NASDAQ · CZNC

Citizens & Northern Corporation

$25.14 +$0.79 (+3.24%) 1D Market open
Charting by TradingView

Key Metrics

$436.27M
Market cap
25.06×
P/E · TTM
—
Revenue · TTM
$17.41M
Net income
EPS · TTM $1.13
Dividend yield 3.9%
Free cash flow $37.52M
Beta · 1Y 0.29
EBITDA · TTM $23.77M
Gross margin —

The Story So Far

LAST 6 MONTHS PRIMARY SOURCES ONLY
  • Jul 23
    A material event was filed (Form 8-K).

    8-K - CITIZENS & NORTHERN CORP (0000810958) (Filer)

    RECEIPT: SEC FORM 8-K, TIMESTAMPED
  • Jul 16
    Money rotated out of high-beta cohorts market-wide.

    High-beta names lagged the blue-chips by 20.3 points over ten sessions around this date. Stocks in that cohort weren't falling alone — they fell together.

    RECEIPT: ROTATION GAUGE, LIVE

The story updates itself as events post · The wolf reports; you decide

Snapshot

Market cap$436.27M
Enterprise value—
Shares outstanding17.9M
52-wk range$18.16 – $25.00
Avg volume · 20D30.3K
Net cash —
Book value / share$21.88
IndustryState Commercial Banks
ExchangeNASDAQ
About Citizens & Northern Corporation
IPO dateMar 16, 1994
Employees460

Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers.

Wolf Grade COMING SOON

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The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E25.06
P/S—
P/FCF11.63
EV/EBITDA—
EV/Sales—
Graham №$23.64

Profitability

Gross —
Operating —
Net —
FCF —
ROE / ROIC 5.7% · 6.2%

Financial Health

Current ratio—
Quick ratio—
Debt / equity—
Debt / EBITDA —
Net cash —
Working capital—

Cash Flow · TTM

Operating CF $39.07M
Capex −$1.55M
Free cash flow $37.52M
Buybacks —
Dividends paid $16.96M
Shareholder yield 3.9%

Piotroski F-Score

3 / 9
Weak fundamentals · 3 of 9 signals passing

Altman Z-Score

—
Insufficient balance-sheet inputs

Graham Number vs Price

$23.64 vs $24.60
Trades 1.0× above classic defensive value — priced for growth
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings