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Citizens & Northern Corporation

$26.09 +$6.12 (+30.65%)
NASDAQ · 14 Sep 2026 20:00 UTC
Previous Close
$25.97
Day Range
$25.96$26.35
Year Range
$18.87$26.35
Market Cap
467.44M
AVG Volume
63.62K
Trailing/Forward PE
17.68/9.49
PEG ratio
0.66
Dividend Yield
4.29%
Next Earnings Date
2026-10-22
Primary Exchange
NASDAQUS
Revenue (USD)
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q239.11M
26 Q148.78M
25 Q436.02M
25 Q340.42M
25 Q240.19M
25 Q138.33M
24 Q440.53M
24 Q339.71M
24 Q238.71M
24 Q136.52M
Net Income (USD)
05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q214.06M
26 Q1273K
25 Q44.47M
25 Q36.55M
25 Q26.12M
25 Q16.29M
24 Q48.17M
24 Q36.37M
24 Q26.11M
24 Q15.31M
Operating Income (USD)
-5M05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q2-335K
26 Q1335K
25 Q45.39M
25 Q38.02M
25 Q27.53M
25 Q17.7M
24 Q410.12M
24 Q37.81M
24 Q27.48M
24 Q16.46M
EBITDA (USD)
-5M05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q2-1.02M
26 Q11.02M
25 Q46.08M
25 Q38.58M
25 Q28.09M
25 Q18.26M
24 Q410.67M
24 Q38.39M
24 Q28.02M
24 Q16.97M
Cash Flows (USD)
05M10M15M20M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q215.61M
26 Q18.47M
25 Q410.13M
25 Q310.9M
25 Q28.03M
25 Q11.04M
24 Q411.72M
24 Q36.45M
24 Q27.97M
24 Q14.99M
EPS (USD)
00.20.40.60.824 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC EPS (USD) by quarter
PeriodEPS (USD)
26 Q20.79
26 Q10.02
25 Q40.25
25 Q30.42
25 Q20.4
25 Q10.41
24 Q40.53
24 Q30.41
24 Q20.4
24 Q10.35
Expenses (USD)
-5M05M10M15M20MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q213.52M
26 Q115.28M
25 Q415.38M
25 Q311.72M
25 Q211.55M
25 Q112.3M
24 Q411.82M
24 Q311.03M
24 Q213.69M
24 Q112.31M
Cash & Debt (USD)
0200M400M600MCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2579.37M
26 Q153.45M
25 Q4337.38M
25 Q3333.21M
25 Q2343.26M
25 Q1523.2M
24 Q4348.61M
24 Q3592.63M
24 Q2501.56M
24 Q1451.54M
Debt ratios
-30-20-1001024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Debt ratios by quarter
PeriodDebt ratios
26 Q2-27.93
26 Q15.87
25 Q4-4.65
25 Q3-4.47
25 Q2-4.49
25 Q1-9.29
24 Q4-4.14
24 Q3-12.3
24 Q2-8.26
24 Q1-6.83
Margins
0%20%40%60%80%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Margins by quarter
PeriodMargins
26 Q234.2%
26 Q147.24%
25 Q460.44%
25 Q366.48%
25 Q266%
25 Q168.77%
24 Q469.59%
24 Q364.4%
24 Q267.85%
24 Q166.46%
Return on Capital
0%2%4%6%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Return on Capital by quarter
PeriodReturn on Capital
26 Q24.06%
26 Q10.08%
25 Q41.31%
25 Q32.23%
25 Q22.14%
25 Q12.23%
24 Q42.97%
24 Q32.3%
24 Q22.32%
24 Q12.03%
Shares Outstanding
05M10M15M20M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Shares Outstanding by quarter
PeriodShares Outstanding
26 Q217.67M
26 Q117.67M
25 Q417.67M
25 Q315.37M
25 Q215.36M
25 Q115.34M
24 Q415.43M
