Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CZNC
HOLDCitizens & Northern Corporation · Financial Services · United States · $436M · 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% | 112.9M | — | — | — |
| EPS | 1.71 | 1.57 | 1.69 | 1.46 | -5.1% | 1.07 | 1.54 | 2.11 | 20.3% |
| Shares | 15.5M | 15.3M | 15.4M | 17.8M | +14.9% | 17.9M | — | — | — |
| Debt | 178.7M | 209.4M | 205.2M | 187.9M | 1.7% | 194.2M | — | — | — |
| Equity | 249.3M | 262.4M | 275.3M | 341.7M | 11.1% | — | — | — | — |
| Op CF | 34.6M | 33.5M | 33.0M | 32.0M | -2.6% | 39.1M | — | — | — |
| 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) | $436M | 46 | HOLD |
| PBFS | Pioneer Bancorp, Inc. | $445M | 48 | HOLD |
| AVBC | Avidia Bancorp, Inc. | $400M | 47 | HOLD |
| BSVN | Bank7 Corp. | $471M | 51 | HOLD |
| HIFS | Hingham Institution for Savings | $614M | 48 | HOLD |
| MVBF | MVB Financial Corp. | $374M | 52 | HOLD |
| BMRC | Bank of Marin Bancorp | $466M | 37 | HOLD |
| AVBH | Avidbank Holdings, Inc. | $349M | 39 | HOLD |
| FBLA | FB Bancorp, Inc. | $251M | 45 | HOLD |
| CHMG | Chemung Financial Corporation | $390M | 55 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%