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Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania. more
| Time Frame | CZNC | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | 1.66% | -4.74% | -1.38% |
| 1-Month Return | 16.26% | -4.68% | -1.81% |
| 3-Month Return | 22.4% | -2.43% | 1.38% |
| 6-Month Return | 20.3% | -2.03% | 5.68% |
| 1-Year Return | 10.86% | -0.02% | 11.74% |
| 3-Year Return | 5.24% | 40.04% | 65.15% |
| 5-Year Return | 15.2% | 61.23% | 73.68% |
| 10-Year Return | 17.23% | 205.62% | 260.03% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 108.95M | 115.48M | 136.24M | 155.47M | 154.19M | [{"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 Revenue | 10.22M | 16.77M | 33.29M | 51.16M | 53.44M | [{"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 Profit | 98.73M | 98.70M | 102.95M | 104.31M | 100.75M | [{"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 Margin | 90.62% | 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 Expenses | 61.04M | 66.35M | 72.47M | 72.44M | 72.11M | [{"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 Income | 37.69M | 32.35M | 30.48M | 31.87M | 28.64M | [{"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/Expense | 66.20M | 71.35M | 65.88M | (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 Income | 37.69M | 32.35M | 30.48M | 31.87M | 28.64M | [{"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 Taxes | 7.13M | 5.73M | 6.33M | 5.91M | 5.22M | [{"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 Taxes | 30.55M | 26.62M | 24.15M | 25.96M | - | [{"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 Operations | 30.55M | 26.62M | 24.15M | 25.96M | - | [{"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 Income | 30.55M | 26.62M | 24.15M | 25.96M | 23.43M | [{"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) | 1.92 | 1.71 | 1.57 | 1.69 | 1.85 | [{"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}] |
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% |
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. | 0.76 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.12 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| CZNC | |
|---|---|
| Trailing PE | 15.86 |
| Forward PE | 11.19 |
| P/S (TTM) | 3.54 |
| P/B | 1.21 |
| Price/FCF | 38 |
| EV/R | 4.99 |
| EV/Ebitda | NM |
| PEG | NM |
Citizens & Northern Corp (CZNC) share price today is $23.88
Yes, Indians can buy shares of Citizens & Northern Corp (CZNC) on Vested. To buy
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.
You can invest in shares of Citizens & Northern Corp (CZNC) via Vested in three simple steps:
The 52-week high price of Citizens & Northern Corp (CZNC) is $24.04. The 52-week low price of Citizens & Northern Corp (CZNC) is $17.07.
The price-to-earnings (P/E) ratio of Citizens & Northern Corp (CZNC) is 15.863
The price-to-book (P/B) ratio of Citizens & Northern Corp (CZNC) is 1.21
The dividend yield of Citizens & Northern Corp (CZNC) is 4.83%
The market capitalization of Citizens & Northern Corp (CZNC) is $419.03M
The stock symbol (or ticker) of Citizens & Northern Corp is CZNC
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.
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.
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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