24 Q315.27M
24 Q215.26M
24 Q115.23M
Dividends (USD)
00.511.5May 24Jul 24Oct 24Feb 25May 25Aug 25Nov 25Feb 26May 26Aug 26
CZNC Dividends (USD) by quarter
PeriodDividends (USD)
Aug 260.28
May 260.28
Feb 260.28
Nov 250.28
Aug 250.28
May 250.28
Feb 250.28
Oct 240.28
Jul 240.28
May 240.28
Employee Count
02004006002001200220032004200520152019202320242025
CZNC Employee Count by quarter
PeriodEmployee Count
2025460
2024386
2023404
2019336
2015283
2005334
2004324
2003293
2002265
2001225
Book Value Per Share (USD)
0510152024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q219.59
26 Q119
25 Q419.32
25 Q319.12
25 Q218.64
25 Q118.37
24 Q417.84
24 Q318.16
24 Q217.24
24 Q117.18
Total Assets (USD)
01B2B3B4B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZNC Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q23.15B
26 Q13.16B
25 Q43.13B
25 Q32.66B
25 Q22.61B
25 Q12.61B
24 Q42.61B
24 Q32.67B
24 Q22.6B
24 Q12.52B
PE Ratio
1015202530med 12.62Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC PE Ratio by quarter
PeriodPE Ratio
Sep 2618.1
Sep 2618.2
Aug 2617.8
Aug 2617.98
Aug 2618.11
Aug 2617.67
Jul 2625.77
Jul 2624.71
Jul 2623.69
Jul 2623.19
Jul 2623.98
Jun 2623.84
Jun 2622.05
Jun 2622.39
Jun 2621.67
May 2621.37
May 2621.38
May 2620.55
May 2621.95
May 2616.95
Apr 2617.44
Apr 2617.89
Apr 2617.9
Apr 2616.91
Mar 2616.59
Mar 2616.35
Mar 2616.39
Mar 2616.82
Feb 2612.72
Feb 2613.51
Feb 2613.53
Feb 2613.31
Jan 2612.89
Jan 2612.25
Jan 2612.15
Jan 2611.6
Jan 2611.31
Dec 2511.69
Dec 2511.9
Dec 2512.28
Dec 2511.47
Nov 2511.42
Nov 2511.14
Nov 2511.1
Nov 2510.92
Oct 2511.03
Oct 2511.1
Oct 2510.96
Oct 2510.98
Oct 2511.1
Sep 2511.34
Sep 2511.44
Sep 2511.41
Sep 2511.5
Aug 2511.51
Aug 2511.68
Aug 2510.89
Aug 2510.65
Aug 2510.48
Jul 2510.94
Jul 2511.05
Jul 2511.32
Jul 2511.44
Jun 2510.91
Jun 2510.45
Jun 2510.43
Jun 2510.57
May 2510.56
May 2510.81
May 2511
May 2510.87
May 2511.37
Apr 2511.33
Apr 2511.2
Apr 2510.89
Apr 2511.34
Mar 2511.99
Mar 2512.13
Mar 2512.02
Mar 2512.15
Feb 2514.79
Feb 2514.44
Feb 2514.82
Feb 2514.93
Jan 2514.77
Jan 2514.34
Jan 2513.17
Jan 2512.56
Jan 2512.77
Dec 2412.83
Dec 2412.83
Dec 2413.68
Dec 2414.19
Nov 2414.18
Nov 2414.35
Nov 2413.98
Nov 2414.28
Nov 2412.3
Oct 2412.47
Oct 2412.68
Free Cash Flow Yield
7%8%9%10%11%12%med 9.28%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 269.83%
Sep 269.78%
Aug 2610%
Aug 269.9%
Aug 269.83%
Aug 2610.07%
Jul 268.37%
Jul 268.72%
Jul 269.1%
Jul 269.3%
Jul 268.99%
Jun 269.04%
Jun 269.78%
Jun 269.63%
Jun 269.95%
May 2610.09%
May 2610.08%
May 2610.49%
May 269.82%
May 267.58%
Apr 267.37%
Apr 267.18%
Apr 267.18%
Apr 267.6%
Mar 267.74%
Mar 267.86%
Mar 267.84%
Mar 267.64%
Feb 269.18%
Feb 268.65%
Feb 268.63%
Feb 268.78%
Jan 269.06%
Jan 269.54%
Jan 269.61%
Jan 2610.07%
Jan 2610.32%
Dec 259.99%
Dec 259.81%
Dec 259.51%
Dec 2510.18%
Nov 2510.23%
