CZNC Fundamental Analysis - CITIZENS & NORTHERN CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CZNC. CZNC was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of CZNC have multiple concerns. CZNC is not valued too expensively and it also shows a decent growth rate. CZNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

CZNC had positive earnings in the past year.

In the past year CZNC had a positive cash flow from operations.

In the past 5 years CZNC has always been profitable.

In the past 5 years CZNC always reported a positive cash flow from operatings.

1.2 Ratios

With a decent Return On Assets value of 1.02%, CZNC is doing good in the industry, outperforming 66.24% of the companies in the same industry.

Looking at the Return On Equity, with a value of 9.33%, CZNC is in line with its industry, outperforming 58.57% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.33%
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

1.3 Margins

CZNC's Profit Margin of 23.95% is in line compared to the rest of the industry. CZNC outperforms 51.41% of its industry peers.

CZNC's Profit Margin has declined in the last couple of years.

CZNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.95%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CZNC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CZNC has been increased compared to 1 year ago.

CZNC has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, CZNC has an improved debt to assets ratio.

2.2 Solvency

CZNC has a debt to FCF ratio of 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.

CZNC's Debt to FCF ratio of 1.48 is fine compared to the rest of the industry. CZNC outperforms 60.61% of its industry peers.

A Debt/Equity ratio of 0.14 indicates that CZNC is not too dependend on debt financing.

CZNC has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: CZNC outperforms 58.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.48
Altman-Z	N/A

ROIC/WACCN/A

WACC13.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.38% over the past year.

The Revenue has been growing slightly by 6.84% in the past year.

CZNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.98% yearly.

EPS 1Y (TTM)14.38%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%0%

Revenue 1Y (TTM)6.84%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%7.27%

3.2 Future

Based on estimates for the next years, CZNC will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.23% on average per year.

CZNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.68% yearly.

EPS Next Y11.05%

EPS Next 2Y11.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.18%

Revenue Next 2Y6.68%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.44, the valuation of CZNC can be described as very reasonable.

CZNC's Price/Earnings ratio is a bit cheaper when compared to the industry. CZNC is cheaper than 65.47% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.43, CZNC is valued rather cheaply.

A Price/Forward Earnings ratio of 9.57 indicates a reasonable valuation of CZNC.

CZNC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CZNC is cheaper than 62.66% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of CZNC to the average of the S&P500 Index (22.87), we can say CZNC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.44
Fwd PE	9.57

4.2 Price Multiples

CZNC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.4
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.03

PEG (5Y)N/A

EPS Next 2Y11.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CZNC has a Yearly Dividend Yield of 5.48%, which is a nice return.

CZNC's Dividend Yield is rather good when compared to the industry average which is at 3.56. CZNC pays more dividend than 85.68% of the companies in the same industry.

CZNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	5.48%

5.2 History

The dividend of CZNC decreases each year by -1.32%.

CZNC has been paying a dividend for at least 10 years, so it has a reliable track record.

CZNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)-1.32%

Div Incr Years0

Div Non Decr Years14

5.3 Sustainability

CZNC pays out 58.42% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP58.42%

EPS Next 2Y11.23%

EPS Next 3YN/A

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CITIZENS & NORTHERN CORP

NASDAQ:CZNC (9/12/2025, 4:30:01 PM)

After market: 20.02 0 (0%)

20.02

-0.2 (-0.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners33.93%

Inst Owner Change-12.52%

Ins Owners2.88%

Ins Owner Change1.7%

Market Cap310.51M

Analysts43.33

Price Target21.42 (6.99%)

Short Float %1.61%

Short Ratio6.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.48%

Yearly Dividend1.01

Dividend Growth(5Y)-1.32%

DP58.42%

Div Incr Years0

Div Non Decr Years14

Ex-Date08-04 2025-08-04 (0.28)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-12.16%

Min EPS beat(2)-15.67%

Max EPS beat(2)-8.65%

EPS beat(4)1

Avg EPS beat(4)-4.88%

Min EPS beat(4)-15.67%

Max EPS beat(4)15.47%

EPS beat(8)3

Avg EPS beat(8)-3.13%

EPS beat(12)5

Avg EPS beat(12)-5.47%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-0.43%

Min Revenue beat(2)-4.5%

Max Revenue beat(2)3.65%

Revenue beat(4)1

Avg Revenue beat(4)-1.33%

Min Revenue beat(4)-4.5%

Max Revenue beat(4)3.65%

Revenue beat(8)4

Avg Revenue beat(8)1.02%

Revenue beat(12)5

Avg Revenue beat(12)0.03%

Revenue beat(16)6

Avg Revenue beat(16)-0.13%

PT rev (1m)0%

PT rev (3m)-4.55%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.07%

EPS NY rev (1m)0.55%

EPS NY rev (3m)0.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.04%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.99%

Valuation

		Industry Rank	Sector Rank
PE	11.44
Fwd PE	9.57
P/S	2.78
P/FCF	11.4
P/OCF	10.79
P/B	1.08
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)1.75

EY8.74%

EPS(NY)2.09

Fwd EY10.44%

FCF(TTM)1.76

FCFY8.77%

OCF(TTM)1.85

OCFY9.27%

SpS7.19

BVpS18.46

TBVpS14.96

PEG (NY)1.03

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	9.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.95%
GM	N/A
FCFM	24.41%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	1.48
Debt/EBITDA	N/A
Cap/Depr	68.14%
Cap/Sales	1.37%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	101.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC13.26%

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)14.38%

EPS 3Y-4.16%

EPS 5Y0%

EPS Q2Q%0%

EPS Next Y11.05%

EPS Next 2Y11.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.84%

Revenue growth 3Y1.43%

Revenue growth 5Y7.98%

Sales Q2Q%7.27%

Revenue Next Year6.18%

Revenue Next 2Y6.68%

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-24.83%

FCF growth 3Y-1.91%

FCF growth 5Y9.7%

OCF growth 1Y-24.13%

OCF growth 3Y-1.76%

OCF growth 5Y8.02%

CITIZENS & NORTHERN CORP (CZNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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