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Citizens & Northern Corp

Financial Services US CZNC

21.63USD
0.31(1.45%)

Last update at 2026-06-09T15:58:00Z

Day Range

21.3721.90
LowHigh

52 Week Range

17.2724.11
LowHigh

Fundamentals

  • Previous Close 21.32
  • Market Cap416.05M
  • Volume12551
  • P/E Ratio15.91
  • Dividend Yield4.73%
  • Revenue TTM116.63M
  • Revenue Per Share TTM7.31
  • Gross Profit TTM 116.63M
  • Diluted EPS TTM1.46

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 28.64M 31.87M 30.48M 32.35M 37.69M
Minority interest - - - - -
Net income 23.43M 25.96M 24.15M 26.62M 30.55M
Selling general administrative 53.25M 44.93M 44.20M 41.83M 48.49M
Selling and marketing expenses - 42.76M 49.55M - -
Gross profit 100.75M 104.31M 102.95M 105.96M 103.82M
Reconciled depreciation 2.36M 2.18M 2.15M 2.39M 2.13M
Ebit - 31.87M 30.48M 41.87M 37.69M
Ebitda 28.64M 34.05M 32.63M 44.26M 39.82M
Depreciation and amortization - 2.18M 2.15M 2.39M 2.13M
Non operating income net other - - - - -
Operating income 28.64M 31.87M 30.48M 41.87M 37.69M
Other operating expenses 125.55M 123.60M 105.76M 2.00M -66.13300M
Interest expense 47.36M 48.96M 33.10M 9.52M 6.56M
Tax provision 5.22M 5.91M 6.33M 5.73M 7.13M
Interest income 139.22M 128.08M 113.50M 92.65M 84.50M
Net interest income 91.85M 79.11M 80.40M 83.13M 77.94M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.22M 5.91M 6.33M 5.73M 7.13M
Total revenue 154.19M 155.47M 136.24M 105.96M 103.82M
Total operating expenses 72.11M 72.44M 72.47M 2.00M -66.13300M
Cost of revenue 53.44M 51.16M 33.29M - -
Total other income expense net - -94.03200M -14.51700M -9.51900M -6.56200M
Discontinued operations - - - - -
Net income from continuing ops 23.43M 25.96M 24.15M 26.62M 30.55M
Net income applicable to common shares - - - 26.62M 30.31M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3132.47M 2610.65M 2518.37M 2454.31M 2327.65M
Intangible assets 11.57M 2.08M 2.47M 2.88M 3.32M
Earning assets - - - - -
Other current assets -302.72800M - 66.50M 27.98M 1103.60M
Total liab 2790.76M 2335.37M 2255.99M 2204.98M 2026.24M
Total stockholder equity 341.71M 275.28M 262.38M 249.32M 301.40M
Deferred long term liab - - - - -
Other current liab - 2093.91M 782.15M -102.60800M -23.62800M
Common stock 18.30M 16.03M 16.03M 299.20M 296.38M
Capital stock 18.30M 16.03M 16.03M 299.20M 16.03M
Retained earnings 171.21M 165.78M 157.03M 151.74M 142.61M
Other liab - - - 17.36M 23.63M
Good will 63.31M 52.51M 52.51M 52.51M 52.51M
Other assets 2304.34M 2058.44M 0.00000M 1317.58M 1103.60M
Cash 46.06M 126.17M 56.88M 55.05M 104.95M
Cash and equivalents - - - - -
Total current liabilities 41.66M 2096.40M 848.80M 102.61M 23.63M
Current deferred revenue - - - - 21.82M
Net debt 147.00M 81.50M 158.45M 203.73M -27.39300M
Short term debt 41.66M 2.49M 66.66M 77.00M 1.80M
Short long term debt 27.00M 0.00000M 63.66M 77.00M 0.00000M
Short long term debt total 193.05M 207.67M 215.33M 258.78M 77.56M
Other stockholder equity 174.99M 130.24M 127.76M -151.74300M -142.61200M
Property plant equipment - - - 21.57M 20.68M
Total current assets 46.24M 357.34M 66.50M 561.73M 629.86M
Long term investments 291.32M 402.38M 415.75M 498.03M 517.68M
Net tangible assets - - - 193.94M 245.58M
Short term investments 291.32M 222.44M 415.75M 498.03M 517.68M
Net receivables 11.59M 8.73M 9.14M 8.65M 7.24M
Long term debt 160.85M 205.18M 145.72M 181.78M 77.56M
Inventory - - 47.74M 0.28M 0.68M
