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Citizens & Northern

(NASDAQ) CZNC

Current Price$23.74
Market Cap$425.19M
Since IPO (1990)+2,004%
5 Year+32%
1 Year+37%
1 Month+9%

Citizens & Northern Financials at a Glance

Market Cap

$425.19M

Revenue (TTM)

$154.97M

Net Income (TTM)

$23.43M

EPS (TTM)

$1.48

P/E Ratio

16.09

Dividend

$1.12

Beta (Volatility)

0.58 (Low)

Price

$23.74

Volume

382

Open

$23.73

Previous Close

$23.74

Daily Range

$23.58 - $23.77

52-Week Range

$18.02 - $24.11

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About Citizens & Northern

Industry

Banks

Employees

460

CEO

J. Bradley Scovill

Headquarters

Wellsboro, PA 16901, US

CZNC Financials

Key Financial Metrics (TTM)

Gross Margin

66%

Operating Margin

18%

Net Income Margin

15%

Return on Equity

8%

Return on Capital

5%

Return on Assets

1%

Earnings Yield

6.22%

Dividend Yield

0.05%

Payout Ratio

69.55%

Stock Overview

Market Cap

$425.19M

Shares Outstanding

17.91M

Volume

382

Short Interest

0.00%

Avg. Volume

48.55K

Financials (TTM)

Gross Profit

$100.75M

Operating Income

$28.64M

EBITDA

$28.64M

Operating Cash Flow

$32.00M

Capital Expenditure

$1.91M

Free Cash Flow

$28.13M

Cash & ST Invst.

$337.38M

Total Debt

$193.05M

Citizens & Northern Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$36.02M

-11.1%

Gross Profit

$21.77M

-22.8%

Gross Margin

60.44%

N/A

Market Cap

$425.19M

N/A

Market Cap/Employee

$1.10M

N/A

Employees

386

N/A

Net Income

$4.47M

-45.4%

EBITDA

$5.39M

-49.5%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$144.33M

+2.4%

Accounts Receivable

$11.59M

+32.7%

Inventory

$0.00

N/A

Long Term Debt

$151.40M

-26.2%

Short Term Debt

$41.66M

+1574.3%

Return on Assets

0.75%

N/A

Return on Invested Capital

5.31%

N/A

Free Cash Flow

$9.01M

-23.1%

Operating Cash Flow

$10.58M

-12.4%

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Questions About CZNC

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