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6Material company update
Apr 29, 2026·SEC
Material company update
Apr 28, 2026·SEC
Material company update
Apr 23, 2026·SEC
Citizens & Northern Corporation(CZNC)Earnings, Financials & Key Ratios
CZNC•NASDAQ•Banking & Credit
$21.73
$389M mkt cap·14.9× P/E·Price updated May 6, 2026
AboutCitizens & 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.Show more
- Net Interest Income$92M+16.1%
- Total Revenue$154M-0.8%
- Net Income$23M-9.8%
- Return on Equity7.59%-21.4%
- Net Interest Margin2.93%-3.2%
- Efficiency Ratio46.77%+0.4%
- ROA0.82%-19.5%
- Equity / Assets10.91%+3.5%
- Book Value per Share21.42+18.8%
- Tangible BV/Share16.73+15.7%
- Debt/Equity0.56-25.1%
CZNC Key Insights
Citizens & Northern Corporation (CZNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 46.8% efficiency ratio
- ✓Well capitalized: 10.9% equity/assets
- ✓Healthy dividend yield of 4.7%
- ✓Trading at only 1.0x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CZNC Price & Volume
Citizens & Northern Corporation (CZNC) stock price & volume — 10-year historical chart
Loading chart...
CZNC Growth Metrics
Citizens & Northern Corporation (CZNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.56%
5 Years8.95%
3 Years10.12%
TTM-
Profit CAGR
10 Years3.59%
5 Years4.04%
3 Years-4.17%
TTM-9.75%
EPS CAGR
10 Years0.79%
5 Years2.51%
3 Years-5.13%
TTM-12.43%
Return on Capital
10 Years8.42%
5 Years7.08%
3 Years5.3%
Last Year1.59%
CZNC Recent Earnings
Citizens & Northern Corporation (CZNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 29, 2026EPS
$0.02
Est $0.58
-96.6%
Revenue
$37M
Est $36M
+2.9%
Q1 2026
Feb 5, 2026EPS
$0.53
Est $0.58
-8.6%
Revenue
$36M
Est $36M
+1.2%
Q1 2026
Jan 28, 2026EPS
$0.56
Est $0.58
-3.4%
Revenue
$37M
Est $35M
+4.0%
Q4 2025
Oct 23, 2025EPS
$0.47
Est $0.53
-11.3%
Revenue
$29M
Est $29M
+1.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.02vs $0.58-96.6% | $37Mvs $36M+2.9% |
| Q1 2026 | Feb 5, 2026 | $0.53vs $0.58-8.6% | $36Mvs $36M+1.2% |
| Q1 2026 | Jan 28, 2026 | $0.56vs $0.58-3.4% | $37Mvs $35M+4.0% |
| Q4 2025 | Oct 23, 2025 | $0.47vs $0.53-11.3% | $29Mvs $29M+1.5% |
Based on last 12 quarters of dataView full earnings history →
CZNC Peer Comparison
Citizens & Northern Corporation (CZNC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 203.55M | 21.14 | 14.48 | -9.41% | 16.01% | 7.81% | 5.1% | 0.28 |
 FUNC | 242.98M | 37.40 | 11.87 | 16.94% | 18.4% | 12.52% | 8.38% | 1.05 |
 FXNC | 246.46M | 27.26 | 13.91 | 27.11% | 15.78% | 9.98% | 8.52% | 0.23 |
 MNSB | 175.49M | 23.41 | 13.30 | -1.44% | 11.49% | 7.26% | 6.06% | 0.32 |
 NBTB | 2.33B | 44.69 | 13.42 | 10.36% | 19.51% | 9.51% | 9.38% | 0.17 |
 CNOB | 1.51B | 30.08 | 20.32 | 13.44% | 13.26% | 5.49% | 6.68% | 0.74 |
 FULT | 4.15B | 21.58 | 10.38 | 5.03% | 20.71% | 11.6% | 6.85% | 0.37 |
 PFIS | 569.82M | 56.95 | 9.69 | 22.26% | 21.07% | 11.81% | 7.61% | 0.50 |
Compare CZNC vs Peers
