CZNC

Citizens & Northern Corporation

Price

$28.05

return (12m)

50.83%

p/e

19.27

p/bv

1.41

DIVIDEND YIELD

4.07%

CZNC price

Citizens & Northern

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*The amount considers the reinvestment of dividends.

Return on Investment CZNC

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

11.29%

3 months

11.98%

1 year

50.83%

2 years

63.69%

5 years

39.71%

10 years

120.44%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals CZNC

Valuation

P/E

19.27

Sector -138.41

Industry -53.61

P/BV

1.41

Sector -9.97

Industry -43.35

P/Revenue (PSR)

3.43

Sector -9.86

Industry -

P/EBITDA

Sector -68.09

Industry -119.72

P/EBIT

Sector -71.51

Industry -106.73

P/Total Assets

0.15

Sector 0.13

Industry 0.38

P/Net Current Assets

-0.17

Sector -9.93

Industry -

P/Working Capital

Sector -

Industry -

EPS

1.43

Sector -9,535.79

Industry -25,007.13

BVPS

19.48

Sector -8,460.32

Industry -29,307.97

Efficiency

Gross Margin

0.00%

Sector 1.10%

Industry -1.28%

EBITDA Margin

0.00%

Sector -258.36%

Industry -

EBIT Margin

0.00%

Sector -7.29%

Industry -13.06%

Net Profit Margins

17.79%

Sector -2.30%

Industry -10.59%

Asset Turnover

0.01

Sector 0.01

Industry 0.00

Profitability

ROE

7.32%

Sector -1,324.85%

Industry -5,287.10%

ROA

0.80%

Sector -8.21%

Industry -17.99%

ROIC

0.00%

Sector -12.03%

Industry -38.27%

Dividends

Dividend yield

4.07%

Sector 0.26%

Industry -

Payout

78.43%

Sector 5.51%

Industry -

Debt

Current Ratio

Sector -

Industry -

Net Debt / Equity

0.00

Sector -1.34

Industry -0.77

Gross Debt / Equity

0.00

Sector -0.24

Industry -0.27

Equity/Assets

0.11

Sector -0.03

Industry -0.21

Liabilities/Assets

0.89

Sector 0.36

Industry -0.01

Growth

5Y Revenue CAGR

6.54%

Sector -

Industry -

5Y Earnings CAGR

-3.67%

Sector -

Industry -

Fundamentals CZNC

DRAG THE FRAME TO SEE MORE DATA

FAIR VALUE OF Citizens & Northern ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$28.05

Fair Value

$25.04

Upside

-10.75%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price ($)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
CZNC Citizens & Northern Corporation	$28.05	50.83%	4.07%	19.27	1.41	7.32%	17.79%
JPM JPMorgan Chase & Co.	$344.15	15.45%	1.79%	13.67	2.41	17.92%	21.74%
NU Nu Holdings (NuBank)	$12.02	-24.53%	0.00%	16.71	4.55	27.22%	18.61%
BAC Bank of America Corporation	$51.74	0.60%	2.28%	11.45	1.25	10.95%	27.34%
INTR Inter & Co. Inc. Class A Common Shares (Banco Inter)	$4.08	-56.74%	2.48%	6.94	1.00	14.43%	9.28%
HSBC HSBC Holdings PLC	$87.05	29.87%	4.34%	11.83	1.52	12.98%	18.78%
C Citigroup Inc.	$126.53	28.15%	2.03%	11.68	1.07	9.09%	14.38%
RY ROYAL BANK OF CANADA	$207.01	43.61%	2.34%	147.22	20.58	13.98%	15.76%
ITUB Itau Unibanco Banco Holding SA	$7.32	10.98%	7.62%	12.30	1.98	16.14%	9.37%
ING ING Group N.V.	$32.26	38.95%	4.13%	7.98	1.63	20.47%	25.17%
SAN Banco Santander SA ADR	$11.75	17.31%	2.08%	5.55	1.37	25.48%	29.74%
LYG Lloyds Banking Group PLC	$5.22	15.88%	4.02%	10.82	1.30	12.01%	8.53%
WFC Wells Fargo & Company	$85.08	0.02%	2.23%	11.51	1.44	12.54%	16.90%
NWG NatWest Group PLC	$16.99	15.56%	5.50%	4.19	0.59	14.20%	20.45%
TD Toronto Dominion Bank	$127.65	60.59%	2.50%	12.78	1.62	12.71%	14.14%
BCS Barclays PLC	$23.11	9.56%	2.73%	11.56	0.88	6.94%	15.93%
BBD Banco Bradesco SA ADR	$2.64	-15.24%	9.24%	6.03	0.80	13.25%	7.24%
BSBR Banco Santander Brasil SA ADR	$4.58	-12.16%	7.47%	12.80	1.38	11.26%	3.93%
MUFG Mitsubishi UFJ Financial Group Inc.	$21.96	50.41%	2.05%	13.21	1.72	13.03%	20.55%
BSAC Banco Santander Chile	$31.27	16.13%	4.84%	12.08	2.61	21.58%	34.03%
DB Deutsche Bank AG	$34.90	3.86%	2.71%	12.94	0.90	6.99%	8.91%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

