Citizens & Northern Corporation

Citizens & Northern Corporation (CZNC) grew revenue by 12.7% over the trailing twelve months, compared with the twelve months before.

Yes. Citizens & Northern Corporation (CZNC) earned $35.1M in net income over the trailing twelve months (a 27.7% net margin).

Yes. Citizens & Northern Corporation (CZNC) pays a dividend that yields 3.66% at the current price, a moderate yield.

Citizens & Northern Corporation (CZNC) had a return on equity (ROE) of 10.3% over the trailing twelve months. That is in line with the market's typical 10-15%.

Citizens & Northern Corporation (CZNC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

Citizens & Northern Corporation (CZNC) has an efficiency ratio of 67.5%. This is higher than peers, suggesting room for cost optimization.