Citizens & Northern Corporation (CZNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CZNC Income Statement
Citizens & Northern Corporation (CZNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 41.93M | 45.68M | 54.47M | 67.56M | 77.94M | 83.13M | 80.4M | 79.11M | 91.85M |
| NII Growth % | 3.95% | 8.95% | 19.23% | 24.05% | 15.35% | 6.66% | -3.28% | -1.6% | 16.1% |
| Net Interest Margin % | 3.28% | 3.54% | 3.29% | 3.02% | 3.35% | 3.39% | 3.2% | 3.03% | 2.93% |
| Interest Income | 45.84M | 50.31M | 64.75M | 77.16M | 84.5M | 92.65M | 113.5M | 128.08M | 139.22M |
| Interest Expense | 3.92M | 4.63M | 10.28M | 9.6M | 6.56M | 9.52M | 33.1M | 48.96M | 47.36M |
| Loan Loss Provision | 801K | 584K | 849K | 3.91M | 3.66M | 7.25M | 186K | 2.19M | 6.07M |
| Non-Interest Income | 15.15M | 19.35M | 18.23M | 23.28M | 24.45M | 22.83M | 22.73M | 27.39M | 14.97M |
| Non-Interest Income % | 24.84% | 27.78% | 21.97% | 23.18% | 22.44% | 19.77% | 16.69% | 17.62% | 9.71% |
| Total Revenue | 60.99M▲ 0% | 69.65M▲ 14.2% | 82.97M▲ 19.1% | 100.44M▲ 21.1% | 108.95M▲ 8.5% | 115.48M▲ 6.0% | 136.24M▲ 18.0% | 155.47M▲ 14.1% | 154.19M▼ 0.8% |
| Revenue Growth % | 2.28% | 14.21% | 19.12% | 21.05% | 8.47% | 5.99% | 17.98% | 14.11% | -0.82% |
| Non-Interest Expense | 35.68M | 38.18M | 48.43M | 63.72M | 61.04M | 66.35M | 72.47M | 72.44M | 72.11M |
| Efficiency Ratio | 58.51% | 54.82% | 58.37% | 63.44% | 56.03% | 57.46% | 53.19% | 46.59% | 46.77% |
| Operating Income | 20.59M▲ 0% | 26.26M▲ 27.6% | 23.41M▼ 10.9% | 23.21M▼ 0.8% | 37.69M▲ 62.4% | 32.35M▼ 14.2% | 30.48M▼ 5.8% | 31.87M▲ 4.6% | 28.64M▼ 10.1% |
| Operating Margin % | 33.76% | 37.7% | 28.21% | 23.11% | 34.59% | 28.01% | 22.37% | 20.5% | 18.58% |
| Operating Income Growth % | -2.46% | 27.55% | -10.87% | -0.84% | 62.36% | -14.16% | -5.77% | 4.55% | -10.13% |
| Pretax Income | 20.59M▲ 0% | 26.26M▲ 27.6% | 23.41M▼ 10.9% | 23.21M▼ 0.8% | 37.69M▲ 62.4% | 32.35M▼ 14.2% | 30.48M▼ 5.8% | 31.87M▲ 4.6% | 28.64M▼ 10.1% |
| Pretax Margin % | 33.76% | 37.7% | 28.21% | 23.11% | 34.59% | 28.01% | 22.37% | 20.5% | 18.58% |
| Income Tax | 7.16M | 4.25M | 3.9M | 3.99M | 7.13M | 5.73M | 6.33M | 5.91M | 5.22M |
| Effective Tax Rate % | 34.75% | 16.18% | 16.68% | 17.19% | 18.93% | 17.72% | 20.78% | 18.55% | 18.21% |
| Net Income | 13.43M▲ 0% | 22.01M▲ 63.9% | 19.5M▼ 11.4% | 19.22M▼ 1.4% | 30.55M▲ 59.0% | 26.62M▼ 12.9% | 24.15M▼ 9.3% | 25.96M▲ 7.5% | 23.43M▼ 9.8% |
| Net Margin % | 22.03% | 31.6% | 23.51% | 19.14% | 28.04% | 23.05% | 17.72% | 16.7% | 15.19% |
| Net Income Growth % | -14.77% | 63.86% | -11.4% | -1.45% | 58.95% | -12.88% | -9.28% | 7.5% | -9.75% |
| Net Income (Continuing) | 13.43M | 22.01M | 19.5M | 19.22M | 30.55M | 26.62M | 24.15M | 25.96M | 23.43M |
| EPS (Diluted) | 1.10▲ 0% | 1.80▲ 63.6% | 1.46▼ 18.9% | 1.29▼ 11.6% | 1.92▲ 48.8% | 1.71▼ 10.9% | 1.57▼ 8.2% | 1.69▲ 7.6% | 1.46▼ 13.6% |
| EPS Growth % | -15.38% | 63.64% | -18.89% | -11.64% | 48.84% | -10.94% | -8.19% | 7.64% | -13.61% |
| EPS (Basic) | 1.10 | 1.80 | 1.46 | 1.30 | 1.92 | 1.71 | 1.57 | 1.69 | 1.46 |
