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Citizens & Northern Corp Analyst Forecast

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Citizens & Northern Corp Stock Returns

Time FrameCZNCSectorS&P500
1-Week Return-1.79%-1.52%-1.21%
1-Month Return-7.79%-5.56%-2.04%
3-Month Return0.27%-9.76%-0.35%
6-Month Return9.44%-8.84%1.5%
1-Year Return8.09%0.43%17.99%
3-Year Return2.57%59.13%70.94%
5-Year Return-5.44%43.15%68.43%
10-Year Return8.09%168.18%227.66%

Citizens & Northern Corp Financials

Dec '21Dec '22Dec '23Dec '24Dec '255YR TREND
Total Revenue108.95M115.48M136.24M155.47M154.19M[{"date":"2021-12-31","value":70.08,"profit":true},{"date":"2022-12-31","value":74.28,"profit":true},{"date":"2023-12-31","value":87.63,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":99.18,"profit":true}]
Cost of Revenue10.22M16.77M33.29M51.16M53.44M[{"date":"2021-12-31","value":19.13,"profit":true},{"date":"2022-12-31","value":31.39,"profit":true},{"date":"2023-12-31","value":62.3,"profit":true},{"date":"2024-12-31","value":95.74,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Gross Profit98.73M98.70M102.95M104.31M100.75M[{"date":"2021-12-31","value":94.65,"profit":true},{"date":"2022-12-31","value":94.62,"profit":true},{"date":"2023-12-31","value":98.69,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":96.59,"profit":true}]
Gross Margin90.62%85.47%75.56%67.09%65.34%[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":94.33,"profit":true},{"date":"2023-12-31","value":83.39,"profit":true},{"date":"2024-12-31","value":74.04,"profit":true},{"date":"2025-12-31","value":72.11,"profit":true}]
Operating Expenses61.04M66.35M72.47M72.44M72.11M[{"date":"2021-12-31","value":84.23,"profit":true},{"date":"2022-12-31","value":91.57,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":99.96,"profit":true},{"date":"2025-12-31","value":99.51,"profit":true}]
Operating Income37.69M32.35M30.48M31.87M28.64M[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":85.84,"profit":true},{"date":"2023-12-31","value":80.88,"profit":true},{"date":"2024-12-31","value":84.57,"profit":true},{"date":"2025-12-31","value":76,"profit":true}]
Total Non-Operating Income/Expense66.20M71.35M65.88M(14.92M)-[{"date":"2021-12-31","value":92.78,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":92.34,"profit":true},{"date":"2024-12-31","value":-20.91,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income37.69M32.35M30.48M31.87M28.64M[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":85.84,"profit":true},{"date":"2023-12-31","value":80.88,"profit":true},{"date":"2024-12-31","value":84.57,"profit":true},{"date":"2025-12-31","value":76,"profit":true}]
Income Taxes7.13M5.73M6.33M5.91M5.22M[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":80.36,"profit":true},{"date":"2023-12-31","value":88.81,"profit":true},{"date":"2024-12-31","value":82.9,"profit":true},{"date":"2025-12-31","value":73.12,"profit":true}]
Income After Taxes30.55M26.62M24.15M25.96M-[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":87.12,"profit":true},{"date":"2023-12-31","value":79.03,"profit":true},{"date":"2024-12-31","value":84.96,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Continuous Operations30.55M26.62M24.15M25.96M-[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":87.12,"profit":true},{"date":"2023-12-31","value":79.03,"profit":true},{"date":"2024-12-31","value":84.96,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations-----[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income30.55M26.62M24.15M25.96M23.43M[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":87.12,"profit":true},{"date":"2023-12-31","value":79.03,"profit":true},{"date":"2024-12-31","value":84.96,"profit":true},{"date":"2025-12-31","value":76.67,"profit":true}]
EPS (Diluted)1.921.711.571.691.85[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":89.06,"profit":true},{"date":"2023-12-31","value":81.77,"profit":true},{"date":"2024-12-31","value":88.02,"profit":true},{"date":"2025-12-31","value":96.52,"profit":true}]

Citizens & Northern Corp Ratios

Citizens & Northern Corp Liquidity Ratios

These ratios help you determine the liquidity of the company. Higher is better.

CZNC
Cash Ratio 13.32
Current Ratio 13.32

Citizens & Northern Corp Asset Efficiency Ratios

These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.

CZNC
ROA (LTM) 0.82%
ROE (LTM) 7.59%

Citizens & Northern Corp Liability Ratios

These ratios help you understand the company's liabilities, gauging the riskiness of the investment.

CZNC
Debt Ratio Lower is generally better. Negative is bad. 0.89
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. 0.11

Citizens & Northern Corp Valuation Ratios

These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.

CZNC
Trailing PE 15.01
Forward PE 11.19
P/S (TTM) 3.35
P/B 1.13
Price/FCF 43
EV/R 4.77
EV/Ebitda NM
PEG 1.21

FAQs

What is Citizens & Northern Corp share price today?

Citizens & Northern Corp (CZNC) share price today is $21.91

Can Indians buy Citizens & Northern Corp shares?

Yes, Indians can buy shares of Citizens & Northern Corp (CZNC) on Vested. To buy

from India, you can open a US Brokerage account on Vested today by clicking on Sign Up or Invest in CZNC stock at the top of this page. The account opening process is completely digital and secure, and takes a few minutes to complete.

Can Fractional shares of Citizens & Northern Corp be purchased?

Yes, you can purchase fractional shares of Citizens & Northern Corp (CZNC) via the Vested app. You can start investing in Citizens & Northern Corp (CZNC) with a minimum investment of $1.

How to invest in Citizens & Northern Corp shares from India?

You can invest in shares of Citizens & Northern Corp (CZNC) via Vested in three simple steps:

  • Click on Sign Up or Invest in CZNC stock at the top of this page
  • Breeze through our fully digital and secure KYC process and open your US Brokerage account in a few minutes
  • Transfer USD funds to your US Brokerage account and start investing in Citizens & Northern Corp shares
What is Citizens & Northern Corp 52-week high and low stock price?

The 52-week high price of Citizens & Northern Corp (CZNC) is $24.11. The 52-week low price of Citizens & Northern Corp (CZNC) is $17.07.

What is Citizens & Northern Corp price-to-earnings (P/E) ratio?

The price-to-earnings (P/E) ratio of Citizens & Northern Corp (CZNC) is 15.0068

What is Citizens & Northern Corp price-to-book (P/B) ratio?

The price-to-book (P/B) ratio of Citizens & Northern Corp (CZNC) is 1.13

What is Citizens & Northern Corp dividend yield?

The dividend yield of Citizens & Northern Corp (CZNC) is 5.17%

What is the Market Cap of Citizens & Northern Corp?

The market capitalization of Citizens & Northern Corp (CZNC) is $390.51M

What is Citizens & Northern Corp's stock symbol?

The stock symbol (or ticker) of Citizens & Northern Corp is CZNC

How Can Investors Use Citizens & Northern Corp Share Price Data for Long-Term Investment Decisions?

Consider the share price of Citizens & Northern Corp as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Citizens & Northern Corp has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.

How does USD - INR currency movement impact returns from Citizens & Northern Corp shares for Indian investors?

When investing in Citizens & Northern Corp shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Citizens & Northern Corp stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.

How should investors compare Citizens & Northern Corp share price with other stocks in the same sector?

Rather than merely checking the share price of Citizens & Northern Corp and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Citizens & Northern Corp stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.

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