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Citizens & northern corporationCZNC.US Overview

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CZNC Recent Performance

1.14%

Citizens & northern corporation

1.79%

Avg of Sector

-0.31%

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CZNC Key Information

CZNC Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

CZNC Profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

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CZNC FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

CZNC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.53
PE Ratio (TTM)
15.38
Forward PE
11.25
PS Ratio (TTM)
3.43
PB Ratio
1.21
Price-to-FCF
17.46
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.83%
Net Margin
20.01%
Revenue Growth (YoY)
10.34%
Profit Growth (YoY)
-3.09%
3-Year Revenue Growth
11.28%
3-Year Profit Growth
-5.92%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.53
PE Ratio (TTM)
15.38
Forward PE
11.25
PS Ratio (TTM)
3.43
PB Ratio
1.21
Price-to-FCF
17.46
Gross Margin
87.83%
Net Margin
20.01%
Revenue Growth (YoY)
10.34%
Profit Growth (YoY)
-3.09%
3-Year Revenue Growth
11.28%
3-Year Profit Growth
-5.92%

  • When is CZNC's latest earnings report released?

    The most recent financial report for Citizens & northern corporation (CZNC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CZNC's short-term business performance and financial health. For the latest updates on CZNC's earnings releases, visit this page regularly.

  • Where does CZNC fall in the P/E River chart?

    According to historical valuation range analysis, Citizens & northern corporation (CZNC)'s current price-to-earnings (P/E) ratio is 19.95, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of CZNC?

    According to the latest financial report, Citizens & northern corporation (CZNC) reported an Operating Profit of 5.39M with an Operating Margin of 14.97% this period, representing a decline of 46.72% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is CZNC's revenue growth?

    In the latest financial report, Citizens & northern corporation (CZNC) announced revenue of 36.02M, with a Year-Over-Year growth rate of 26.16%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does CZNC have?

    At the end of the period, Citizens & northern corporation (CZNC) held Total Cash and Cash Equivalents of 23.46M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does CZNC go with three margins increasing?

    In the latest report, Citizens & northern corporation (CZNC) achieved the “three margins increasing” benchmark, with a gross margin of 60.44%%, operating margin of 14.97%%, and net margin of 12.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CZNC's profit trajectory and future growth potential.

  • Is CZNC's EPS continuing to grow?

    According to the past four quarterly reports, Citizens & northern corporation (CZNC)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.25. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of CZNC?

    Citizens & northern corporation (CZNC)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of CZNC?

    The latest valuation data shows Citizens & northern corporation (CZNC) has a Price-To-Earnings (PE) ratio of 19.95 and a Price/Earnings-To-Growth (PEG) ratio of -0.49. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.