Skip to content
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 Framework: Banks & Lenders Small Cap
Citizens & Northern Corporation (CZNC), is a Small Cap company, in the Banks - Regional industry, last closed at $27.49, about 26.7% overvalued vs fair value, +41.0% 1Y return, placing in the top 25% of its sector.
Metrics P/E 13.7× Rev Growth 13.5% ROE 7.6% Gross Margin 83.4% Div Yield 4.54%
USD 27.49
-1.26%
(Delayed)
• Vol 90d: 21.7%
52-Week Range
Market Cap
$493.46M
Enterprise Value
$580.58M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$38
Current: $27.49 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$139.2M
8.7%%
Interest Expense
$47.4M
Net Interest Income
$91.9M
16.1%%
Total Revenue
$120.8M
13.5%%
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
6.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.5M
71.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
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
43
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.94).

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.37).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.25).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
51
Premium

Signals, strengths and risks for Deposit Franchise

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

Signals, strengths and risks for Risk Management

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 (44.5%), Profitability (25.8%), and Safety (29.8%). Growth 44% Safety 30% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

68th percentile vs peers
69
Key Signals
Asset Growth YoY 20.0% 87p NII Growth YoY 16.1% 68p Equity Growth YoY 24.1% 89p EPS Growth YoY -13.6% 16p
Strengths
  • Asset Growth YoY in top 20% of peers (20.0%, 87th percentile)
  • Equity Growth YoY in top 20% of peers (24.1%, 89th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-13.6%)

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

45th percentile vs peers
46
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$20.16
- - -
-26.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000