Accounts payable - - - 25.61M 23.63M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -22.79500M -36.76100M -38.43700M -49.87800M 5.03M
Additional paid in capital - - - - -
Common stock total equity - - - 16.03M 16.03M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 151.74M 142.61M
Treasury stock - - - -12.52000M -6.71600M
Accumulated amortization - - - - -
Non currrent assets other 660.27M 102.53M 2322.87M -20.88400M -5.88700M
Deferred long term asset charges - - - - -
Non current assets total 3086.22M 2253.31M 2451.87M 574.99M 594.18M
Capital lease obligations - - - - -
Long term debt total - - - 39.37M 47.71M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 59.94M -20.93800M -53.20200M -245.85400M -106.83800M
Change to liabilities - - - -0.58900M 0.21M
Total cashflows from investing activities 0.20M -20.93800M -53.20200M -234.68800M -103.89500M
Net borrowings -64.18600M -4.24900M 29.85M 104.30M -13.14900M
Total cash from financing activities -111.06700M 58.70M 24.73M 151.94M 68.88M
Change to operating activities - - - -1.13400M -0.36300M
Net income 23.43M 25.96M 24.15M 26.62M 30.55M
Change in cash -78.86800M 70.80M 5.08M -48.15000M -0.16900M
Begin period cash flow 123.57M 52.78M 47.70M 95.85M 96.02M
End period cash flow 44.71M 123.57M 52.78M 47.70M 95.85M
Total cash from operating activities 32.00M 33.03M 33.55M 34.60M 34.84M
Issuance of capital stock - 0.00000M 0.00000M 0.16M 0.21M
Depreciation 2.36M 2.18M 2.15M 2.39M 2.13M
Other cashflows from investing activities 0.20M -32.43200M -140.66500M 14.45M 4.81M
Dividends paid 16.29M 15.53M 15.57M -15.86500M -15.97600M
Change to inventory - - 2.70M - -
Change to account receivables -0.75500M -3.01400M -1.40000M -3.53200M 0.19M
Sale purchase of stock -0.21800M -0.62900M -6.78400M -9.34900M -7.58600M
Other cashflows from financing activities -30.37000M 79.11M 17.23M 200.95M 144.48M
Change to netincome - - - 6.87M 0.47M
Capital expenditures 1.91M 1.91M 2.27M 3.29M 1.86M
Change receivables - - - - -
Cash flows other operating - - - -3.45300M -0.72400M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -48.15000M -0.16900M
Change in working capital -5.72400M 3.15M 0.06M -4.66600M -0.17700M
Stock based compensation 1.29M 1.49M 1.47M 1.26M 1.21M
Other non cash items 14.30M 1.76M 4.88M 9.40M 2.50M
Free cash flow 28.13M 31.13M 31.28M 31.31M 32.98M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CZNC
Citizens & Northern Corp		 0.31 1.45% 21.63 15.91 11.19 3.57 1.24 5.06
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Citizens & Northern Corp

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

Key Executives

Name Title Year Born
Mr. J. Bradley Scovill Pres, CEO & Director 1959
Mr. Mark A. Hughes Treasurer 1962
Ms. Kelley A. Cwiklinski Sr. VP & Director of Commercial Lending NA
Mr. Patrick F. Donnelly Chairman of Canisteo Valley Corp, CEO of Canisteo Valley Corp and Pres of Canisteo Valley Corp NA
Mr. J. Bradley Scovill President, CEO & Director 1959
Mr. Stan R. Dunsmore EVP and Chief Credit Officer of Citizens & Northern Bank 1962
Mr. Blair T. Rush EVP and Southeast Region President of Citizens & Northern Bank 1962
Mr. Thomas L. Rudy Jr. EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank 1965
Ms. Kelley A. Cwiklinski Executive VP & Chief Commercial Lending Officer 1964
Mr. Philip Prough CFP, CIMA Senior VP & Chief Investment Strategist NA

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