Citizens & Northern Corporation (CZNC) — Stock Score Summary

Citizens & Northern Corporation (CZNC) has a MoatMap StockRank of 36/100 based on Quality (32/100), Value (37/100), and Momentum (55/100) factor scores. The current signal is HOLD. Citizens & Northern Corporation is a US regional bank with no exposure to our core macro themes. It lacks the scale, network effects, or structural cost advantages required to be a high-conviction financial compounder.

Citizens & Northern Corporation operates as a bank holding company for Citizens & Northern Bank, providing retail and commercial banking services to individuals and businesses. The bank serves a specific geographic region with established customer relationships and local market expertise, fostering loyalty and a stable deposit base. It is a regional community bank with a long operating history, focusing on personalized service within its local markets.

Key Financial Metrics

Price$21.63
Market Cap$379M
P/E (TTM)19.53
P/E (Forward)7.74
Price/Book1.12
Return on Equity5.6%
Gross Margin0.0%
Operating Margin1.5%
Revenue Growth-13.8%
Dividend Yield5.4%

Citizens & Northern Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Citizens & Northern Corporation’s (CZNC) StockRank?
MoatMap’s StockRank for Citizens & Northern Corporation (CZNC) is 36/100, with a Hold signal. It is a composite of Quality (32), Value (37), and Momentum (55) factor ranks across MoatMap’s 19,000+ stock universe.
Does Citizens & Northern Corporation have an economic moat?
Citizens & Northern Corporation (CZNC) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Citizens & Northern Corporation a buy, hold, or sell?
MoatMap’s current signal for Citizens & Northern Corporation (CZNC) is Hold, based on a StockRank of 36/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Citizens & Northern Corporation in?
Citizens & Northern Corporation (CZNC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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