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CITIZENS & NORTHERN CORP

CZNCNASDAQ
πŸ† #2561 by market capEarnings Oct 22US Equity
$25.56β–² $0.40 (+1.55%)
Market closed Β· at close
1hβ€”
24hβ–² 1.6%
7dβ–² 1.8%
14dβ–² 2.0%
30dβ–² 10.9%
1yβ–² 32.2%
🏦Market Cap
$459M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+23.9%
Healthy
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
23.1%
Strong
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
53
Weak

Trading Snapshot

Day Range
$25.46 – $25.70
52-Week Range
$18.49 – $25.84
Volume
$2.24B
Avg Volume
$2.20B
Shares Outstanding
17.9M
Next Earnings
Sep 13, 2026

Fundamentals Snapshot

Annual Revenue
$154M
Last Q Revenue
$39M
P/E Ratio
25.9
P/S Ratio
2.8x
EPS (TTM)
$1.09
Dividend Yield
3.76%

Why Investors Own CZNC

  • βœ“High-growth profile β€” revenue up +20.8% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 32% gross margin and 4% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

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

Financial Trends

Revenue (TTM)
$154Mβ–² +23.1% YoY
Gross Margin (TTM)
32.2%β–² +0.8% YoY
Operating Income (TTM)
$43Mβ–² +23.1% YoY
Free Cash Flow (TTM)
$7Mβ–² +23.1% YoY

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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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
53/100

Analyst Price Target

β“˜
Average Target
$27.38
β–² +7.1% Upside
High Target$32.20
Low Target$25.71
Based on 28 analysts

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