Citizens & Northern Corporation
$23.68
▲
0.18%
2026-04-21 06:21:00
www.cnbankpa.com
NCM: CZNC
Explore Citizens & Northern Corporation stock price, valuation, financial statements, dividend history, analyst estimates, and long-term business fundamentals on StockSifting.
Market Cap
$425.46 M
Current Price
$23.68
52W High / Low
$24.11 / $18.02
Stock P/E
18.16
Book Value
$19.17
Dividend Yield
4.72%
ROCE
—
ROE
7.59%
Face Value
—
EPS
$1.46
Exp Qtr EPS
—
Sector
Financial Services
Industry
Banks - Regional
Employees
460
Beta
0.49
Debt / Equity
0.55
Current Ratio
—
Quick Ratio
—
Forward P/E
8.79
Price / Sales
3.65
Enterprise Value
$572.19 M
EV / EBITDA
—
EV / Revenue
4.91
Rating
None
Target Price
$25
EPS Forecast (FY)
—
Pros
- Balance sheet leverage appears manageable.
- Strong operating margin profile.
- Net margin remains healthy.
- Valuation is not stretched on P/E basis.
- Meaningful dividend yield is available.
Cons
- Return on equity is on the weaker side.
Sift Stocks
| S.No. | Name | Price | P.E. | Market Cap | Div Yld % | ROCE | ROE | 52Week High/ Low | Book Value |
|---|---|---|---|---|---|---|---|---|---|
| 1. | Citizens Financial Group, Inc. | $65.57 | 15.53 | $28.06 B | 2.8% | — | 7.24% | $68.79 / $33.95 | $56.39 |
| 2. | Unity Bancorp, Inc. | $54.46 | 9.04 | $547.85 M | 1.18% | — | 18.08% | $57.3 / $40.34 | $34.63 |
| 3. | The First Bancorp, Inc. | $29.5 | 9.62 | $330.73 M | 5.03% | — | 12.84% | $30.33 / $22.84 | $25.23 |
| 4. | Tompkins Financial Corporation | $85.25 | 7.61 | $1.23 B | 3.14% | — | 19.5% | $86.95 / $55.48 | $65.41 |
| 5. | Red River Bancshares, Inc. | $96.1 | 14.78 | $632.07 M | 1.04% | — | 12.49% | $98.85 / $49.04 | $55.52 |
| 6. | Pathfinder Bancorp, Inc. | $13.57 | 11.26 | $84.9 M | 2.95% | — | -1.58% | $16.5 / $12.06 | $19.56 |
| 7. | First Capital, Inc. | $54.73 | 11.14 | $182.33 M | 2.28% | — | 12.97% | $71 / $33.73 | $41.25 |
Quarterly Results
Figures shown in M / B
| Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | |
|---|---|---|---|---|---|---|
| Sales | 36.33 M | 29.04 M | 28.88 M | 26.6 M | 27.67 M | — |
| Operating Profit | — | — | — | — | — | — |
| Net Profit | 4.47 M | 6.55 M | 6.12 M | 6.29 M | 8.17 M | — |
| EPS in Rs | 0.25 | 0.37 | 0.34 | 0.35 | 0.46 | — |
Profit & Loss
Figures shown in M / B
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Sales | 120.84 M | 106.51 M | 103.14 M | 105.96 M |
| Operating Profit | — | — | — | — |
| Net Profit | 23.43 M | 25.96 M | 24.15 M | 26.62 M |
| EPS in Rs | 1.31 | 1.45 | 1.35 | 1.49 |
Balance Sheet
Figures shown in M / B
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Total Assets | 3.13 B | 2.61 B | 2.52 B | 2.45 B |
| Total Liabilities | 2.79 B | 2.34 B | 2.25 B | 2.2 B |
| Equity | 341.71 M | 275.28 M | 262.38 M | 249.32 M |
| Current Assets | — | — | — | — |
| Current Liabilities | — | — | — | — |
Cash Flow
Last available yearly cash flow history
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Operating CF | 32 M | 33.03 M | 33.55 M | 34.6 M |
| Investing CF | 0.2 M | -20.94 M | -53.2 M | -234.69 M |
| Financing CF | -111.07 M | 58.7 M | 24.73 M | 151.94 M |
| Free CF | 30.1 M | 31.13 M | 31.28 M | 31.31 M |
| Capex | -1.91 M | -1.91 M | -2.27 M | -3.29 M |
5Y Margin & Growth History
Last 5 year derived history from yfinance annual statements
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Revenue Growth % | 3.27% | -2.67% | — | — |
| Earnings Growth % | 7.5% | -9.28% | — | — |
| Profit Margin % | 24.37% | 23.41% | 25.12% | — |
| Operating Margin % | — | — | — | — |
| Gross Margin % | — | — | — | — |
| EBITDA Margin % | — | — | — | — |
Dividend & Split History
Latest dividend and stock split events stored from yfinance
Dividend History
| Ex Date | Dividend |
|---|---|
| 2026-02-02 | $0.28 |
| 2025-11-03 | $0.28 |
| 2025-08-04 | $0.28 |
| 2025-05-02 | $0.28 |
| 2025-02-03 | $0.28 |
Stock Splits
No stock split history available.