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Home CompaniesCitizens & Northern Corp

Citizens & Northern Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
28.09 USD 0.17 ( 0.61%)
Last update at 2026-11-09T15:47:00Z
VOLUME
13796
Market Cap
416.05M
P/E
15.91

Momentum Score

…

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'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. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
27.91
Low
28.50
High
52 Week Price Range
17.27
Low
24.11
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Citizens & Northern Corp is the bank holding company of a Pennsylvania-based community bank that provides deposit, commercial and consumer lending, mortgage and treasury services to local individuals and businesses. Long-term growth may be supported by net interest income sensitivity to local loan expansion, growth of fee-based services and selective balance-sheet initiatives, and the company appears positioned to leverage customer relationships in its regional markets.
Investment risks include geographic and credit concentration tied to the local economy, interest-rate and margin volatility, competitive pressure from larger banks and fintech, and regulatory and execution risk.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
27.92
Dividend Yield
4.73%
Revenue TTM
116.63M
Revenue Per Share
7.31
Gross Profit TTM
116.63M
Debt / Equity
0.56
ROE
7.59%
Net Debt
147.00M
ROCE
0.93%
Diluted EPS TTM
1.46

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 28.64M 31.87M 30.48M 32.35M 37.69M
Net income 23.43M 25.96M 24.15M 26.62M 30.55M
Selling general administrative 53.25M 44.93M 44.20M 41.83M 48.49M
Selling and marketing expenses - 42.76M 49.55M - -
Gross profit 100.75M 104.31M 102.95M 105.96M 103.82M
Reconciled depreciation 2.36M 2.18M 2.15M 2.39M 2.13M
Ebit - 31.87M 30.48M 41.87M 37.69M
Ebitda 28.64M 34.05M 32.63M 44.26M 39.82M
Depreciation and amortization - 2.18M 2.15M 2.39M 2.13M
Operating income 28.64M 31.87M 30.48M 41.87M 37.69M
Other operating expenses 125.55M 123.60M 105.76M 2.00M -66.13M
Interest expense 47.36M 48.96M 33.10M 9.52M 6.56M
Tax provision 5.22M 5.91M 6.33M 5.73M 7.13M
Interest income 139.22M 128.08M 113.50M 92.65M 84.50M
Net interest income 91.85M 79.11M 80.40M 83.13M 77.94M
Income tax expense 5.22M 5.91M 6.33M 5.73M 7.13M
Total revenue 154.19M 155.47M 136.24M 105.96M 103.82M
Total operating expenses 72.11M 72.44M 72.47M 2.00M -66.13M
Cost of revenue 53.44M 51.16M 33.29M - -
Total other income expense net - -94.03M -14.52M -9.52M -6.56M
Net income from continuing ops 23.43M 25.96M 24.15M 26.62M 30.55M
Net income applicable to common shares - - - 26.62M 30.31M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3132.47M 2610.65M 2518.37M 2454.31M 2327.65M
Intangible assets 11.57M 2.08M 2.47M 2.88M 3.32M
Other current assets -302.73M - 66.50M 27.98M 1103.60M
Total liab 2790.76M 2335.37M 2255.99M 2204.98M 2026.24M
Total stockholder equity 341.71M 275.28M 262.38M 249.32M 301.40M
Other current liab - 2093.91M 782.15M -102.61M -23.63M
Common stock 18.30M 16.03M 16.03M 299.20M 296.38M
Capital stock 18.30M 16.03M 16.03M 299.20M 16.03M
Retained earnings 171.21M 165.78M 157.03M 151.74M 142.61M
Other liab - - - 17.36M 23.63M
Good will 63.31M 52.51M 52.51M 52.51M 52.51M
Other assets 2304.34M 2058.44M 0.00M 1317.58M 1103.60M
Cash 46.06M 126.17M 56.88M 55.05M 104.95M
Total current liabilities 41.66M 2096.40M 848.80M 102.61M 23.63M
Current deferred revenue - - - - 21.82M
Net debt 147.00M 81.50M 158.45M 203.73M -27.39M
Short term debt 41.66M 2.49M 66.66M 77.00M 1.80M
Short long term debt 27.00M 0.00M 63.66M 77.00M 0.00M
Short long term debt total 193.05M 207.67M 215.33M 258.78M 77.56M
Other stockholder equity 174.99M 130.24M 127.76M -151.74M -142.61M
