A Business at a Glance
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CITIZENS & NORTHERN CORP operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 170M | 170M | 157M | 138M | 117M | 110M |
| Net Income | 23M | 23M | 26M | 24M | 27M | 31M |
| EPS | $1.46 | $1.46 | $1.69 | $1.57 | $1.71 | $1.92 |
| Free Cash Flow | 30M | 30M | 31M | 31M | 31M | 33M |
| ROIC | 6.6% | 7.2% | 8.9% | 8.7% | 10.1% | 9.7% |
| Gross Margin | 73.2% | 73.2% | 73.7% | 82.3% | 85.7% | 90.7% |
| Debt/Equity | 0.13 | 0.13 | 0.06 | 0.19 | 0.38 | 0.05 |
| Dividends/Share | $1.02 | $1.02 | $1.01 | $1.01 | $1.02 | $1.00 |
| Operating Income | 5.6M | 5.6M | 5.2M | 4.6M | 3.7M | 3.6M |
| Operating Margin | 3.3% | 3.3% | 3.3% | 3.3% | 3.2% | 3.2% |
| ROE | 6.9% | 7.6% | 9.4% | 9.2% | 10.7% | 10.1% |
| Shares Outstanding | 16M | 16M | 15M | 15M | 16M | 16M |
CITIZENS & NORTHERN CORP passes 3 of 9 quality checks, indicating weak fundamentals.
CITIZENS & NORTHERN CORP trades at 13.5x trailing earnings, compared to its 15-year median P/E of 11.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 13.3x vs a median of 9.9x. The company's 5-year average ROIC is 8.9% with a gross margin of 81.1%. Total shareholder yield (dividends) is 4.3%. At current prices, the estimated annualized return to fair value is +3.0%.
CITIZENS & NORTHERN CORP (CZNC) has a current P/E ratio of 13.5, compared to its historical median P/E of 11.3. The stock is currently considered Expensive based on its historical valuation range.
CITIZENS & NORTHERN CORP (CZNC) has a 5-year average return on invested capital (ROIC) of 8.9%. This is below average and may indicate limited pricing power.
CITIZENS & NORTHERN CORP (CZNC) has a market capitalization of $379M. It is classified as a small-cap stock.
Yes, CITIZENS & NORTHERN CORP (CZNC) pays a dividend with a trailing twelve-month yield of 4.30%.
Based on historical P/E analysis, CITIZENS & NORTHERN CORP (CZNC) appears expensive. The current P/E of 13.5 is 19% above its historical median of 11.3. The estimated fair value CAGR (P/E method) is 1.9%.
CITIZENS & NORTHERN CORP (CZNC) operates in the State Commercial Banks industry, within the Financials sector.
CITIZENS & NORTHERN CORP (CZNC) reported annual revenue of $170 million in its most recent fiscal year, based on SEC EDGAR filings.
CITIZENS & NORTHERN CORP (CZNC) has a net profit margin of 13.8%. This is a healthy margin.
CITIZENS & NORTHERN CORP (CZNC) generated $30 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CITIZENS & NORTHERN CORP (CZNC) has a debt-to-equity ratio of 0.13. This indicates a conservatively financed balance sheet.
CITIZENS & NORTHERN CORP (CZNC) reported earnings per share (EPS) of $1.46 in its most recent fiscal year.
CITIZENS & NORTHERN CORP (CZNC) has a return on equity (ROE) of 7.6%. This indicates moderate shareholder returns.
CITIZENS & NORTHERN CORP (CZNC) has a 5-year average gross margin of 81.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for CITIZENS & NORTHERN CORP (CZNC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CITIZENS & NORTHERN CORP (CZNC) has a book value per share of $21.30, based on its most recent annual SEC filing.