Citizens & Northern CorpCZNC
Price$25.19Intrinsic value$17.8929% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $122.7M+13.2% YoYTTM through 30 Jun 2026
Net Income $25.3M-2.4% YoYTTM through 30 Jun 2026
Free Cash Flow $44.8MTTM through 30 Jun 2026

Margins

Current
Operating Margin24.0%
Net Margin19.1%

Returns

6.9%ROE
0.7%ROA
9.1%ROIC

Balance Sheet Health

Debt / Equity0.56x
Net Debt-$363Mnet cash position
Cash & Equivalents$82.5M

Quality Metrics

Piotroski F-Score3 / 9
FCF Margin36.5%
Earnings-Beat Rate0.0%

Multi-Year Trend

Diluted EPS
'19'20'21'22'23'24'25
FY2025: $1.46

Dividend

$0.56Per share, FY20265.10%Yield-12.8%5-yr growth

Capital Allocation

Capex Intensity1.0%

Segment Performance

No segment data available.

All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.