Financials · Banks - Regional

Citizens & Northern Corp CZNC

$25.36+0.06 (+0.24%)delayed quote · as of 2026-08-05 09:24 UTC

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Market cap

$455.0M

Previous close

$25.30

Volume

70K

52-week range

$18.20 – $25.84

Verdictconfidence 75% · moderate

Value and Health stand out; execution flashes caution.

2 of 5 dimensions score well; execution flashes caution. Growth and Momentum not scored — not enough data.

Value1004/4 checks

Growth—1/2 checks

Execution331/3 checks

Health1003/3 checks

Momentum—2/2 checks

Fair-value estimate $44.10 per share (Earnings anchor 30x (no cash-flow model available)) — the price sits 42% below it.

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Key ratioslatest filing FY 2025

Value

P/E TTM

17.3

P/E FWD

9.2

EV/EBITDA TTM

—

PEG

0.47

Growth

Revenue 3y

—

Revenue YoY

—

Expected EPS

+87.1%

Execution

ROE

6.9%

Execution checks

bank measures

Health

Equity/assets

10.9%

Solvency score

n/a for financials

Momentum

vs 50-day

—

vs 200-day

—

52-wk range

94%

FY 2025: revenue — · net income $23.4M · free cash flow $30.1M (SEC EDGAR filings)

ALAN GLOBAL INTELLIGENCE · alanglobalintelligence.comquote as of 2026-08-05 09:24 UTC · fundamentals FY 2025 · SEC EDGAR

Verdict

Reading CZNC’s filed statements…

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For information and research only. Not investment advice. ALAN does not place trades or execute orders. Figures come from the sources shown and can lag the market; verify independently before making decisions. Past performance is not predictive of future results.