Nov 2510.49%
Nov 2510.52%
Nov 2510.7%
Oct 259.16%
Oct 259.11%
Oct 259.22%
Oct 259.2%
Oct 259.11%
Sep 258.91%
Sep 258.84%
Sep 258.86%
Sep 258.79%
Aug 258.78%
Aug 258.66%
Aug 259.28%
Aug 259.49%
Aug 259.63%
Jul 259.22%
Jul 259.13%
Jul 258.92%
Jul 258.82%
Jun 259.25%
Jun 259.66%
Jun 259.67%
Jun 259.54%
May 259.55%
May 259.33%
May 259.17%
May 259.28%
May 2510.55%
Apr 2510.59%
Apr 2510.71%
Apr 2511.01%
Apr 2510.57%
Mar 2510%
Mar 259.88%
Mar 259.98%
Mar 259.87%
Feb 258.06%
Feb 258.25%
Feb 258.04%
Feb 257.98%
Jan 258.07%
Jan 258.31%
Jan 259.05%
Jan 259.49%
Jan 259.33%
Dec 249.29%
Dec 249.29%
Dec 248.71%
Dec 248.4%
Nov 248.4%
Nov 248.3%
Nov 248.53%
Nov 248.34%
Nov 249.59%
Oct 249.46%
Oct 249.3%
Price to Sales
1.522.53med 2.02Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC Price to Sales by quarter
PeriodPrice to Sales
Sep 262.79
Sep 262.81
Aug 262.75
Aug 262.77
Aug 262.79
Aug 262.73
Jul 262.71
Jul 262.6
Jul 262.49
Jul 262.44
Jul 262.52
Jun 262.51
Jun 262.32
Jun 262.36
Jun 262.28
May 262.25
May 262.25
May 262.16
May 262.31
May 262.56
Apr 262.64
Apr 262.71
Apr 262.71
Apr 262.56
Mar 262.51
Mar 262.47
Mar 262.48
Mar 262.54
Feb 262.16
Feb 262.3
Feb 262.3
Feb 262.26
Jan 262.19
Jan 262.08
Jan 262.07
Jan 261.97
Jan 261.92
Dec 251.99
Dec 252.03
Dec 252.09
Dec 251.95
Nov 251.94
Nov 251.9
Nov 251.89
Nov 251.86
Oct 251.87
Oct 251.88
Oct 251.86
Oct 251.86
Oct 251.88
Sep 251.93
Sep 251.94
Sep 251.94
Sep 251.95
Aug 251.95
Aug 251.98
Aug 251.85
Aug 251.81
Aug 251.8
Jul 251.87
Jul 251.89
Jul 251.94
Jul 251.96
Jun 251.87
Jun 251.79
Jun 251.79
Jun 251.81
May 251.81
May 251.85
May 251.89
May 251.86
May 251.9
Apr 251.89
Apr 251.87
Apr 251.82
Apr 251.89
Mar 252
Mar 252.03
Mar 252.01
Mar 252.03
Feb 252.17
Feb 252.11
Feb 252.17
Feb 252.19
Jan 252.16
Jan 252.1
Jan 251.93
Jan 251.84
Jan 251.87
Dec 241.88
Dec 241.88
Dec 242
Dec 242.08
Nov 242.08
Nov 242.1
Nov 242.05
Nov 242.09
Nov 241.96
Oct 241.99
Oct 242.02
EV/EBITDA
-100102030med 4.15Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 263.37
Sep 263.54
Aug 262.85
Aug 263.17
Aug 263.39
Aug 262.64
Jul 2624.74
Jul 2623.97
Jul 2623.22
Jul 2622.85
Jul 2623.43
Jun 2623.33
Jun 2622.02
Jun 2622.27
Jun 2621.74
May 2621.52
May 2621.53
May 2620.92
May 2621.95
May 268.15
Apr 268.52
Apr 268.86
Apr 268.87
Apr 268.12
Mar 267.88
Mar 267.7
Mar 267.73
Mar 268.05
Feb 265.23
Feb 265.83
Feb 265.85
Feb 265.68
Jan 265.36
Jan 264.87
Jan 264.8
Jan 264.37
Jan 264.16
Dec 254.44
Dec 254.61
Dec 254.89
Dec 254.28
Nov 254.24
Nov 254.02
Nov 254
Nov 253.86
Oct 253.91
Oct 253.95
Oct 253.85
Oct 253.87
Oct 253.95
Sep 254.14
Sep 254.21
Sep 254.19
Sep 254.26
Aug 254.27
Aug 254.4
Aug 253.8
Aug 253.62
Aug 25-1.3
Jul 25-0.95
Jul 25-0.87
Jul 25-0.66
Jul 25-0.57
Jun 25-0.97
Jun 25-1.33
Jun 25-1.34
Jun 25-1.23
May 25-1.24
May 25-1.05
May 25-0.9
May 25-1
May 254.53
Apr 254.49
Apr 254.4
Apr 254.16
