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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)
050M100M150M200M2016201720182019202020212022202320242025
CZNC Revenue (USD) by year
PeriodRevenue (USD)
2025154.97M
2024155.47M
2023136.24M
2022115.48M
2021108.95M
2020100.44M
201982.97M
201869.65M
201760.99M
201659.63M
Net Income (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZNC Net Income (USD) by year
PeriodNet Income (USD)
202523.43M
202425.96M
202324.15M
202226.62M
202130.55M
202019.22M
201919.5M
201822.01M
201713.43M
201615.76M
Operating Income (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZNC Operating Income (USD) by year
PeriodOperating Income (USD)
202528.64M
202431.87M
202330.48M
202232.35M
202137.69M
202023.21M
201923.41M
201826.26M
201720.59M
201621.11M
EBITDA (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZNC EBITDA (USD) by year
PeriodEBITDA (USD)
202531.01M
202434.05M
202332.63M
202234.74M
202139.82M
202025.19M
201925.16M
201828.02M
201722.23M
201622.7M
Cash Flows (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZNC Cash Flows (USD) by year
PeriodCash Flows (USD)
202530.1M
202431.13M
202331.28M
202231.31M
202132.98M
202021.65M
201919.59M
201824.73M
201717.68M
201616.93M
EPS (USD)
00.511.522016201720182019202020212022202320242025
CZNC EPS (USD) by year
PeriodEPS (USD)
20251.48
20241.69
20231.57
20221.71
20211.92
20201.3
20191.47
20181.79
20171.1
20161.3
Expenses (USD)
020M40M60MSG&ACapex2016201720182019202020212022202320242025
CZNC Expenses (USD) by year
PeriodExpenses (USD)
202550.95M
202448.84M
202348.36M
202243.4M
202144.45M
202040.58M
201930.77M
201825.07M
201724.09M
201623.18M
Cash & Debt (USD)
0200M400M600M800MCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
CZNC Cash & Debt (USD) by year
PeriodCash & Debt (USD)
2025337.38M
2024348.61M
2023472.63M
2022553.08M
2021622.63M
2020451.19M
2019381.93M
2018400.76M
2017396.18M
2016427.19M
Debt ratios
-6-4-2020182019202020212022202320242025
CZNC Debt ratios by year
PeriodDebt ratios
2025-1.09
2024-1
2023-1.97
2022-2.97
2021-4.61
2020-3.58
2019-2.42
2018-3.64
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
CZNC Margins by year
PeriodMargins
202565.52%
202467.09%
202375.56%
202285.47%
202190.62%
202086.55%
201986.58%
201892.52%
201792.27%
201691.76%
Return on Capital
0%5%10%15%2016201720182019202020212022202320242025
CZNC Return on Capital by year
PeriodReturn on Capital
20256.86%
20249.43%
20239.2%
202210.68%
202110.14%
20206.41%
20197.98%
201811.15%
20177.13%
20168.47%
Shares Outstanding
05M10M15M20M2016201720182019202020212022202320242025
CZNC Shares Outstanding by year
PeriodShares Outstanding
202517.67M
202415.43M
202315.18M
202215.37M
202115.63M
202015.8M
201913.64M
201812.29M
201712.08M
201612.1M
Dividends (USD)
00.511.52017201820192020202120222023202420252026
CZNC Dividends (USD) by year
PeriodDividends (USD)
20260.84
20251.12
20241.12
20231.12
20221.12
20211.11
20201.08
20191.18
20181.08
20171.04
Employee Count
02004006002001200220032004200520152019202320242025
CZNC Employee Count by year
PeriodEmployee Count
2025460
2024386
2023404
2019336
2015283
2005334
2004324
2003293
2002265
2001225
Book Value Per Share (USD)
051015202016201720182019202020212022202320242025
CZNC Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202519.32
202417.84
202317.29
202216.22
202119.28
202018.97
201917.92
201816.06
201715.6
201615.38
Total Assets (USD)
01B2B3B4B2016201720182019202020212022202320242025
CZNC Total Assets (USD) by year
PeriodTotal Assets (USD)
20253.13B
20242.61B
20232.52B
20222.45B
20212.33B
20202.24B
20191.65B
20181.29B
20171.28B
20161.24B
PE Ratio
1015202530med 12.62Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZNC PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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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