Citizens & Northern
(NASDAQ) CZNC
Citizens & Northern Financials at a Glance
Market Cap
$385.03M
Revenue (TTM)
$165.42M
Net Income (TTM)
$17.41M
EPS (TTM)
$1.08
P/E Ratio
19.83
Dividend
$1.12
Beta (Volatility)
0.56 (Low)
Dividend
$1.12
Beta (Volatility)
0.56 (Low)
Price
$21.56
Volume
497
Open
$21.90
Price
$21.56
Volume
497
Open
$21.90
Previous Close
$21.49
Daily Range
$21.51 - $21.90
52-Week Range
$18.16 - $24.12
Estimated Earnings Date
Jul 23, 2026
Dividend
$1.12
Beta (Volatility)
0.56 (Low)
Price
$21.56
Volume
497
Open
$21.90
Previous Close
$21.49
Daily Range
$21.51 - $21.90
52-Week Range
$18.16 - $24.12
Estimated Earnings Date
Jul 23, 2026
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Get Access NowAbout Citizens & Northern
Industry
Banks
Sector
FinancialsEmployees
460
CEO
J. Bradley Scovill
Website
www.cnbankpa.comHeadquarters
Wellsboro, PA 16901, US
CZNC Financials
Key Financial Metrics (TTM)
Gross Margin
59%
Operating Margin
13%
Net Income Margin
11%
Return on Equity
6%
Return on Capital
1%
Return on Assets
1%
Earnings Yield
5.04%
Dividend Yield
5.21%
Payout Ratio
97.41%
Stock Overview
Market Cap
$385.03M
Shares Outstanding
17.92M
Volume
497
Avg. Volume
42.00K
Financials (TTM)
Gross Profit
$100.75M
Operating Income
$28.64M
EBITDA
$31.01M
Operating Cash Flow
$32.00M
Capital Expenditure
-$1.91M
Free Cash Flow
$30.10M
Cash & ST Invst.
$337.38M
Total Debt
$193.05M
Citizens & Northern Performance Analysis
Revenue Growth Rate
Annual and quarterly growth comparisonEarnings Per Share Growth Rate
Annual and quarterly EPS growth comparisonQuarterly Performance
Revenue
$48.78M
+27.3%
Gross Profit
$23.05M
-12.6%
Gross Margin
47.24%
N/A
Market Cap
$385.03M
N/A
Market Cap/Employee
$997.48K
N/A
Employees
386
N/A
Net Income
$273.00K
-95.7%
EBITDA
$1.02M
-87.6%
Quarterly Fundamentals
Total Cash
$53.45M
-89.8%
Total Debt
$193.05M
-0.9%
Accounts Receivable
$11.90M
+28.2%
Inventory
$0.00
N/A
Long Term Debt
$139.94M
-27.9%
Short Term Debt
$53.11M
+9200.9%
Return on Assets
0.55%
N/A
Return on Invested Capital
0.68%
N/A
Free Cash Flow
$8.47M
+713.3%
Operating Cash Flow
$8.65M
+446.7%