnings ratio.
  • CZNC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.11.
  • With a Price/Forward Earnings ratio of 8.73, the valuation of CZNC can be described as very reasonable.
  • CZNC's Price/Forward Earnings ratio is rather cheap when compared to the industry. CZNC is cheaper than 82.85% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, CZNC is valued rather cheaply.
Industry RankSector Rank
PE 15.29
Fwd PE 8.73
CZNC Price Earnings VS Forward Price EarningsCZNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CZNC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.72
EV/EBITDA N/A
CZNC Per share dataCZNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CZNC's earnings are expected to grow with 37.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y37.67%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CZNC has a Yearly Dividend Yield of 4.76%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.74, CZNC pays a better dividend. On top of this CZNC pays more dividend than 88.13% of the companies listed in the same industry.
  • CZNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 4.76%

5.2 History

  • The dividend of CZNC decreases each year by -1.32%.
  • CZNC has paid a dividend for at least 10 years, which is a reliable track record.
  • CZNC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-1.32%
Div Incr Years0
Div Non Decr Years14
CZNC Yearly Dividends per shareCZNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 58.12% of the earnings are spent on dividend by CZNC. This is a bit on the high side, but may be sustainable.
DP58.12%
EPS Next 2Y37.67%
EPS Next 3YN/A
CZNC Yearly Income VS Free CF VS DividendCZNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CZNC Dividend Payout.CZNC Dividend Payout, showing the Payout Ratio.CZNC Dividend Payout.PayoutRetained Earnings

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CITIZENS & NORTHERN CORP

NASDAQ:CZNC (2/27/2026, 3:01:51 PM)

22.63

-0.58 (-2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners29.99%
Inst Owner Change4.97%
Ins Owners2.65%
Ins Owner Change6.12%
Market Cap403.27M
Revenue(TTM)N/A
Net Income(TTM)26.91M
Analysts43.33
Price Target23.97 (5.92%)
Short Float %1.89%
Short Ratio5.16
Dividend
Industry RankSector Rank
Dividend Yield 4.76%
Yearly Dividend1.01
Dividend Growth(5Y)-1.32%
DP58.12%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-02
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-17.46%
Min EPS beat(2)-19.26%
Max EPS beat(2)-15.67%
EPS beat(4)1
Avg EPS beat(4)-7.03%
Min EPS beat(4)-19.26%
Max EPS beat(4)15.47%
EPS beat(8)2
Avg EPS beat(8)-8.55%
EPS beat(12)5
Avg EPS beat(12)-3.79%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.68%
Min Revenue beat(2)1.71%
Max Revenue beat(2)3.65%
Revenue beat(4)2
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-4.5%
Max Revenue beat(4)3.65%
Revenue beat(8)5
Avg Revenue beat(8)1.76%
Revenue beat(12)6
Avg Revenue beat(12)0.29%
Revenue beat(16)7
Avg Revenue beat(16)0.05%
PT rev (1m)5.62%
PT rev (3m)9.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)36.05%
EPS NY rev (1m)0%
EPS NY rev (3m)7.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.29
Fwd PE 8.73
P/S 3.54
P/FCF 12.72
P/OCF 12.04
P/B 1.37
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)1.48
EY6.54%
EPS(NY)2.59
Fwd EY11.45%
FCF(TTM)1.78
FCFY7.86%
OCF(TTM)1.88
OCFY8.31%
SpS6.39
BVpS16.5
TBVpS13.45
PEG (NY)0.2
PEG (5Y)N/A
Graham Number23.44
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 9.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.64%
GM N/A
FCFM 27.84%
ROA(3y)1%
ROA(5y)1.03%
ROE(3y)9.69%
ROE(5y)9.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.62%
PM growth 5Y-1.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 1.3
Debt/EBITDA N/A
Cap/Depr 81.05%
Cap/Sales 1.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.03%
ROIC/WACCN/A
Cap/Depr(3y)110.09%
Cap/Depr(5y)115.24%
Cap/Sales(3y)2.33%
Cap/Sales(5y)2.44%
Profit Quality(3y)123.35%
Profit Quality(5y)118.44%
High Growth Momentum
Growth
EPS 1Y (TTM)-12.43%
EPS 3YN/A
EPS 5Y-3.52%
EPS Q2Q%-52.83%
EPS Next Y75.05%
EPS Next 2Y37.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%39.44%
Revenue Next Year7.18%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.51%
FCF growth 3Y-1.91%
FCF growth 5Y9.7%
OCF growth 1Y-1.07%
OCF growth 3Y-1.76%
OCF growth 5Y8.02%

CITIZENS & NORTHERN CORP / CZNC FAQ

What is the ChartMill fundamental rating of CITIZENS & NORTHERN CORP (CZNC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CZNC.


What is the valuation status for CZNC stock?

ChartMill assigns a valuation rating of 5 / 10 to CITIZENS & NORTHERN CORP (CZNC). This can be considered as Fairly Valued.


How profitable is CITIZENS & NORTHERN CORP (CZNC) stock?

CITIZENS & NORTHERN CORP (CZNC) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for CZNC stock?

The Earnings per Share (EPS) of CITIZENS & NORTHERN CORP (CZNC) is expected to grow by 75.05% in the next year.


Can you provide the dividend sustainability for CZNC stock?

The dividend rating of CITIZENS & NORTHERN CORP (CZNC) is 7 / 10 and the dividend payout ratio is 58.12%.