CZNC
CITIZENS & NORTHERN CORP
Next earnings Jul 16, 2026 · consensus $0.63 EPS
Last earnings -2.7% on 2026-04-29
$23.49
▲ +4.63%$23.49▲ +32.27%
over 1Y
L $17.43EODHDH $23.61
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.6%
1W+9.0%
1M+11.1%
3M+8.1%
YTD+20.6%
1Y+32.3%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Sell
Undemanding valuation (P/E 13.9).
Return on equity 6.9% · latest
The read
Middling fundamentals and a rich price (~45% above fair value) leave little margin of safety — a wait-and-see.
CITIZENS & NORTHERN CORP shows limited reported revenue, and 6.9% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| Diluted EPS | $1.92 | $1.71 | $1.57 | $1.69 | — |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF14.0
PEG (trailing)—
Earnings yield5.6%
FCF yield7.2%
Quality & risk
ROIC (est.)—
Free cash flow$30.1M
Total debt$64.5M
Net cash-$18.5M
Piotroski F-Score3/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)3.9%
Shareholder yield3.9%
Shares Δ YoY+15.8%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-192026-06-22open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-06-052026-06-08open ↗4Period ending 2026-05-282026-05-28open ↗3Period ending 2026-05-262026-05-26open ↗4Period ending 2026-05-152026-05-21open ↗4Period ending 2026-05-152026-05-21open ↗4Period ending 2026-05-152026-05-21open ↗4Period ending 2026-05-152026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-152026-05-21open ↗
Frequently asked
- Is CITIZENS & NORTHERN CORP (CZNC) a buy?
- CZNC currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 13.9).
- What is CZNC's fair value?
- A Modified-Graham model based on CZNC's SEC fundamentals estimates a fair value of about $12.93. It is an estimate from reported earnings, not a price target.
- Is CZNC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CZNC currently appears overvalued relative to its SEC-grounded earnings power.
- What is CITIZENS & NORTHERN CORP's quality score?
- CZNC scores 63.705882352941174/100 (grade C+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000810958, latest 10-Q filed 2026-05-08) · EODHD · as of 6/28/2026, 4:09:05 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.