Citizens & Northern Corp (CZNC)
Citizens & Northern Corporation is a bank holding company whose common stock trades on NASDAQ under the symbol CZNC. Through Citizens & Northern Bank, it provides banking and related financial services to individual and corporate customers. Its product set includes deposit accounts such as checking, savings, money market, and certificates of deposit, along with debit cards and lending activities covering commercial, mortgage, and consumer loans. The company also provides commercial letters of credit and lines of credit. In addition, it offers wealth management, retirement, estate, and asset management services, as well as insurance and other investment-related products through registered agents and broker-dealer arrangements. Citizens & Northern Corporation serves customers in Northcentral Pennsylvania, the Southern Tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. The company was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.
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| Ticker | Fair Value | Fair Value Upside/Downside | Fair Value Rating | Analyst Price Target | Analyst Target Upside/Downside | Analyst Target Rating | Overall Financial Health | Dividend Yield | Next Earnings Date | P/E Ratio | Price-to-Book Ratio | Price-to-Sales Ratio | Market Cap | Total Debt / Total Capital | Free Float / Shares Outstanding | Altman Z-Score | Payout Ratio | Free Cash Flow / Net Income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
NASDAQ-CZNC
|
$26.54
|
-4.4% Downside
|
Fair
|
$27
|
-2.7% Downside
|
Fair
|
Good
|
4.0%
|
January 21, 2027
|
14.3x
|
1.4x
|
3.5x
|
497.7 M
|
25.8%
|
94.9%
|
-1.8
|
69.5%
|
128.3%
|
