Citizens & Northern Corporation
NCM: CZNCLive Quote
📈 ZcoreAI Score
Our AI model analyzes Citizens & Northern Corporation's price action across multiple timeframes using regression channels and statistical scoring.
Get CZNC Z-Score →About Citizens & Northern Corporation
Financial Services
Banks - Regional
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.
📊 Fundamental Analysis
Citizens & Northern Corporation demonstrates a healthy profit margin of 20.1%.
The company recently reported 24.5% revenue growth, which is well above average for the Financial Services sector.
Return on Equity (ROE) is 7.6%, which suggests room for improvement in capital utilization.
At a current price of $23.74, CZNC currently trades near the top of its 52-week range (94%) (Range: $18.02 - $24.12).
💰 Valuation Insight
CZNC trades at a 35.5% premium to the sector average PE of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.
🏥 Financial Health
⚠️
Profit Margin
Moderate
✅
Revenue Growth
Excellent
🔴
Return on Equity
Weak
✅
Beta (Risk)
Low Volatility
Key Financials
Market Cap
$425.19M
Trailing P/E
16.26
Forward P/E
8.79
Beta (5Y)
0.49
52W High
$24.12
52W Low
$18.02
Avg Volume
49K
Day High
Day Low