CITIZENS & NORTHERN CORP

CZNCNASDAQ

🏆 #3051 by market capEarnings Oct 15US Equity

$688.83▲ $3.65 (+0.53%)

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🏦Market Cap

$458M

Small Cap

📈Revenue Growth (YoY)

+23.9%

Healthy

📊Gross Margin

—

💵FCF Margin

27.1%

Strong

⚖️P/S Ratio

2.8x

Cheap

Otter Score

Weak

No chart data available for CZNC.

Trading Snapshot

Day Range: $686.08 – $692.52
52-Week Range: $18.87 – $26.37
Volume: $2.24B
Avg Volume: $2.20B
Shares Outstanding: 17.9M
Next Earnings: Oct 31, 2026

Fundamentals Snapshot

Annual Revenue: $154M
Last Q Revenue: $39M
P/E Ratio: 18.1
P/S Ratio: 2.8x
EPS (TTM): $1.48
Dividend Yield: 3.83%
Dilution (1yr): +14.5%

Why Investors Own CZNC

✓High-growth profile — revenue up +20.8% YoY with expanding US Equity exposure.
✓Healthy economics — 32% gross margin and 4% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CITIZENS & NORTHERN CORP

CZNC

Financial Trends

Revenue

$154M▼ −0.8% YoY

Gross Margin

65.3%▼ −2.6% YoY

Operating Income

$29M▼ −10.1% YoY

Free Cash Flow

$30M▼ −3.3% YoY

Shares Outstanding

17.7M▲ +14.5% YoY

Net Cash

−$147M▼ −$66M YoY

StockOtter · stockotter.space

About CITIZENS & NORTHERN CORP

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.

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