Frequently Asked Questions about Citizens & Northern Corporation (CZNC)

Name: Citizens & Northern Corporation (CZNC) Institutional Financial Dataset
Creator: Olyth
License: https://olyth.xyz

Question 1

What does Citizens & Northern Corporation (CZNC) do?

Accepted Answer

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...

Question 2

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

Accepted Answer

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.

Question 3

What is the current P/E ratio for CZNC?

Accepted Answer

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

Question 4

Who is the CEO of Citizens & Northern Corporation?

Accepted Answer

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

Question 5

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

Accepted Answer

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.

Question 6

Does CZNC pay a dividend?

Accepted Answer

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

Question 7

How much debt and cash flow does CZNC have?

Accepted Answer

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

Question 8

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

Accepted Answer

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

Question 9

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

Accepted Answer

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

Question 10

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

Accepted Answer

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

Period	Total Assets	Total Liabilities	Total Equity	Total Debt	Net Debt
2025-12	3.1B	2.8B	341.7M	193.1M	147M
2024-12	2.6B	2.3B	275.3M	207.7M	81.5M
2023-12	2.5B	2.3B	262.4M	211.8M	154.9M
2022-12	2.5B	2.2B	249.3M	181.8M	126.7M
2021-12	2.3B	2B	301.4M	77.6M	-27.4M

Period	Total Assets	Total Liabilities	Total Equity	Total Debt	Net Debt
2025-12	3.1B	2.8B	341.7M	193.1M	147M
2024-12	2.6B	2.3B	275.3M	207.7M	81.5M
2023-12	2.5B	2.3B	262.4M	211.8M	154.9M
2022-12	2.5B	2.2B	249.3M	181.8M	126.7M
2021-12	2.3B	2B	301.4M	77.6M	-27.4M