Is Citizens & Northern Corporation (CZNC) a good stock to buy?

Olyth's institutional analysis of CZNC reveals an Altman Z-Score of -0.55 and a Piotroski F-Score of 6/9. These metrics, combined with its 5-year revenue trend ($0.15B most recent), help investors decide if CZNC fits their risk profile.

What is the current P/E ratio for CZNC?

As of the latest trading session, Citizens & Northern Corporation (CZNC) has a trailing P/E ratio of 17.07.

Who is the CEO of Citizens & Northern Corporation?

The current Chief Executive Officer of Citizens & Northern Corporation is J. Bradley Scovill.

What was CZNC's revenue for the last 5 years?

According to its latest income statements, Citizens & Northern Corporation reported annual revenues of $0.15B (2025), $0.16B (2024), $0.14B (2023), $0.12B (2022), $0.11B (2021) respectively.

Does CZNC pay a dividend?

Citizens & Northern Corporation currently pays a dividend to its shareholders, with a trailing dividend yield of 4.95%.

How much debt and cash flow does CZNC have?

In its latest reporting period, Citizens & Northern Corporation generated $0.03B in Free Cash Flow against a total debt load of $0.19B.

What is the Price-to-Book (P/B) ratio of Citizens & Northern Corporation?

The Price-to-Book (P/B) ratio for Citizens & Northern Corporation (CZNC) is currently 1.17.

What is the Price-to-Sales (P/S) ratio of CZNC?

Based on trailing twelve-month data, Citizens & Northern Corporation (CZNC) trades at a Price-to-Sales (P/S) ratio of 2.24.

What is Citizens & Northern Corporation's Return on Equity (ROE)?

Citizens & Northern Corporation (CZNC) has a Return on Equity (ROE) of 7.79%, representing its profitability relative to shareholder equity.

CZNC

Citizens & Northern Corporation · Financial Services

22.64

0.98%(+0.22)

Prev. Close

23.90

5.57%(+1.26)

Pre-market

Last Updated: — ET

52W L: $18.0252W H: $24.12

$22.64

CHG+0.78 (+3.57%)

H$23.49

L$21.14

VOL707K

CZNC (1h)

Company Profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

Sector

Financial Services

Industry

Banks - Regional

Employees

386

IPO Date

1994-04-05

Beta

0.49

Websitewww.cnbankpa.com↗

CZNC

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