CITIZENS & NORTHERN CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q1 2026.

Public ticker
CZNC on Nasdaq
Latest financial report
08 May 2026
Company Names, identifiers, and filing context for this profile. 1 identity field
Company location
Wellsboro, PA
SEC filing record 1 source field available
Fiscal year end
31 December

Shareable Research Card

CZNC - CITIZENS & NORTHERN CORP Financial Facts

CZNC - CITIZENS & NORTHERN CORP has a source-backed company facts page for reviewing reported financial metrics, periods, and linked metric histories.

Start with the latest metric summary, then open metric histories or cross-company rankings to compare the same SEC-backed facts.

Context
Latest metrics period: Q1 2026
Latest reported value
Return On Equity 5.6%

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.

Open stable link Open latest 10-Q/10-K hub Which companies report the highest net income?

Return Loop

Why revisit this company facts page

Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.

Latest source-backed update
Latest metrics period Q1 2026
Why come back
Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
  • Current latest metrics period: Q1 2026.
  • Most recent SEC facts end date on this page: 31 Mar 2026.
  • Save this filer to return when the next filing-backed metric period changes the picture.

Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.

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Latest update

Latest update for CZNC - CITIZENS & NORTHERN CORP

New fact period available

Latest financial period: Q1 2026. Reopen this facts page to verify the newest reported period against the prior baseline.

Update date

08 May 2026

Page type

Company facts

Latest period

Q1 2026

SEC-backed company facts were refreshed from filings filed on 08 May 2026.

Open recent updates hub Open latest 10-Q/10-K hub

Benchmark Context

How Return On Equity compares

Return On Equity is down about 43% versus the comparable prior period.

Compared with

Compared with CITIZENS & NORTHERN CORP's recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.

Why this is notable

Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.

  • Latest comparable period on this page: Q1 2026.
  • Peer context will appear when enough companies report a comparable value for this metric.
  • Open the metric history first if you want to verify the exact period-to-period change.

Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.

Open NetIncomeLoss YoY history Which companies report the highest net income?

How to read key metrics on this page

These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.

Plain-English Guide

How to read Net Income on this page

Net income is profit after operating costs, interest, taxes, and other non-operating items.

Why people care

It is the bottom-line profit figure many users recognize first, especially when they want to compare earnings with sales or cash flow.

How to read it

Use the same quarter or fiscal year comparison first, then check operating income or cash flow if the bottom line moved sharply.

Compare next

Compare it with operating income, EPS, and operating cash flow to see whether earnings are broad-based or driven by one-off items.

Net income can swing because of tax, financing, or accounting adjustments, so it is often less comparable than core operating metrics.

Open a live SEC-backed example

Open Net Income guide

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Key facts

  • CZNC - CITIZENS & NORTHERN CORP financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q1 2026.
  • Headline metric: Return On Equity 5.6%.

Change

  • Return On Equity YoY change: -43%.
  • Most recent SEC facts end date: 31 Mar 2026.

Research use

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Evidence

Based on latest 10-Q/10-K

Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.

View source filing

Latest SEC snapshot (2026-03-31) highlights Return On Equity 5.6%, Return On Assets 0.6%, and NetIncomeLoss YoY -35.4%.

Valuation Snapshot

Simple DCF estimate from SEC company facts, using free cash flow, cash, debt, and reported share count when available.

DCF value materially below price

-51%

fair value gap

Fair value per share

$10.04

Market price

$20.61

CZNC - Local security

PEG ratio

5.2x

P/E 21.0x / growth 4%

DCF Growth Assumption

Enterprise value

$123.29M

Equity value

$178.09M

Key valuation metrics

EV/Revenue

n/a

Local security market EV / SEC revenue

Revenue is unavailable or not positive

EV/EBITDA

n/a

Local security market EV / SEC EBITDA

Ebitda is unavailable or not positive

P/E

21.0x

Local security market price / SEC EPS

P/S

n/a

Local security market cap / SEC revenue

Revenue is unavailable or not positive

P/B

1.1x

Local security market cap / SEC equity

PEG

5.2x

P/E / DCF Growth Assumption

Core assumptions

Projection
5 years
FCF growth
4%
Discount rate
10%
Terminal growth
2.5%

SEC fact inputs

Free cash flow
$8.47M
Net income
$17.41M
EBITDA
n/a
Cash
$54.8M
Debt
n/a
Equity
$335.56M
Shares
17,732,537

Data confidence notes

  • Debt missing: equity value treats debt as 0
  • Peg uses dcf growth assumption because historical sec growth is not positive

Compare This Company Through SEC-backed Metrics

Use these links to compare CZNC - CITIZENS & NORTHERN CORP against other SEC filers on the same metric, then verify the company history from the paired facts page.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

0.0/100

Weak Confidence low

Return On Equity

5.6%

Metric score 0.0/100

Return On Assets

0.6%

Metric score 0.0/100

Financial Health

Strengths

No strong signals yet.

Watchpoints

Return On Equity, Return On Assets, and NetIncomeLoss YoY

Key metrics snapshot

Profitability

Metric Latest value YoY change
Return On Equity 5.6% -43%
Return On Assets 0.6% -43%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY -35%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 17,910,243 +16%
Common Stock, Shares, Outstanding 17,909,958 +16%
Weighted Average Number of Shares Outstanding, Basic 17,732,537 +16%
Weighted Average Number of Shares Outstanding, Diluted 17,732,537 +16%

Supporting Metrics

These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.

Metric Latest value YoY change
Accumulated Other Comprehensive Income (Loss), Net of Tax $24,762,000 +24%
Additional Paid in Capital $184,325,000 +29%
Amortization of Intangible Assets $1,906,000 +379%
Assets $3,164,340,000 +21%
Cash and Cash Equivalents, at Carrying Value $54,798,000 -52%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $53,448,000 -52%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $8,742,000
Common Stock, Par or Stated Value Per Share 1 0%
Common Stock, Shares Authorized 30,000,000 0%
Common Stock, Shares, Issued 18,303,120 +14%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $25,335,000 -28%
Deferred Income Tax Assets, Net $18,827,000 +9.5%
Deferred Income Tax Expense (Benefit) $658,000 -187%
Depreciation, Depletion and Amortization $687,000 +24%
Earnings Per Share, Basic 1.07 -39%
Earnings Per Share, Diluted 0.02 -95%
Goodwill $63,311,000 +21%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $21,274,000 -36%
Income Tax Expense (Benefit) $3,867,000 -37%
Interest Paid, Excluding Capitalized Interest, Operating Activities $12,076,000 +7%
Liabilities $2,828,776,000 +22%
Liabilities and Equity $3,164,340,000 +21%
Net Cash Provided by (Used in) Financing Activities $34,124,000
Net Cash Provided by (Used in) Investing Activities $34,036,000 -717%
Net Cash Provided by (Used in) Operating Activities $8,654,000 +447%
Payments to Acquire Property, Plant, and Equipment $188,000 -65%
Preferred Stock, Par or Stated Value Per Share 1,000 0%
Preferred Stock, Shares Authorized 30,000 0%
Preferred Stock, Shares Issued 0
Property, Plant and Equipment, Net $27,256,000 +28%
Retained Earnings (Accumulated Deficit) $166,476,000 -0.75%
Stockholders' Equity Attributable to Parent $335,564,000 +19%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY
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