CZNC
NEUTRAL
$22.89
Live
Citizens & Northern Corporation · NASDAQ
Target $25.0
(+9.2%)
$18.02
52W Range
$24.12
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$409.97M
P/E
15.68
ROE
7.6%
Profit margin
20.1%
Debt/Equity
N/A
Dividend yield
4.9%
AI Analysis
AI-powered fundamental assessment
Confidence
55%
CZNC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.
Key Strengths
Strong profitability (20.1% margin)
Strong revenue growth of 24.5%
Key Risks
Limited historical data available for full assessment
Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.
AI Fair Value Estimate
Based on comprehensive analysis
$10.22
-55.4% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
56
Moderate
50
65
60
50
55
AI Verdict
CZNC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.
Key drivers: Strong profitability (20.1% margin), Strong revenue growth of 24.5%, Limited historical data available for full assessment
Confidence
65%
Value
50/100
Rule-based valuation (P/E + Graham).
Positives
- Trades below Graham Number.
Watchpoints
- Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.
Future
65/100
Rule-based growth outlook.
Positives
- Revenue growth running at 24.5%.
Watchpoints
No urgent risks highlighted.
Past
60/100
Historical performance + price trend: Shares moved +26.8% over 5Y and +25.9% over 1Y.
Positives
- Healthy profit margin of 20.1%.
Watchpoints
No urgent risks highlighted.
Health
50/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
55/100
Dividend policy fallback.
Positives
- Moderate dividend profile (Score: 55/100).
- Yield: 4.9%.
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$22.89
Analyst Target
$25.0
Upside/Downside
+9.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CZNC and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CZNC
Citizens & Northern Corporation
Primary
|
+26.8% | +30.9% | +25.9% | +20.2% | +2.7% | +2.5% |
|
BWFG
Bankwell Financial Group, Inc.
Peer
|
+112.0% | +132.2% | +83.3% | +18.3% | +9.1% | +4.5% |
|
BSVN
Bank7 Corp.
Peer
|
+177.2% | +89.9% | +18.6% | -7.5% | +4.5% | +4.4% |
|
BMRC
Bank of Marin Bancorp
Peer
|
-19.0% | +2.4% | +16.9% | +13.4% | -0.8% | -1.4% |
|
BTBT
Bit Digital, Inc.
Peer
|
-92.2% | -21.6% | -34.5% | -65.0% | -21.6% | 0.0% |
CZN
Citizens & Northern Corporation
Primary
5Y
+26.8%
3Y
+30.9%
1Y
+25.9%
6M
+20.2%
1M
+2.7%
1W
+2.5%
BWF
Bankwell Financial Group, Inc.
Peer
5Y
+112.0%
3Y
+132.2%
1Y
+83.3%
6M
+18.3%
1M
+9.1%
1W
+4.5%
BSV
Bank7 Corp.
Peer
5Y
+177.2%
3Y
+89.9%
1Y
+18.6%
6M
-7.5%
1M
+4.5%
1W
+4.4%
BMR
Bank of Marin Bancorp
Peer
5Y
-19.0%
3Y
+2.4%
1Y
+16.9%
6M
+13.4%
1M
-0.8%
1W
-1.4%
BTB
Bit Digital, Inc.
Peer
5Y
-92.2%
3Y
-21.6%
1Y
-34.5%
6M
-65.0%
1M
-21.6%
1W
0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.68
Forward P/E
8.48
PEG Ratio
N/A
P/B Ratio
1.19
P/S Ratio
3.52
EV/Revenue
4.78
EV/EBITDA
N/A
Market Cap
$409.97M
Profitability
Profit margins and return metrics
Profit Margin
20.09%
Operating Margin
34.55%
Gross Margin
N/A
ROE
7.59%
ROA
0.82%
Growth
Revenue and earnings growth rates
Revenue Growth
+24.5%
Earnings Growth
-52.6%
Q/Q Revenue Growth
+31.28%
Q/Q Earnings Growth
-45.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.65
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
12.3%
Total Assets
$3.1B
Liabilities
$2.8B
Equity
$0.3B
Debt/Equity
8.17x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-28
$0.57
-1.8% surprise
2025-10-23
$0.47
-10.7% surprise
2025-07-24
$0.4
-14.1% surprise
Financial Services Sector Comparison
Comparing CZNC against 258 companies in the Financial Services sector
(38 bullish, 113 neutral, 107 bearish)
P/E Ratio
15.68
This Stock
vs
27.04
Sector Avg
-42.0%
(Discount)
Return on Equity (ROE)
7.59%
This Stock
vs
-2.62%
Sector Avg
-390.0%
(Below Avg)
Profit Margin
20.09%
This Stock
vs
77.23%
Sector Avg
-74.0%
(Weaker)
Revenue Growth
24.5%
This Stock
vs
31.62%
Sector Avg
-22.5%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CZNC
Citizens & Northern Corporation
|
NEUTRAL | $409.97M | 15.68 | 7.6% | 20.1% | $22.89 | |
|
BWFG
Bankwell Financial Group, Inc.
