Citizens & Northern Corporation
CZNCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 1, 2026
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Daily timeframeHeadquartered within the financial services sector, Citizens & Northern Corporation focuses on Banks - Regional services and products. Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company carries a $377.3M market cap, placing it firmly in the small-cap category. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit.
Market Cap
$377.3M
Beta
0.44
P/E (TTM)
19.68
P/E (Fwd)
7.80
EPS (TTM)
$1.07
EPS (Fwd)
$2.70
ROE
5.6%
ROA
0.6%
Cash
$56.0M
Total Debt
$194.2M
Free CF
—
52W Change
15.1%
Annual Financials
Cash vs Debt
On the balance sheet, CZNC has $56.0M in cash with $194.2M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 5.6%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.6% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $106.0M to $120.8M.
The relatively low beta of 0.44 suggests CZNC is a less volatile holding compared to the broader index. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Citizens & Northern Corporation and its sector.