CZNC
Citizens & Northern Corp
NASDAQ: CZNC · FINANCIAL SERVICES · BANKS - REGIONAL
$22.08
-4.00% today
Updated 2026-04-30
Market cap
$416.23M
P/E ratio
15.92
P/S ratio
3.57x
EPS (TTM)
$1.46
Dividend yield
4.84%
52W range
$17 – $24
Volume
0.0M
WallStSmart proprietary scores
65
out of 100
Grade: B
Buy
Investment rating
6.0
Growth
B4.3
Quality
C6.5
Profitability
B6.3
Valuation
B1/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$25.00
+13.22%
12-Month target
$17.70
-19.84%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy0 Buy2 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 20.10% — above average
+ Free cash flow $9.01M — positive
+ Revenue growth 24.50% QoQ
Risks
- Piotroski 1/9 — weak financial health
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $115.48M | $136.24M | $155.47M | $154.19M | $116.63M |
| Net income | $26.62M | $24.15M | $25.96M | $23.43M | $273000.00 |
| EPS | — | — | — | — | $1.46 |
| Free cash flow | $31.31M | $31.28M | $31.13M | $30.10M | $9.01M |
| Profit margin | 23.05% | 17.72% | 16.70% | 15.19% | 20.10% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-04-06 | SHATTUCK, KATHERINE W | Buy | 20 | $22.55 |
| 2026-04-06 | PELLEGRINO, FRANK G | Buy | 180 | $22.55 |
| 2026-03-06 | SHATTUCK, KATHERINE W | Buy | 21 | $21.96 |
Peer comparison
Smart narrative
Citizens & Northern Corp trades at $22.08. representing a P/E of 15.92x trailing earnings. Our Smart Value Score of 65/100 indicates the stock is good. The company scores 1/9 on the Piotroski F-Score. TTM revenue stands at $116.63M. with profit margins at 20.10%.
Frequently asked questions
What is Citizens & Northern Corp's stock price?
Citizens & Northern Corp (CZNC) trades at $22.08.
Is Citizens & Northern Corp overvalued?
Smart Value Score 65/100 (Grade B, Buy).
What is the price target of Citizens & Northern Corp (CZNC)?
The analyst target price is $25.00, representing +13.2% upside from the current price of $22.08.
What is Citizens & Northern Corp's revenue?
TTM revenue is $116.63M.
Piotroski F-Score?
1/9 — weak financial health.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.57x
ROE7.59%
Beta0.49
50D MA$22.77
200D MA$20.82
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.0M
Performance
1 week+2.03%
1 month+6.10%
3 months+10.57%
YTD+17.25%
1 year—
3 years—
5 years—