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Citizens & Northern Corporation CZNC

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Price alert · CZNC

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28.03 USD +0.21 +0.75%

At close · Oct 30

28.03 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
27.98 × 2
Ask
28.04 × 2
27.92 Day range 28.49
19.02 52-week range 28.15
YTD
+38.97%
1 year
+43.82%
Open
27.99
Prev close
27.82
Mkt cap
502.71M
Vol
58.23K
Avg vol
63.31K
EPS
1.96
P/E
14.30
Div yield
6.05%
More statistics
Low
27.92
High
28.49
Forward P/E
10.45
Beta
0.45
Short ratio
1.82
Inst. own
33.03%
Dividend
1.12
Ex-div date
Oct 27, 2024
50-d avg
19.83
200-d avg
18.75
1y target
21.00

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Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 13.8×
FY 2016: 20.2×FY 2017: 21.8×FY 2018: 14.7×FY 2019: 19.3×FY 2020: 15.3×FY 2021: 13.6×FY 2022: 13.4×FY 2023: 14.3×FY 2024: 11.0×FY 2025: 13.8×
FY 2016 5y median 13.6× FY 2025
P/S 2.1×
FY 2016: 5.3×FY 2017: 4.8×FY 2018: 4.6×FY 2019: 4.5×FY 2020: 2.9×FY 2021: 3.8×FY 2022: 3.1×FY 2023: 2.5×FY 2024: 1.8×FY 2025: 2.1×
FY 2016 5y median 2.5× FY 2025
P/B 0.9×
FY 2016: 1.7×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 1.4×FY 2023: 1.3×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.3× FY 2025
P/FCF 10.7×
FY 2016: 18.6×FY 2017: 16.4×FY 2018: 13.1×FY 2019: 19.2×FY 2020: 13.5×FY 2021: 12.5×FY 2022: 11.3×FY 2023: 10.9×FY 2024: 9.1×FY 2025: 10.7×
FY 2016 5y median 10.9× FY 2025
EV/EBITDA 15.1×
FY 2016: 15.3×FY 2017: 14.5×FY 2018: 11.9×FY 2019: 19.3×FY 2020: 11.2×FY 2021: 9.7×FY 2022: 13.8×FY 2023: 15.2×FY 2024: 10.7×FY 2025: 15.1×
FY 2016 5y median 13.8× FY 2025
EV/Sales 3.0×
FY 2016: 5.8×FY 2017: 5.3×FY 2018: 4.8×FY 2019: 5.8×FY 2020: 2.8×FY 2021: 3.5×FY 2022: 4.2×FY 2023: 3.6×FY 2024: 2.4×FY 2025: 3.0×
FY 2016 5y median 3.5× FY 2025
FCF Yield 9.4%
FY 2016: 5.4%FY 2017: 6.1%FY 2018: 7.6%FY 2019: 5.2%FY 2020: 7.4%FY 2021: 8.0%FY 2022: 8.9%FY 2023: 9.2%FY 2024: 11.0%FY 2025: 9.4%
FY 2016 5y median 9.2% FY 2025

Profitability

Gross Margin 65.3%
FY 2016: 91.8%FY 2017: 92.3%FY 2018: 92.5%FY 2019: 86.6%FY 2020: 86.6%FY 2021: 90.6%FY 2022: 85.5%FY 2023: 75.6%FY 2024: 67.1%FY 2025: 65.3%
FY 2016 5y median 75.6% FY 2025
Operating Margin 18.6%
FY 2016: 35.4%FY 2017: 33.8%FY 2018: 37.7%FY 2019: 28.2%FY 2020: 23.1%FY 2021: 34.6%FY 2022: 28.0%FY 2023: 22.4%FY 2024: 20.5%FY 2025: 18.6%
FY 2016 5y median 22.4% FY 2025
Net Margin 15.2%
FY 2016: 26.4%FY 2017: 22.0%FY 2018: 31.6%FY 2019: 23.5%FY 2020: 19.1%FY 2021: 28.0%FY 2022: 23.1%FY 2023: 17.7%FY 2024: 16.7%FY 2025: 15.2%
FY 2016 5y median 17.7% FY 2025
ROE 6.9%
FY 2016: 8.5%FY 2017: 7.1%FY 2018: 11.2%FY 2019: 8.0%FY 2020: 6.4%FY 2021: 10.1%FY 2022: 10.7%FY 2023: 9.2%FY 2024: 9.4%FY 2025: 6.9%
FY 2016 5y median 9.4% FY 2025
ROIC 0.7%
FY 2016: 6.3%FY 2017: 5.2%FY 2018: 8.9%FY 2019: 5.0%FY 2020: 4.9%FY 2021: 8.1%FY 2022: 6.2%FY 2023: 4.8%FY 2024: 5.0%FY 2025: 0.7%
FY 2016 5y median 5.0% FY 2025
ROA 0.7%
FY 2016: 1.3%FY 2017: 1.1%FY 2018: 1.7%FY 2019: 1.2%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 0.7%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue -0.8%
FY 2016: -3.6%FY 2017: 2.3%FY 2018: 14.2%FY 2019: 19.1%FY 2020: 21.1%FY 2021: 8.5%FY 2022: 6.0%FY 2023: 18.0%FY 2024: 14.1%FY 2025: -0.8%
FY 2016 FY 2025
Operating Income -10.1%
FY 2016: -3.2%FY 2017: -2.5%FY 2018: 27.6%FY 2019: -10.9%FY 2020: -0.8%FY 2021: 62.4%FY 2022: -14.2%FY 2023: -5.8%FY 2024: 4.6%FY 2025: -10.1%
FY 2016 FY 2025
EPS (diluted) -13.6%
FY 2016: -3.7%FY 2017: -15.4%FY 2018: 63.6%FY 2019: -18.9%FY 2020: -11.6%FY 2021: 48.8%FY 2022: -10.9%FY 2023: -8.2%FY 2024: 7.6%FY 2025: -13.6%
FY 2016 FY 2025
Free Cash Flow -3.3%
FY 2016: -9.2%FY 2017: 4.4%FY 2018: 39.9%FY 2019: -20.8%FY 2020: 10.5%FY 2021: 52.4%FY 2022: -5.1%FY 2023: -0.1%FY 2024: -0.5%FY 2025: -3.3%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.6×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 1.4×FY 2017: 1.4×FY 2018: 0.4×FY 2019: 4.4×FY 2020: -0.4×FY 2021: -0.7×FY 2022: 3.6×FY 2023: 4.7×FY 2024: 2.4×FY 2025: 4.7×
FY 2016 5y median 3.6× FY 2025
Interest Coverage 0.6×
FY 2016: 5.7×FY 2017: 5.3×FY 2018: 5.7×FY 2019: 2.3×FY 2020: 2.4×FY 2021: 5.7×FY 2022: 3.4×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 5.1%
FY 2016: 3.5%FY 2017: 3.8%FY 2018: 3.6%FY 2019: 3.7%FY 2020: 4.9%FY 2021: 3.9%FY 2022: 4.5%FY 2023: 4.6%FY 2024: 5.5%FY 2025: 5.1%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 69.5%
FY 2016: 70.5%FY 2017: 83.0%FY 2018: 53.4%FY 2019: 72.0%FY 2020: 75.3%FY 2021: 52.3%FY 2022: 59.6%FY 2023: 64.5%FY 2024: 59.8%FY 2025: 69.5%
FY 2016 5y median 59.8% FY 2025

Annual · latest fiscal year ends 2025-12-31