CZNC - Historical Dividends

Current Dividend Yield

4.07%

5-year average Dividend Yield

5.94%

Current Payout

78.43%

5-year average Payout

72.74%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	07/31/2026	08/14/2026	0.28000000
Dividends	05/01/2026	05/15/2026	0.28000000
Dividends	01/30/2026	02/13/2026	0.28000000
Dividends	10/31/2025	11/14/2025	0.28000000
Dividends	08/01/2025	08/15/2025	0.28000000
Dividends	05/03/2025	05/15/2025	0.28000000
Dividends	01/31/2025	02/14/2025	0.28000000
Dividends	10/25/2024	11/08/2024	0.28000000
Dividends	07/26/2024	08/09/2024	0.28000000
Dividends	05/02/2024	05/17/2024	0.28000000
Dividends	01/25/2024	02/09/2024	0.28000000
Dividends	10/26/2023	11/10/2023	0.28000000
Dividends	07/27/2023	08/11/2023	0.28000000
Dividends	04/27/2023	05/12/2023	0.28000000
Dividends	02/01/2023	02/14/2023	0.28000000
Dividends	10/27/2022	11/11/2022	0.28000000
Dividends	07/28/2022	08/12/2022	0.28000000
Dividends	04/28/2022	05/13/2022	0.28000000
Dividends	01/27/2022	02/11/2022	0.28000000
Dividends	10/28/2021	11/12/2021	0.28000000
Dividends	07/29/2021	08/13/2021	0.28000000
Dividends	04/29/2021	05/14/2021	0.28000000
Dividends	01/28/2021	02/12/2021	0.27000000
Dividends	10/29/2020	11/13/2020	0.27000000
Dividends	07/23/2020	08/07/2020	0.27000000
Dividends	04/23/2020	05/08/2020	0.27000000
Dividends	01/23/2020	02/07/2020	0.27000000
Dividends	10/24/2019	11/08/2019	0.27000000
Dividends	07/25/2019	08/09/2019	0.27000000
Dividends	04/25/2019	05/10/2019	0.27000000
Dividends	01/24/2019	02/08/2019	0.37000000
Dividends	10/25/2018	11/09/2018	0.26890000
Dividends	07/26/2018	08/10/2018	0.26890000
Dividends	04/26/2018	05/11/2018	0.26890000
Dividends	01/25/2018	02/09/2018	0.26890000
Dividends	10/26/2017	11/10/2017	0.25900000
Dividends	07/27/2017	08/11/2017	0.25900000
Dividends	04/27/2017	05/12/2017	0.25900000
Dividends	01/26/2017	02/10/2017	0.25900000
Dividends	10/27/2016	11/14/2016	0.25900000
Dividends	07/28/2016	08/12/2016	0.25900000
Dividends	04/28/2016	05/13/2016	0.25900000
Dividends	01/28/2016	02/12/2016	0.25900000
Dividends	10/29/2015	11/13/2015	0.25900000
Dividends	07/30/2015	08/14/2015	0.25900000
Dividends	04/30/2015	05/15/2015	0.25900000
Dividends	01/29/2015	02/13/2015	0.25900000
Dividends	10/31/2014	11/17/2014	0.25900000
Dividends	07/24/2014	08/08/2014	0.25900000
Dividends	04/24/2014	05/09/2014	0.25900000
Dividends	01/30/2014	02/14/2014	0.25900000
Dividends	10/31/2013	11/15/2013	0.24900000
Dividends	07/25/2013	08/09/2013	0.24900000
Dividends	04/25/2013	05/10/2013	0.24900000
Dividends	01/31/2013	02/15/2013	0.24900000
Dividends	10/30/2012	11/13/2012	0.23910000
Dividends	07/30/2012	08/13/2012	0.21910000
Dividends	04/27/2012	05/14/2012	0.19920000
Dividends	01/26/2012	02/10/2012	0.17930000
Dividends	10/28/2011	11/14/2011	0.15940000
Dividends	07/28/2011	08/12/2011	0.14940000
Dividends	04/28/2011	05/13/2011	0.13950000
Dividends	01/27/2011	02/11/2011	0.12950000
Dividends	10/28/2010	11/12/2010	0.11950000
Dividends	07/29/2010	08/13/2010	0.09960000
Dividends	04/29/2010	05/14/2010	0.08960000
Dividends	01/28/2010	02/12/2010	0.07970000
Dividends	09/29/2009	10/20/2009	0.23910000
Dividends	06/29/2009	07/17/2009	0.23910000
Dividends	03/30/2009	04/17/2009	0.23910000
Dividends	01/01/2009	01/20/2009	0.23910000
Dividends	09/29/2008	10/17/2008	0.23910000
Dividends	07/01/2008	07/18/2008	0.23910000
Dividends	03/28/2008	04/18/2008	0.23910000
Dividends	12/31/2007	01/22/2008	0.23910000
Dividends	09/27/2007	10/19/2007	0.23425743
Dividends	07/03/2007	07/20/2007	0.23425743
