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Citizens & Northern Corporation

CZNC • Banks - Regional
$26.11
▲ +0.28 (+1.08%)
Current price
EarningsLatest report: Mar 31, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Solid company profile with reasonable valuation support. The data suggests a balanced quality/value setup.
Market Cap
$461.24M
Growth
4.0%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 15.2%Positive revenue growth · 8.8%Positive free cash flow · 1.89Consistent free cash flow · 5/5Reasonable earnings multiple · 13.73
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: May 8, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$26.11
Change1.08%
Shares Out17.67M
Market Cap$461.24M
Enterprise Value$600.83M
52W Range18.16 - 24.12
Beta0.42
P/E26.50
P/S2.79
P/B1.37
P/FCF12.15
EV/Sales3.63

Investment DNA

How strong this company looks for long-term investors

72
out of 100
Business Quality
Margins, moat, returns
68/100
Financial Strength
Debt, cash, stability
57/100
Growth Potential
Revenue and expansion
54/100
Price Attractiveness
Cheap or expensive today
83/100
Why this score▼
Stable or improving margins · 15.2%Positive revenue growth · 8.8%Positive free cash flow · 1.89Consistent free cash flow · 5/5Reasonable earnings multiple · 13.73Manageable debt level · 0.56

Analyst view

Analyst sentiment and price target

CZNC
Analyst sentiment
Based on 1 analyst votes · 2026-09-05
50/100
Neutral
Bullish
0
Hold
1
Bearish
0
Price Target
2026-06-23
Low
$23.50
Mean
$23.50
Median
$23.50
High
$23.50

Company Overview

IPO: 4/5/1994
Industry: Banks - Regional
P/B i: 1.37
Debt / Equity i: 0.56
Operating Margin: 18.58%
Net Margin: 15.19%
ROE i: -
ROIC: -

Financial Health

Score11 / 20
Debt / Equity: 0.56
Current Ratio: 1.11
Quick Ratio: 1.11
Status: Moderate

Insider Transactions

Recent executive and insider activity

Van Sant William F III
Transaction: 06/19/2026
BUY
Change
+6,861
Price
$21.86
Filing
06/22/2026
Type
BUY
Pellegrino Frank G
Transaction: 06/05/2026
BUY
Change
+190
Price
$21.44
Filing
06/08/2026
Type
BUY
Shattuck Katherine W
Transaction: 06/05/2026
BUY
Change
+10
Price
$21.44
Filing
06/08/2026
Type
BUY