Citizens & Northern Corp
Research Citizens & Northern Corp (CZNC) on Bullrun: valuation model: 20.0% overvalued, market cap USD 453.40M, P/E 17.1, dividend yield 4.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCZNC
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal20.0% overvalued
- Market capUSD 453.40M
- P/E17.1
- Dividend yield4.5%
- Financial periodQ2 2026
- RevenueUSD 38.88M
- Net incomeUSD 14.06M
- Free cash flowUSD 15.27M
Valuation Snapshot
Bullrun's latest valuation model marks Citizens & Northern Corp as 20.0% overvalued; latest market cap is USD 453.40M; P/E is 17.1; dividend yield is 4.5%.
Peer valuation comparison
Latest P/E is 17.08x versus a Financial Services sector median of 13.41x (27.4% above).
Latest dividend yield is 4.45% versus a Financial Services sector median of 3.66% (21.8% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 120.84M | USD 23.43M | USD 30.10M | n/a | 1.46 | USD 46.06M | USD 28.62M | USD 341.71M |
| FY2024 | USD 106.51M | USD 25.96M | USD 31.13M | n/a | 1.69 | USD 126.17M | USD 2.49M | USD 275.28M |
| FY2023 | USD 103.14M | USD 24.15M | USD 31.28M | n/a | 1.57 | USD 56.88M | USD 33.87M | USD 262.38M |
| FY2022 | USD 105.96M | USD 26.62M | USD 31.31M | n/a | 1.71 | USD 55.05M | USD 80.06M | USD 249.33M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 453.40M | 17.1 | 4.4% | 1.12 |
| 2025 | 2025-12-31 | USD 359.50M | 13.6 | 5.6% | 1.12 |
| 2024 | 2024-12-31 | USD 287.06M | 11.1 | 6.0% | 1.12 |
| 2023 | 2023-12-29 | USD 342.61M | 12.5 | 5.0% | 1.12 |
| 2022 | 2022-12-30 | USD 354.34M | 13.7 | 4.9% | 1.12 |
| 2021 | 2021-12-31 | USD 411.63M | 13.6 | 4.2% | 1.11 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.12 USD, yield 4.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.12 USD |
| FY2024 | 1.12 USD |
| FY2023 | 1.12 USD |
| FY2022 | 1.12 USD |
About Citizens & Northern Corp
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;
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Frequently asked questions
Is Citizens & Northern Corp overvalued or undervalued?
Bullrun's valuation model currently marks Citizens & Northern Corp as 20.0% overvalued.
What is Citizens & Northern Corp's market cap?
Citizens & Northern Corp's market capitalization is USD 453.40M.
What is Citizens & Northern Corp's P/E ratio?
Citizens & Northern Corp's price-to-earnings (P/E) ratio is 17.1.
Does Citizens & Northern Corp pay a dividend?
Citizens & Northern Corp has a dividend yield of 4.5%.
What does Citizens & Northern Corp do?
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.