Dividends	03/30/2007	04/20/2007	0.23425743
Dividends	12/29/2006	01/22/2007	0.23425743
Dividends	09/28/2006	10/20/2006	0.22968336
Dividends	07/03/2006	07/20/2006	0.22968336
Dividends	03/30/2006	04/20/2006	0.22968336
Dividends	12/27/2005	01/20/2006	0.22968336
Dividends	09/29/2005	10/20/2005	0.21576219
Dividends	07/01/2005	07/20/2005	0.21576219
Dividends	03/31/2005	04/20/2005	0.21576219
Dividends	12/28/2004	01/20/2005	0.23002986
Dividends	10/01/2004	10/20/2004	0.20238246
Dividends	07/06/2004	07/20/2004	0.21775815
Dividends	04/01/2004	04/20/2004	0.20238246
Dividends	12/25/2003	01/20/2004	0.21775815
Dividends	10/02/2003	10/20/2003	0.19124460
Dividends	06/26/2003	07/21/2003	0.19124460
Dividends	04/03/2003	04/21/2003	0.12749640
Dividends	12/26/2002	01/21/2003	0.18217396
Dividends	09/27/2002	10/21/2002	0.18037026
Dividends	06/27/2002	07/19/2002	0.16831208
Dividends	03/28/2002	04/19/2002	0.16831208
Dividends	12/27/2001	01/18/2002	0.16831208
Dividends	09/27/2001	10/19/2001	0.15476901
Dividends	06/28/2001	07/20/2001	0.25743018
Dividends	03/29/2001	04/20/2001	0.15476901
Dividends	11/23/2000	01/19/2001	0.15476901
Dividends	09/28/2000	10/20/2000	0.23776615
Dividends	06/29/2000	07/20/2000	0.23776615
Dividends	04/06/2000	04/20/2000	0.23776615
Dividends	11/25/1999	01/20/2000	0.14135450
Dividends	09/30/1999	10/20/1999	0.21547942
Dividends	07/02/1999	07/20/1999	0.21547942
Dividends	03/25/1999	04/20/1999	0.21547942
Dividends	11/26/1998	01/20/1999	0.21328500
Dividends	09/24/1998	10/20/1998	0.19614550
Dividends	06/11/1998	07/15/1998	0.19614550
Dividends	03/26/1998	04/15/1998	0.19614550
Dividends	11/27/1997	01/15/1998	0.19427458
Dividends	09/25/1997	10/15/1997	0.17466361
Dividends	06/12/1997	07/15/1997	0.17466361
Dividends	03/27/1997	04/15/1997	0.17466361
Dividends	11/28/1996	01/15/1997	0.17293072
Dividends	09/26/1996	10/11/1996	0.16352731
Dividends	06/27/1996	07/12/1996	0.16352731
Dividends	03/28/1996	04/12/1996	0.09436543
Dividends	11/28/1995	01/12/1996	0.09436543
Dividends	09/28/1995	10/13/1995	0.08704617
Dividends	07/06/1995	07/14/1995	0.08704617
Dividends	03/30/1995	05/15/1995	0.08704617
Dividends	11/30/1994	01/13/1995	0.15060277
Dividends	09/21/1994	10/14/1994	0.16706305
Dividends	06/22/1994	07/15/1994	0.28246073

ABOUT Citizens & Northern

Citizens & Northern Corporation

Average Investor10 user rating

4.0 (6 people)

United States

27 years

Founded: 1999

1994

Time since IPO - 32 years

336

Employees

Citizens & Northern Corporation (United States) is listed on the Nasdaq and has a market capitalization of $488.55 million, with shareholders equity totaling $346.14 million.

The company employs approximately 336 people and operates in the Financial sector, within the Banks industry.

Over the past 12 months, Citizens & Northern Corporation reported $142.51 million in revenue, generating net income of $25.35 million.

Key financial metrics include a P/E ratio of 19.27, a price-to-book (P/B) ratio of 1.41, and a trailing twelve-month dividend yield of 4.07%.

The company trades under the ticker CZNC.

Market cap

$488.55 million

Net worth

$346.14 million

$346,139,000.00

Assets

$3.15 billion

$3,151,984,000.00

Total Shares Outstanding

17.77 million

17,771,000

Average Daily Trading Volume

$63.14 Thousand

$63,140.00

Sector

Financial

Industry

Banks

CZNC

CZNC revenue and profits

Financial Results CZNC

DRAG THE FRAME TO SEE MORE DATA

CZNC cash flow

DRAG THE FRAME TO SEE MORE DATA

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