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Company Analysis

Citizens & Northern Corp CZNC

A comprehensive view of key metrics, scores, and financial health for Citizens & Northern Corp

Overview of Citizens & Northern Corporation

CZNC NCM
Financial Services Banks - Regional Small Cap
Citizens & Northern Corporation (CZNC), is a Small Cap company, in the Banks - Regional industry, last closed at $23.65, about 27.1% overvalued vs fair value, +22.9% 1Y return, ranked 339/1037 in sector.
Metrics Rev Growth 44.8% ROE 7.6% Gross Margin 65.3%
$23.65
1.76%
As of April 28, 2026
Previous close • Vol 90d: 23.7%
52-Week Range
Market Cap
$423.60M
Enterprise Value
$589.61M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.cnbankpa.com
HQ Wellsboro, PA
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$17
$32
Current: $23.65 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$128.1M
12.8%%
Interest Expense
$47.4M
Net Interest Income
$79.1M
-1.6%%
Total Revenue
$154.2M
44.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.4%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.2M
62.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Citizens & Northern Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CZNC's balance between Growth (33.3%), Profitability (33.9%), and Safety (32.8%). Growth 33% Safety 33% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

56th percentile vs peers
57
Key Signals
Asset Growth YoY 20.0% 90p EPS Growth YoY 7.3% 59p NII Growth YoY -1.6% 34p Equity Growth YoY 4.9% 35p
Strengths
  • Asset Growth YoY in top 20% of peers (20.0%, 90th percentile)
  • Dividends/Tangible Equity in top 20% of peers (7.3%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

57th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
56
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Citizens & Northern Corp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.23
- - -
-27.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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