| Diluted Shares Outstanding | 12.14M | 12.26M | 13.32M | 14.75M | 15.77M | 15.46M | 15.24M | 15.26M | 15.95M |
CZNC Balance Sheet
Citizens & Northern Corporation (CZNC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 396.18M | 400.76M | 381.93M | 451.19M | 622.63M | 553.08M | 472.63M | 348.61M | 337.38M |
| Cash & Due from Banks | 40.24M | 37.49M | 35.2M | 101.86M | 104.95M | 55.05M | 56.88M | 126.17M | 46.06M |
| Short Term Investments | 355.94M | 363.27M | 346.72M | 349.33M | 517.68M | 498.03M | 415.75M | 222.44M | 291.32M |
| Total Investments | 1.16B | 1.18B | 1.52B | 1.98B | 2.07B | 2.22B | 2.24B | 2.28B | 2.61B |
| Investments Growth % | 2.28% | 1.56% | 28.59% | 30.33% | 4.38% | 7.37% | 1.05% | 1.49% | 14.77% |
| Long-Term Investments | 808.59M | 819.42M | 1.17B | 1.63B | 1.55B | 1.72B | 1.83B | 2.06B | 2.32B |
| Accounts Receivables | 4.05M | 3.97M | 5M | 8.29M | 7.24M | 8.65M | 9.14M | 8.73M | 11.59M |
| Goodwill & Intangibles | 11.95M | 11.95M | 29.64M | 56.36M | 55.82M | 55.38M | 54.97M | 54.59M | 74.88M |
| Goodwill | 11.94M | 11.94M | 28.39M | 52.51M | 52.51M | 52.51M | 52.51M | 52.51M | 63.31M |
| Intangible Assets | 12K | 9K | 1.25M | 3.85M | 3.32M | 2.88M | 2.47M | 2.08M | 11.57M |
| PP&E (Net) | 15.43M | 14.59M | 17.17M | 21.53M | 20.68M | 21.57M | 21.63M | 21.34M | 27.75M |
| Other Assets | 37.46M | 36.09M | 43.66M | 66.21M | 64.08M | 71.31M | 110.83M | 102.53M | 660.27M |
| Total Current Assets | 400.23M | 404.73M | 386.93M | 459.48M | 629.86M | 561.73M | 481.77M | 357.34M | 46.24M |
| Total Non-Current Assets | 876.73M | 886.16M | 1.27B | 1.78B | 1.7B | 1.89B | 2.03B | 2.25B | 3.09B |
| Total Assets | 1.28B▲ 0% | 1.29B▲ 1.1% | 1.65B▲ 28.1% | 2.24B▲ 35.4% | 2.33B▲ 4.0% | 2.45B▲ 5.4% | 2.52B▲ 2.5% | 2.61B▲ 3.8% | 3.13B▲ 20.0% |
| Asset Growth % | 2.79% | 1.09% | 28.14% | 35.36% | 3.95% | 5.44% | 2.5% | 3.78% | 19.99% |
| Return on Assets (ROA) | 1.07% | 1.71% | 1.32% | 0.99% | 1.34% | 1.11% | 0.97% | 1.01% | 0.82% |
| Accounts Payable | 9.11M | 10.98M | 12.19M | 27.69M | 23.63M | 25.61M | 0 | 0 | 0 |
| Total Debt | 70.95M | 48.77M | 144.85M | 91.18M | 77.56M | 181.78M | 211.76M | 207.67M | 193.05M |
| Net Debt | 30.71M | 11.28M | 109.64M | -10.67M | -27.39M | 126.73M | 154.88M | 81.5M | 147M |
| Long-Term Debt | 9.19M | 35.91M | 58.63M | 71.16M | 75.75M | 62.6M | 177.88M | 205.18M | 148.53M |
| Short-Term Debt | 61.77M | 12.85M | 86.22M | 20.02M | 1.8M | 119.18M | 33.87M | 2.49M | 41.66M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 26.64M | 33.79M | 2.6B |
| Total Current Liabilities | 1.08B | 1.06B | 1.35B | 1.87B | 1.95B | 2.14B | 2.05B | 2.1B | 41.66M |
| Total Non-Current Liabilities | 9.19M | 35.91M | 58.63M | 71.16M | 75.75M | 62.6M | 204.52M | 238.97M | 2.75B |
| Total Liabilities | 1.09B | 1.09B | 1.41B | 1.94B | 2.03B | 2.2B | 2.25B | 2.34B | 2.79B |
| Total Equity | 188.44M▲ 0% | 197.37M▲ 4.7% | 244.45M▲ 23.9% | 299.76M▲ 22.6% | 301.4M▲ 0.6% | 249.32M▼ 17.3% | 262.38M▲ 5.2% | 275.28M▲ 4.9% | 341.71M▲ 24.1% |
