CZNC - Citizens & Northern Corporation
NEXT EARNINGS:
Apr 16, 2026
EPS Est: $0.58
|
Rev Est: $35.6M
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$23.50
DETAILS
HIGH:
$23.50
LOW:
$23.50
MEDIAN:
$23.50
CONSENSUS:
$23.50
UPSIDE:
3.34%
Market Cap:
349.07M
Volume:
44,894
Avg Volume:
58,986
52 Week Range:
18.02-24.12
Sector:
Financial Services
Industry:
Banks - Regional
Beta:
0.53
Last Dividend:
$1.12
Exchange:
NASDAQ
Country:
US
Employees:
386
IPO Date:
1994-04-05
EPS (TTM):
1.46
P/E Ratio:
13.73
Revenue (TTM):
154.19M
Total Assets:
3.13B
Total Debt:
189.47M
Cash & Equiv:
46.06M
Rev Growth (5Y):
9.0%
EPS Growth (5Y):
2.3%
FCF Growth (5Y):
9.7%
ROCE:
N/A
Debt/Equity:
0.55
Earnings History
| Date | EPS Actual | EPS Est | EPS Surprise | Rev Actual | Rev Est | Rev Surprise |
|---|---|---|---|---|---|---|
| 2026-01-28 | $0.56 | $0.58 | -3.4% | $36.0M | $35.6M | +1.2% |
| 2025-10-23 | $0.47 | $0.53 | -11.3% | $29.0M | $28.6M | +1.5% |
| 2025-08-08 | $0.40 | $0.47 | -14.9% | $26.9M | $27.7M | -2.8% |
| 2025-04-23 | $0.41 | $0.44 | -6.8% | $26.6M | $27.7M | -4.0% |
| 2025-01-23 | $0.53 | $0.45 | +17.8% | $27.7M | $26.9M | +2.9% |
| 2024-10-17 | $0.41 | $0.45 | -8.9% | $26.8M | $26.9M | -0.6% |
| 2024-08-07 | $0.40 | $0.39 | +2.6% | $26.8M | $26.5M | +1.2% |
| 2024-05-07 | $0.35 | $0.35 | 0.0% | $25.2M | $26.7M | -5.4% |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 154.19M | 155.47M | 136.24M | 115.48M | 108.95M | 100.44M | 82.97M | 69.65M | 60.99M | 59.63M | 61.87M | 61.61M |
| Net Income | 23.43M | 25.96M | 24.15M | 26.62M | 30.55M | 19.22M | 19.50M | 22.01M | 13.43M | 15.76M | 16.47M | 17.09M |
| EPS | 1.46 | 1.69 | 1.57 | 1.71 | 1.92 | 1.30 | 1.46 | 1.80 | 1.10 | 1.30 | 1.35 | 1.38 |
| Total Assets | 3.13B | 2.61B | 2.52B | 2.45B | 2.33B | 2.24B | 1.65B | 1.29B | 1.28B | 1.24B | 1.22B | 1.24B |
| Total Debt | 189.47M | 207.67M | 211.76M | 181.78M | 77.56M | 91.18M | 144.85M | 48.77M | 70.95M | 64.63M | 92.26M | 78.60M |
| Cash & Equivalents | 46.06M | 126.17M | 56.88M | 55.05M | 104.95M | 101.86M | 35.20M | 37.49M | 40.24M | 32.11M | 36.06M | 36.05M |
| Operating Cash Flow | 0 | 33.03M | 33.55M | 34.60M | 34.84M | 24.78M | 22.46M | 25.89M | 19.37M | 18.51M | 19.69M | 22.28M |
| Free Cash Flow | 0 | 31.13M | 31.28M | 31.31M | 32.98M | 21.65M | 19.59M | 24.73M | 17.68M | 16.93M | 18.65M | 21.48M |
| FCF per Share | N/A | 2.04 | 2.05 | 2.03 | 2.09 | 1.47 | 1.47 | 2.02 | 1.46 | 1.41 | 1.53 | 1.73 |
| Book Value | 341.71M | 275.28M | 262.38M | 249.32M | 301.40M | 299.76M | 244.45M | 197.37M | 188.44M | 186.01M | 187.49M | 188.36M |
| Cash & ST Investments | 554.66M | 348.61M | 472.63M | 553.08M | 622.63M | 451.19M | 381.93M | 400.76M | 396.18M | 427.19M | 456.35M | 552.85M |
| ROC Equity | 0.07 | 0.09 | 0.09 | 0.11 | 0.10 | 0.06 | 0.08 | 0.11 | 0.07 | 0.08 | 0.09 | 0.09 |