Apr 254.51
Mar 255
Mar 255.11
Mar 255.02
Mar 255.12
Feb 25-1.37
Feb 25-1.63
Feb 25-1.35
Feb 25-1.27
Jan 25-1.38
Jan 25-1.7
Jan 25-2.57
Jan 25-3.02
Jan 25-2.86
Dec 24-2.82
Dec 24-2.82
Dec 24-2.19
Dec 24-1.81
Nov 24-1.82
Nov 24-1.7
Nov 24-1.97
Nov 24-1.75
Nov 240.85
Oct 240.98
Oct 241.14
Price/Operating Cashflow
8101214med 10.16Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
Sep 269.98
Sep 2610.03
Aug 269.81
Aug 269.91
Aug 269.98
Aug 269.74
Jul 2611.48
Jul 2611.01
Jul 2610.55
Jul 2610.33
Jul 2610.68
Jun 2610.62
Jun 269.82
Jun 269.97
Jun 269.65
May 269.52
May 269.53
May 269.15
May 269.78
May 2612.41
Apr 2612.77
Apr 2613.1
Apr 2613.1
Apr 2612.38
Mar 2612.14
Mar 2611.97
Mar 2611.99
Mar 2612.31
Feb 2610.31
Feb 2610.94
Feb 2610.96
Feb 2610.78
Jan 2610.44
Jan 269.92
Jan 269.84
Jan 269.39
Jan 269.16
Dec 259.47
Dec 259.64
Dec 259.94
Dec 259.29
Nov 259.25
Nov 259.02
Nov 258.99
Nov 258.84
Oct 2510.34
Oct 2510.39
Oct 2510.27
Oct 2510.29
Oct 2510.39
Sep 2510.62
Sep 2510.71
Sep 2510.69
Sep 2510.77
Aug 2510.78
Aug 2510.94
Aug 2510.2
Aug 259.98
Aug 259.77
Jul 2510.2
Jul 2510.31
Jul 2510.56
Jul 2510.67
Jun 2510.18
Jun 259.74
Jun 259.73
Jun 259.86
May 259.85
May 2510.08
May 2510.26
May 2510.14
May 258.93
Apr 258.9
Apr 258.8
Apr 258.56
Apr 258.91
Mar 259.42
Mar 259.54
Mar 259.44
Mar 259.55
Feb 2511.35
Feb 2511.09
Feb 2511.38
Feb 2511.47
Jan 2511.34
Jan 2511.01
Jan 2510.11
Jan 259.65
Jan 259.81
Dec 249.85
Dec 249.85
Dec 2410.5
Dec 2410.9
Nov 2410.89
Nov 2411.02
Nov 2410.73
Nov 2410.97
Nov 249.36
Oct 249.49
Oct 249.65
Price to Book
0.911.11.21.31.4med 1.11Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC Price to Book by quarter
PeriodPrice to Book
Sep 261.33
Sep 261.33
Aug 261.3
Aug 261.32
Aug 261.33
Aug 261.29
Jul 261.34
Jul 261.28
Jul 261.23
Jul 261.2
Jul 261.24
Jun 261.24
Jun 261.14
Jun 261.16
Jun 261.12
May 261.11
May 261.11
May 261.07
May 261.14
May 261.16
Apr 261.2
Apr 261.23
Apr 261.23
Apr 261.16
Mar 261.14
Mar 261.12
Mar 261.12
Mar 261.15
Feb 261.17
Feb 261.25
Feb 261.25
Feb 261.23
Jan 261.19
Jan 261.13
Jan 261.12
Jan 261.07
Jan 261.04
Dec 251.08
Dec 251.1
Dec 251.13
Dec 251.06
Nov 251.05
Nov 251.03
Nov 251.02
Nov 251.01
Oct 251.04
Oct 251.04
Oct 251.03
Oct 251.03
Oct 251.04
Sep 251.07
Sep 251.08
Sep 251.07
Sep 251.08
Aug 251.08
Aug 251.1
Aug 251.02
Aug 251
Aug 251
Jul 251.05
Jul 251.06
Jul 251.08
Jul 251.09
Jun 251.04
Jun 251
Jun 251
Jun 251.01
May 251.01
May 251.03
May 251.05
May 251.04
May 251.07
Apr 251.07
Apr 251.06
Apr 251.03
Apr 251.07
Mar 251.13
Mar 251.14
Mar 251.13
Mar 251.15
Feb 251.18
Feb 251.15
Feb 251.18
Feb 251.19
Jan 251.17
Jan 251.14
Jan 251.05
Jan 251
Jan 251.02
Dec 241.02
Dec 241.02
Dec 241.09
Dec 241.13
Nov 241.13
Nov 241.14
Nov 241.11
Nov 241.14
Nov 241.09
Oct 241.1
Oct 241.12
Citizens & Northern Corporation
CZNC
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