| Equity Growth % | 1.31% | 4.74% | 23.86% | 22.62% | 0.55% | -17.28% | 5.24% | 4.92% | 24.13% |
| Equity / Assets (Capital Ratio) | 14.76% | 15.29% | 14.78% | 13.39% | 12.95% | 10.16% | 10.43% | 10.54% | 10.91% |
| Return on Equity (ROE) | 7.18% | 11.41% | 8.83% | 7.06% | 10.17% | 9.67% | 9.44% | 9.66% | 7.59% |
| Book Value per Share | 15.52 | 16.10 | 18.35 | 20.33 | 19.11 | 16.13 | 17.21 | 18.04 | 21.42 |
| Tangible BV per Share | 14.53 | 15.12 | 16.12 | 16.51 | 15.57 | 12.55 | 13.61 | 14.46 | 16.73 |
| Common Stock | 12.65M | 12.65M | 13.94M | 15.98M | 16.03M | 16.03M | 16.03M | 16.03M | 18.3M |
| Additional Paid-in Capital | 72.03M | 72.6M | 104.52M | 143.64M | 144.45M | 143.95M | 144.39M | 143.56M | 185.7M |
| Retained Earnings | 113.61M | 122.64M | 126.48M | 129.7M | 142.61M | 151.74M | 157.03M | 165.78M | 171.21M |
| Accumulated OCI | -1.51M | -4.17M | 3.69M | 11.79M | 5.03M | -49.88M | -38.44M | -36.76M | -22.8M |
| Treasury Stock | -8.35M | -6.36M | -4.17M | -1.37M | -6.72M | -12.52M | -16.63M | -13.33M | -10.7M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CZNC Cash Flow Statement
Citizens & Northern Corporation (CZNC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 19.37M | 25.89M | 22.46M | 24.78M | 34.84M | 34.6M | 33.55M | 33.03M | 32M |
| Operating CF Growth % | 4.67% | 33.64% | -13.25% | 10.34% | 40.59% | -0.7% | -3.04% | -1.53% | -3.12% |
| Net Income | 13.43M | 22.01M | 19.5M | 19.22M | 30.55M | 26.62M | 24.15M | 25.96M | 23.43M |
| Depreciation & Amortization | 1.64M | 1.75M | 1.75M | 1.98M | 2.13M | 2.39M | 2.15M | 2.18M | 0 |
| Deferred Taxes | 2.15M | -187K | 172K | -361K | -1.38M | -400K | 836K | -1.5M | 0 |
| Other Non-Cash Items | 1.01M | 224K | 1.19M | 3M | 2.44M | 9.4M | 4.88M | 1.76M | 14.3M |
| Working Capital Changes | 506K | 1.23M | -951K | -111K | -109K | -4.67M | 58K | 3.15M | -5.72M |
| Cash from Investing | -30.91M | -21.65M | 22.67M | 96.58M | -103.89M | -234.69M | -53.2M | -20.94M | 196K |
| Purchase of Investments | -51.48M | -90.02M | -57.66M | -105.35M | -243.93M | -113.72M | -23.41M | -25.79M | 0 |
| Sale/Maturity of Investments | 87.8M | 80.56M | 177.35M | 123.43M | 63.71M | 62.77M | 113.14M | 39.19M | 0 |
| Net Investment Activity | 36.32M | -9.45M | 119.7M | 18.07M | -180.21M | -50.94M | 89.73M | 13.4M | 0 |
| Acquisitions | 0 | 0 | -1.78M | 75.95M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -65.53M | -11.03M | -92.38M | 5.69M | 78.18M | -180.46M | -140.66M | -32.43M | 196K |
| Cash from Financing | 19.91M | -8.42M | -46.83M | -56.47M | 68.88M | 151.94M | 24.73M | 58.7M | -111.07M |
| Dividends Paid | -11.14M | -11.75M | -14.04M | -14.47M | -15.98M | -15.87M | -15.57M | -15.53M | -16.29M |
| Share Repurchases | 0 | 0 | -189K | -163K | -7.59M | -9.35M | -6.78M | -629K | -218K |
| Stock Issued | 127K | 189K | 198K | 131K | 212K | 160K | 0 | 0 | 0 |
