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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CZNC | +7.54% | +37.94% | +6.64% | +1,571% |
| S&P | +15.06% | +95.03% | +14.29% | +2,056% |
Citizens & Northern Corp. operates as a holding company. engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's Lending products include mortgage loans, commercial loans and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Its Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $40.59M | 3.6% |
| Market Cap | $293.47M | 6.7% |
| Market Cap / Employee | $0.76M | 0.0% |
| Employees | 386 | -4.5% |
| Net Income | $6.07M | 0.0% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $160.76M | -21.6% |
| Short Term Debt | $23.49M | -36.5% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.03% | 0.1% |
| Return On Invested Capital | 6.55% | -0.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $10.26M | 15.5% |
| Operating Free Cash Flow | $10.74M | 12.6% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 13.72 | 11.06 | 11.55 | 10.88 | -7.59% |
| Price to Book | 1.09 | 1.03 | 1.13 | 1.04 | -1.04% |
| Price to Sales | 1.97 | 1.82 | 1.94 | 1.81 | -1.90% |
| Price to Tangible Book Value | 1.36 | 1.29 | 1.41 | 1.29 | -3.06% |
| Price to Free Cash Flow TTM | 24.32 | 17.26 | 26.67 | 22.51 | 3.13% |
| Free Cash Flow Yield | 4.1% | 5.8% | 3.7% | 4.4% | -3.03% |
| Return on Equity | 8.5% | 9.6% | 9.8% | 9.7% | 7.65% |
| Total Debt | $225.73M | $210.82M | $194.77M | $184.25M | -23.91% |
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