CZNC
Citizens & Northern Corp
NASDAQ: CZNC · FINANCIAL SERVICES · BANKS - REGIONAL
$25.05
-0.20% today
Updated 2026-07-29
Market cap
$436.27M
P/E ratio
21.74
P/S ratio
3.86x
EPS (TTM)
$1.12
Dividend yield
—
52W range
$17 – $25
Volume
0.1M
WallStSmart proprietary scores
46
out of 100
Grade: C
Sell
Investment rating
4.0
Growth
C4.0
Quality
C5.0
Profitability
C+5.7
Valuation
C+3/9
Piotroski F-Score
Weak
0.2
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$24.00
-4.19%
12-Month target
$17.70
-29.34%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy0 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Free cash flow $8.47M — positive
Risks
- Piotroski 3/9 — weak financial health
- Altman Z 0.23 — distress zone
- Revenue declining -13.80% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $115.48M | $136.24M | $155.47M | $154.19M | $112.93M |
| Net income | $26.62M | $24.15M | $25.96M | $23.43M | $273000.00 |
| EPS | — | — | — | — | $1.12 |
| Free cash flow | $31.31M | $31.28M | $31.13M | $30.10M | $8.47M |
| Profit margin | 23.05% | 17.72% | 16.70% | 15.19% | 15.40% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-07-08 | SHATTUCK, KATHERINE W | Buy | 9 | $23.03 |
| 2026-07-08 | PELLEGRINO, FRANK G | Buy | 198 | $23.03 |
| 2026-06-19 | VAN, SANT WILLIAM F III | Buy | 6,861 | $21.86 |
Peer comparison
Smart narrative
Citizens & Northern Corp trades at $25.05. representing a P/E of 21.74x trailing earnings. Our Smart Value Score of 46/100 indicates the stock is fair. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of 0.23, it sits in the distress. TTM revenue stands at $112.93M. with profit margins at 15.40%.
Frequently asked questions
What is Citizens & Northern Corp's stock price?
Citizens & Northern Corp (CZNC) trades at $25.05, on a P/E of 21.7x and a P/S of 3.9x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Citizens & Northern Corp overvalued?
Citizens & Northern Corp carries a Smart Value Score of 46/100 (Grade C), which we rate Sell. That score blends growth, quality, and valuation into one read.
What is the price target of Citizens & Northern Corp (CZNC)?
The 12-month analyst consensus target is $24.00, about 4.2% below the current $25.05. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Citizens & Northern Corp's revenue?
Citizens & Northern Corp's trailing twelve-month revenue is $112.93M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Citizens & Northern Corp's Altman Z-Score is 0.23, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.86x
ROE5.19%
Beta0.40
50D MA$22.11
200D MA$21.58
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.1M
Performance
1 week+8.28%
1 month+7.40%
3 months+9.13%
YTD+24.44%
1 year—
3 years—
5 years—