Is Citizens & Northern Corporation (CZNC) Overvalued?
We dive into why Citizens & Northern Corporation (CZNC) could be considered overvalued on 2026-08-14, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
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. The company’s 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. It 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. The company 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.
Commentary & Analysis
Why Citizens & Northern Corporation’s (CZNC) Stock Is Up 5.46%
As of Friday, July 24, Citizens & Northern Corporation’s CZNC share price has surged by 5.46%, which has investors questioning if this is right time to sell.Rosalio Madrigal
What You Need to Know About Citizens & Northern Corporation's Q3 Earnings
Citizens & Northern Corporation's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (CZNC) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Citizens & Northern Corporation's Q2 Earnings
Citizens & Northern Corporation's fiscal Q2 earnings report was released on Wednesday, April 29. Let's dive in to see if (CZNC) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Citizens & Northern Corporation's Q1 Earnings
Citizens & Northern Corporation's fiscal Q1 earnings report was released on Wednesday, January 28. Let's dive in to see if (CZNC) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | CZNC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $461.6 | $751.0 | 36% |
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| Shares Out (Mil) | 17.8 | 15.4 | 28% |
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| Institutional Ownership | 86.7% | 83.2% | 54% |
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| Float (Mil) | 17.0 | 21.8 | 27% |
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| Beta | 0.39 | 0.43 | 22% |
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| Avg Daily Volume (000s) | 74 | 42 | 31% |
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| Price Change (52-week) |
33.2% | 94.6% | 71% |
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| Growth | CZNC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.7% | 7.7% | 39% |
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| Net Income (5yr) | 4.0% | 11.1% | 46% |
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| EPS (5yr) | 2.4% | 10.1% | 35 |
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| Dividends (5yr) | 0.7% | 3.6% | 81% |
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| Cash Flow (5yr) | (25.6%) | (17.1%) | 25% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.680 | $2.170 | $2.750 | |
| Month Ago EPS | $0.660 | $1.970 | $2.700 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.660 | $1.970 | $2.700 | |
| Year/Year Chg | (14.0%) | 48.9% | na | |
| Financials | CZNC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $127 | $196 | 28% |
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| Net Income (TTM) (Mil) | $25 | $55 | 50% |
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| EPS (TTM) | $1.473 | $2.600 | 66% |
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| Operating Cash Flow (TTM) (Mil) | $46 | $36 | 46% |
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| Net Cash Flow (TTM) (Mil) | ($16) | $2 | 28% |
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| Long-Term Debt (Q1) (Mil) | $131 | $101 | 46% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZNC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.33 | 1.25 | 33% |
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| P/E | 17.5 | 12.5 | 44% |
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| Dividend Yield | 4.4% | 2.2% | 92% |
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| PEG (5yr hist) | 7.3 | 1.1 | 91% |
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| Ratios | CZNC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 19.9% | 29.1% | 79% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 8.0% | 11.3% | 51% |
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| Liabilities to Assets | 89.0% | 89.7% | 84% |
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| F-Score | 4 | 4 | 34% |
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Citizens & Northern Corporation did not pass any screens on 8/20/2026.
