Citizens & Northern Corporation (CZNC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 91 | 102 | 106 | 103 | 107 | 107 | 116 | - |
| Operating profit | $m | 29 | 13 | ||||||
| Net profit | $m | 19 | 31 | 27 | 24 | 26 | 23 | 25 | 35 |
| EPS reported | $ | 1.46 | 1.48 | ||||||
| Operating cashflow per share | $ | 2.01 | 2.60 | ||||||
| Capex per share | $ | 0.12 | 0.05 | ||||||
| FCF per share | $ | 1.89 | 2.55 | ||||||
| Free cash flow | $m | 30 | 45 | ||||||
| Net debt | $m | -147 | -409 | ||||||
| Book value equity | $m | 342 | 346 | ||||||
| Book value per share | $ | 21.42 | 19.59 | ||||||
| Number of shares | m | 15.95 | 17.67 | ||||||
| DPS (TTM paid) | $ | 1.12 | 1.12 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.82 | 17.32 | ||||||
| P/B LTM | x | 0.94 | 0.93 | ||||||
| P/S LTM | x | 3.01 | 2.77 | ||||||
| P/FCF LTM | x | 10.69 | 7.13 | ||||||
| EV/EBITDA LTM | x | 15.12 | 31.98 | ||||||
| EV/Sales LTM | x | 3.04 | 3.38 | ||||||
| Earnings Yield LTM | % | +7.24% | +5.77% | ||||||
| FCF Yield | % | +9.36% | +14.02% | ||||||
| Quality | |||||||||
| ROE | % | +6.86% | +7.70% | ||||||
| ROIC | % | +0.75% | +0.35% | ||||||
| Operating margin | % | +18.58% | +8.16% | ||||||
| Gross margin | % | +65.34% | +51.76% | ||||||
| FCF/Sales | % | +19.52% | +27.45% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -13.61% | -12.43% | ||||||
| Sales Growth YoY | % | +0.30% | +8.86% | ||||||
| Net Income Growth YoY | % | -9.75% | -2.35% | ||||||
| FCF Growth | % | -3.31% | +44.90% | ||||||
| Operating Profit Growth | % | -10.13% | -57.93% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.06% | +4.29% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +69.97% | +69.85% | ||||||
| FCF/Debt | x | 0.16 | 0.27 | ||||||
| Net Debt/EBITDA | x | 4.74 | 5.97 | ||||||
| EBIT/Net interest | x | 0.60 | 0.28 | ||||||
| Net debt/market cap | % | +59.12% | +36.35% | ||||||
| Net debt/Equity | x | -0.43 | -1.18 | ||||||
| Gross debt/equity | x | 0.56 | 0.49 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens & Northern Corporation (CZNC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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