Property plant equipment - - - 21.57M 20.68M
Total current assets 46.24M 357.34M 66.50M 561.73M 629.86M
Long term investments 291.32M 402.38M 415.75M 498.03M 517.68M
Net tangible assets - - - 193.94M 245.58M
Short term investments 291.32M 222.44M 415.75M 498.03M 517.68M
Net receivables 11.59M 8.73M 9.14M 8.65M 7.24M
Long term debt 160.85M 205.18M 145.72M 181.78M 77.56M
Inventory - - 47.74M 0.28M 0.68M
Accounts payable - - - 25.61M 23.63M
Accumulated other comprehensive income -22.80M -36.76M -38.44M -49.88M 5.03M
Common stock total equity - - - 16.03M 16.03M
Retained earnings total equity - - - 151.74M 142.61M
Treasury stock - - - -12.52M -6.72M
Non currrent assets other 660.27M 102.53M 2322.87M -20.88M -5.89M
Non current assets total 3086.22M 2253.31M 2451.87M 574.99M 594.18M
Long term debt total - - - 39.37M 47.71M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 59.94M -20.94M -53.20M -245.85M -106.84M
Change to liabilities - - - -0.59M 0.21M
Total cashflows from investing activities 0.20M -20.94M -53.20M -234.69M -103.89M
Net borrowings -64.19M -4.25M 29.85M 104.30M -13.15M
Total cash from financing activities -111.07M 58.70M 24.73M 151.94M 68.88M
Change to operating activities - - - -1.13M -0.36M
Net income 23.43M 25.96M 24.15M 26.62M 30.55M
Change in cash -78.87M 70.80M 5.08M -48.15M -0.17M
Begin period cash flow 123.57M 52.78M 47.70M 95.85M 96.02M
End period cash flow 44.71M 123.57M 52.78M 47.70M 95.85M
Total cash from operating activities 32.00M 33.03M 33.55M 34.60M 34.84M
Issuance of capital stock - 0.00M 0.00M 0.16M 0.21M
Depreciation 2.36M 2.18M 2.15M 2.39M 2.13M
Other cashflows from investing activities 0.20M -32.43M -140.66M 14.45M 4.81M
Dividends paid 16.29M 15.53M 15.57M -15.87M -15.98M
Change to inventory - - 2.70M - -
Change to account receivables -0.76M -3.01M -1.40M -3.53M 0.19M
Sale purchase of stock -0.22M -0.63M -6.78M -9.35M -7.59M
Other cashflows from financing activities -30.37M 79.11M 17.23M 200.95M 144.48M
Change to netincome - - - 6.87M 0.47M
Capital expenditures 1.91M 1.91M 2.27M 3.29M 1.86M
Cash flows other operating - - - -3.45M -0.72M
Cash and cash equivalents changes - - - -48.15M -0.17M
Change in working capital -5.72M 3.15M 0.06M -4.67M -0.18M
Stock based compensation 1.29M 1.49M 1.47M 1.26M 1.21M
Other non cash items 14.30M 1.76M 4.88M 9.40M 2.50M
Free cash flow 28.13M 31.13M 31.28M 31.31M 32.98M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CZNC
Citizens & Northern Corp		 0.17
0.61%		 28.09 15.91 11.19 3.57 1.24 5.06
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

Citizens & Northern Corp

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'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. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

90-92 Main Street, Wellsboro, PA, United States, 16901

570 724 3411

https://www.cnbankpa.com

460

Name Title Year Born
Mr. J. Bradley Scovill Pres, CEO & Director 1959
Mr. Mark A. Hughes Treasurer 1962
Ms. Kelley A. Cwiklinski Sr. VP & Director of Commercial Lending NA
Mr. Patrick F. Donnelly Chairman of Canisteo Valley Corp, CEO of Canisteo Valley Corp and Pres of Canisteo Valley Corp NA
Mr. J. Bradley Scovill President, CEO & Director 1959
Mr. Stan R. Dunsmore EVP and Chief Credit Officer of Citizens & Northern Bank 1962
Mr. Blair T. Rush EVP and Southeast Region President of Citizens & Northern Bank 1962
Mr. Thomas L. Rudy Jr. EVP, Chief Delivery Officer and Region President of Citizens & Northern Bank 1965
Ms. Kelley A. Cwiklinski Executive VP & Chief Commercial Lending Officer 1964
Mr. Philip Prough CFP, CIMA Senior VP & Chief Investment Strategist NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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