|
BULLISH | $404.5M | 11.4 | 12.3% | 32.8% | $50.71 | Compare |
|
BSVN
Bank7 Corp.
|
NEUTRAL | $396.39M | 9.25 | 18.6% | 45.0% | $41.64 | Compare |
|
BMRC
Bank of Marin Bancorp
|
NEUTRAL | $425.22M | 44.78 | 2.2% | 10.2% | $26.42 | Compare |
|
BTBT
Bit Digital, Inc.
|
NEUTRAL | $427.82M | - | -12.8% | -71.7% | $1.31 | Compare |
CZNC
Citizens &...
NEUTRAL
Mkt Cap
$410M
P/E
15.7
ROE
7.6%
Price
$22.89
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-06 | PELLEGRINO FRANK G | Director | Purchase | 185 | $4,062 |
| 2026-02-10 | SHATTUCK KATHERINE W | Director | Purchase | 16 | $372 |
| 2026-01-30 | HUGHES MARK A | Chief Financial Officer | Stock Award | 4,034 | $88,203 |
| 2026-01-30 | SCOVILL J BRADLEY | Chief Executive Officer | Stock Award | 10,376 | $226,871 |
| 2026-01-30 | REBER JOHN M | Officer | Stock Award | 2,840 | $62,097 |
| 2026-01-30 | RUDY THOMAS L JR | Officer | Stock Award | 2,982 | $65,201 |
| 2026-01-30 | RUDY THOMAS L JR | Officer | Stock Award | 2,982 | $65,201 |
| 2026-01-30 | HOOSE HAROLD F III | Officer | Stock Award | 4,592 | $100,404 |
| 2026-01-30 | DUNSMORE STAN R. | Officer | Stock Award | 3,134 | $68,525 |
| 2026-01-30 | CWIKLINSKI KELLEY A | Officer | Stock Award | 3,650 | $79,807 |
| 2026-01-30 | JAMES GLENN RICHARD | Officer | Stock Award | 1,530 | $33,453 |
| 2026-01-30 | WATKINS TRACY ELLEN | Officer | Stock Award | 2,390 | $52,257 |
| 2026-01-30 | RUSH BLAIR T | Officer | Stock Award | 3,474 | $75,959 |
| 2026-01-30 | BALAGOUR ALEXANDER | Chief Technology Officer | Stock Award | 3,490 | $72,819 |
| 2026-01-02 | SHATTUCK KATHERINE W | Director | Gift | 500 | - |
PELLEGRINO FRANK G
Director
2026-03-06
185 shares
·
$4,062
SHATTUCK KATHERINE W
Director
2026-02-10
16 shares
·
$372
HUGHES MARK A
Chief Financial Officer
2026-01-30
4,034 shares
·
$88,203
SCOVILL J BRADLEY
Chief Executive Officer
2026-01-30
10,376 shares
·
$226,871
REBER JOHN M
Officer
2026-01-30
2,840 shares
·
$62,097
RUDY THOMAS L JR
Officer
2026-01-30
2,982 shares
·
$65,201
RUDY THOMAS L JR
Officer
2026-01-30
2,982 shares
·
$65,201
HOOSE HAROLD F III
Officer
2026-01-30
4,592 shares
·
$100,404
DUNSMORE STAN R.
Officer
2026-01-30
3,134 shares
·
$68,525
CWIKLINSKI KELLEY A
Officer
2026-01-30
3,650 shares
·
$79,807
JAMES GLENN RICHARD
Officer
2026-01-30
1,530 shares
·
$33,453
WATKINS TRACY ELLEN
Officer
2026-01-30
2,390 shares
·
$52,257
RUSH BLAIR T
Officer
2026-01-30
3,474 shares
·
$75,959
BALAGOUR ALEXANDER
Chief Technology Officer
2026-01-30
3,490 shares
·
$72,819
SHATTUCK KATHERINE W
Director
2026-01-02
500 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Piper Sandler
2026-01-29
Neutral
Neutral
Piper Sandler
2025-10-24
Neutral
Neutral
Past News Coverage
Recent headlines mentioning CZNC from our newsroom.
Newest → oldest
No matching news yet.