| Net Stock Activity | 127K | 189K | 9K | -32K | -7.37M | -9.19M | -6.78M | -629K | -218K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 24.73M | 25.32M | -4.82M | 86.94M | 105.38M | 72.69M | 17.23M | 79.11M | -30.37M |
| Net Change in Cash | 8.38M▲ 0% | -4.18M▼ 149.8% | -1.71M▲ 59.2% | 64.89M▲ 3906.2% | -169K▼ 100.3% | -48.15M▼ 28391.1% | 5.08M▲ 110.6% | 70.8M▲ 1293.6% | -78.87M▼ 211.4% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 28.62M | 37M | 32.83M | 31.12M | 96.02M | 95.85M | 47.7M | 52.78M | 123.57M |
| Cash at End | 37M | 32.83M | 31.12M | 96.02M | 95.85M | 47.7M | 52.78M | 123.57M | 44.71M |
| Interest Paid | 3.93M | 4.53M | 9.6M | 10.74M | 8.17M | 9.5M | 31.94M | 48.56M | 49.05M |
| Income Taxes Paid | 4.91M | 4.28M | 3.23M | 3.14M | 10.1M | 5.56M | 6.38M | 4.84M | 8.79M |
| Free Cash Flow | 17.68M▲ 0% | 24.73M▲ 39.9% | 19.59M▼ 20.8% | 21.65M▲ 10.5% | 32.98M▲ 52.4% | 31.31M▼ 5.1% | 31.28M▼ 0.1% | 31.13M▼ 0.5% | 28.13M▼ 9.6% |
| FCF Growth % | 4.41% | 39.87% | -20.76% | 10.49% | 52.35% | -5.06% | -0.09% | -0.49% | -9.64% |
CZNC Banking Ratios
Citizens & Northern Corporation (CZNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.44% | 7.18% | 11.41% | 8.83% | 7.06% | 10.17% | 9.67% | 9.44% | 9.66% | 7.59% |
| Return on Assets (ROA) | 1.28% | 1.07% | 1.71% | 1.32% | 0.99% | 1.34% | 1.11% | 0.97% | 1.01% | 0.82% |
| Net Interest Margin | 3.25% | 3.28% | 3.54% | 3.29% | 3.02% | 3.35% | 3.39% | 3.2% | 3.03% | 2.93% |
| Efficiency Ratio | 56.36% | 58.51% | 54.82% | 58.37% | 63.44% | 56.03% | 57.46% | 53.19% | 46.59% | 46.77% |
| Equity / Assets | 14.97% | 14.76% | 15.29% | 14.78% | 13.39% | 12.95% | 10.16% | 10.43% | 10.54% | 10.91% |
| Book Value / Share | 15.42 | 15.52 | 16.1 | 18.35 | 20.33 | 19.11 | 16.13 | 17.21 | 18.04 | 21.42 |
| NII Growth | 1.77% | 3.95% | 8.95% | 19.23% | 24.05% | 15.35% | 6.66% | -3.28% | -1.6% | 16.1% |
| Dividend Payout | 70.5% | 82.96% | 53.36% | 71.99% | 75.27% | 52.29% | 59.6% | 64.47% | 59.83% | 69.55% |
CZNC SEC Filings & Documents
Citizens & Northern Corporation (CZNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
CZNC Frequently Asked Questions
Citizens & Northern Corporation (CZNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Citizens & Northern Corporation (CZNC) saw revenue decline by 0.8% over the past year.
Yes, Citizens & Northern Corporation (CZNC) is profitable, generating $23.4M in net income for fiscal year 2025 (15.2% net margin).
Dividend & Returns
Yes, Citizens & Northern Corporation (CZNC) pays a dividend with a yield of 4.70%. This makes it attractive for income-focused investors.
Citizens & Northern Corporation (CZNC) has a return on equity (ROE) of 7.6%. This is below average, suggesting room for improvement.
Industry Metrics
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 46.8%. This is excellent, indicating strong cost control.
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Citizens & Northern Corporation (CZNC) financial analysis — history, returns, DCA and operating performance tools
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