Citizens & Northern Corp

Financial Services

Prices are adjusted according to historical splits.

Citizens & Northern Corp Stock Price


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Company Statistics

Market Cap.:
$344.28 million
Book Value:
Revenue TTM:
$100.31 million
Operating Margin TTM:
Gross Profit TTM:
$100.31 million
Profit Margin:
Return on Assets TTM:
Return on Equity TTM:

Company Profile

Citizens & Northern Corp had its IPO on 1996-05-30 under the ticker symbol CZNC.

The company operates in the Financial Services sector and Banks-Regional industry. Citizens & Northern Corp has a staff strength of 415 employees.

Stock update

Shares of Citizens & Northern Corp opened at $22 at the start of the last trading session i.e. 2023-03-19.

The stocks traded within a range of $21.28 - $22, and closed at $21.36.

This is a -3.52% slip from the previous day's closing price.

A total volume of 85,400 shares were traded at the close of the day’s session.

In the last one week, shares of Citizens & Northern Corp have slipped by -2.78%.

Citizens & Northern Corp's Key Ratios

Citizens & Northern Corp has a market cap of $344.28 million, indicating a price to book ratio of 1.5579 and a price to sales ratio of 3.6465.

In the last 12-months Citizens & Northern Corp’s revenue was $100.31 million with a gross profit of $100.31 million and an EBITDA of $0. The EBITDA ratio measures Citizens & Northern Corp's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Citizens & Northern Corp’s operating margin was 32.25% while its return on assets stood at 1.11% with a return of equity of 9.67%.

In Q4, Citizens & Northern Corp’s quarterly earnings growth was a positive 8.8% while revenue growth was a positive 4.5%.

Citizens & Northern Corp’s PE and PEG Ratio

Forward PE
Trailing PE

Its diluted EPS in the last 12-months stands at $1.7 per share while it has a forward price to earnings multiple of 0 and a PEG multiple of 0. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Citizens & Northern Corp’s profitability.

Citizens & Northern Corp stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 3.6465.

Citizens & Northern Corp stock pays annual dividends of $1.12 per share, indicating a yield of 5.2% and a payout ratio of 65.5%.

Balance sheet and cash flow metrics

Total Assets
$2.45 billion
Total Liabilities
$80.06 million
Operating Cash Flow
Capital Expenditure
Dividend Payout Ratio

Citizens & Northern Corp ended 2023 with $2.45 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $2.45 billion while shareholder equity stood at $249.33 million.

Citizens & Northern Corp ended 2023 with $0 in deferred long-term liabilities, $80.06 million in other current liabilities, 299203000.00 in common stock, $151.74 million in retained earnings and $52.51 million in goodwill. Its cash balance stood at $55.05 million and cash and short-term investments were $553.08 million. The company’s total short-term debt was $80,062,000 while long-term debt stood at $181.78 million.

Citizens & Northern Corp’s total current assets stands at $589.72 million while long-term investments were $498.03 million and short-term investments were $498.03 million. Its net receivables were $8.65 million compared to accounts payable of $0 and inventory worth $0.

In 2023, Citizens & Northern Corp's operating cash flow was $-54440000.00 while its capital expenditure stood at $302000.

Comparatively, Citizens & Northern Corp paid $0.66 in dividends in 2023.

Other key metrics

Current Trading Price
52-Week High
52-Week Low
Analyst Target Price

Citizens & Northern Corp stock is currently trading at $21.36 per share. It touched a 52-week high of $25.1731 and a 52-week low of $25.1731. Analysts tracking the stock have a 12-month average target price of $26.

Its 50-day moving average was $22.55 and 200-day moving average was $23.35 The short ratio stood at 7.05 indicating a short percent outstanding of 0%.

Around 308.5% of the company’s stock are held by insiders while 2899.5% are held by institutions.

Frequently Asked Questions About Citizens & Northern Corp

The stock symbol (also called stock or share ticker) of Citizens & Northern Corp is CZNC

The IPO of Citizens & Northern Corp took place on 1996-05-30

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Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and lending services to individual and corporate customers. The company’s lending portfolio includes commercial, mortgage, and consumer loans, as well as specialized instruments such as commercial letters-of-credit; and offers deposit products, which includes various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. It provides wealth management services, such as retirement planning, estate planning, estate settlements, and asset management services; and insurance products through broker-dealer, which includes mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as offers reinsures credit and mortgage, life and accident, and health insurance products. The company was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.


90-92 Main Street, Wellsboro, PA, United States, 16901