Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CZNC
BuyHot AirCitizens & Northern Corporation · Financial Services · United States · $458M · Avg Vol: $2M/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 106.0M | 103.1M | 106.5M | 120.8M | 4.5% | 127.3M | — | — | — |
| EPS | 1.71 | 1.57 | 1.69 | 1.46 | -5.1% | 1.47 | 1.70 | 2.15 | 21.5% |
| Shares | 15.5M | 15.3M | 15.4M | 17.8M | +14.9% | 17.9M | — | — | — |
| Debt | 178.7M | 209.4M | 205.2M | 187.9M | 1.7% | 171.1M | — | — | — |
| Equity | 249.3M | 262.4M | 275.3M | 341.7M | 11.1% | — | — | — | — |
| Op CF | 34.6M | 33.5M | 33.0M | 32.0M | -2.6% | 46.0M | — | — | — |
| Inv CF | -234.7M | -53.2M | -20.9M | 0.2M | — | — | — | — | — |
| Fin CF | 151.9M | 24.7M | 58.7M | -111.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CZNC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CZNC | Citizens & Northern Corporation(you) | $458M | 65 | Buy |
| CBK | Commercial Bancgroup, Inc. | $467M | 63 | Hold |
| ISTR | Investar Holding Corporation | $417M | 67 | Buy |
| HBCP | Home Bancorp, Inc. | $547M | 64 | Hold |
| WSBF | Waterstone Financial, Inc. | $379M | 66 | Buy |
| FRBA | First Bank | $443M | 60 | Hold |
| USCB | USCB Financial Holdings, Inc. | $414M | 62 | Hold |
| UNTY | Unity Bancorp, Inc. | $590M | 64 | Hold |
| NRIM | Northrim BanCorp, Inc. | $571M | 67 | Buy |
| OBT | Orange County Bancorp, Inc. | $511M | 70 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%