CZNC Fundamental Analysis - CITIZENS & NORTHERN CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CZNC. CZNC was compared to 392 industry peers in the Banks industry. CZNC may be in some trouble as it scores bad on both profitability and health. CZNC has a decent growth rate and is not valued too expensively. 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.

CZNC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

CZNC has a Return On Assets of 1.02%. This is in the better half of the industry: CZNC outperforms 66.07% of its industry peers.

CZNC's Return On Equity of 9.33% is in line compared to the rest of the industry. CZNC outperforms 58.42% of its industry peers.

		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 51.79% of its industry peers.

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

The Operating Margin and Gross Margin are not available for CZNC so they could not be analyzed.

		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.

CZNC has more shares outstanding than it did 1 year ago.

The number of shares outstanding for CZNC has been increased compared to 5 years ago.

The debt/assets ratio for CZNC has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of CZNC is 1.48, which is an excellent value as it means it would take CZNC, only 1.48 years of fcf income to pay off all of its debts.

CZNC has a Debt to FCF ratio (1.48) which is comparable to the rest of the industry.

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 (0.14) which is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC13.21%

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.

Looking at the last year, CZNC shows a small growth in Revenue. The Revenue has grown by 6.84% in the last year.

The Revenue has been growing slightly by 7.98% on average over the past years.

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

The Earnings Per Share is expected to grow by 11.23% on average over the next years. This is quite good.

Based on estimates for the next years, CZNC will show a small growth in Revenue. The Revenue will grow by 6.68% on average per year.

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.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.01, which indicates a very decent valuation of CZNC.

CZNC's Price/Earnings ratio is a bit cheaper when compared to the industry. CZNC is cheaper than 62.76% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.02, CZNC is valued rather cheaply.

A Price/Forward Earnings ratio of 9.22 indicates a reasonable valuation of CZNC.

CZNC's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, CZNC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.22

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CZNC.

		Industry Rank	Sector Rank
P/FCF	10.97
EV/EBITDA	N/A

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.

PEG (NY)1

PEG (5Y)N/A

EPS Next 2Y11.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.75%, CZNC is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.52, CZNC pays a better dividend. On top of this CZNC pays more dividend than 86.99% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.43, CZNC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.75%

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

5.3 Sustainability

58.42% of the earnings are spent on dividend by CZNC. 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 (10/10/2025, 9:19:41 PM)

After market: 19.27 0 (0%)

19.27

-0.2 (-1.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-16 2025-10-16/amc

Inst Owners33.85%

Inst Owner Change-0.1%

Ins Owners2.75%

Ins Owner Change4.18%

Market Cap298.88M

Analysts43.33

Price Target21.42 (11.16%)

Short Float %1.46%

Short Ratio5.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.75%

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)11.58%

EPS NY rev (1m)0%

EPS NY rev (3m)0.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.06%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.99%

Valuation

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	9.22
P/S	2.68
P/FCF	10.97
P/OCF	10.39
P/B	1.04
P/tB	1.29
EV/EBITDA	N/A

EPS(TTM)1.75

EY9.08%

EPS(NY)2.09

Fwd EY10.85%

FCF(TTM)1.76

FCFY9.11%

OCF(TTM)1.85

OCFY9.63%

SpS7.19

BVpS18.46

TBVpS14.96

PEG (NY)1

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

WACC13.21%

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

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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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