Citizens & Northern Corp (CZNC) Stock

About Citizens & Northern Corp

Citizens & Northern Corp is led by CEO J. Bradley Scovill, employs 386 people, headquartered in US, publicly traded since 1994.

Citizens & Northern Corp (CZNC) stock trades at $27.75 with a market capitalization of $497.69M. The stock is valued at a price-to-earnings (P/E) ratio of 17.37, price-to-book of 1.31, price-to-sales of 2.79. Over the past 52 weeks the stock has ranged between $18.87 and $27.75, and currently trades at or near its 52-week high. It pays a dividend yielding 4.37%.

On profitability, Citizens & Northern Corp generates a return on equity (ROE) of 7.70%, return on capital employed of 0.43%, an operating margin of 18.83%, a net profit margin of 15.42%.

Citizens & Northern Corp by the numbers, 2016–2025

Between 2016 and 2025 Citizens & Northern Corp reported revenue of $60.0M rising to $154.0M, a change of +156.7% across 10 years. Compounded, revenue has grown 9.0% a year over five years, 10.2% over three, -0.7% over the last twelve months. Net profit rose to $23.0M.

Operating margin went from 35.4% in 2016 to 18.6% in 2025, a fall of 16.8 percentage points. The most recent net margin is 15.42%. On a trailing twelve-month basis to Jun '26, revenue is $164.0M and net profit $25.0M.

Borrowings rose from $65.0M to $193.0M, cash from operations was $32.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 9.3% over five years, and was 6.7% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Citizens & Northern Corp (CZNC) — frequently asked questions