CZNC
Citizens & Northern Corporation
CZNC's fundamentals are mixed: revenue grew 34%, while its operating margin held steady at 29%. At 14x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
CZNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CZNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZNC.
CZNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $28.02 | — |
| Cheap | 11x | $23.17 | -17% |
| Fair | 13x | $26.50 | -5.4% |
| Current | 14x | $28.02 | — |
| Expensive | 16x | $32.44 | +16% |
Historical ranges are pointers, not guarantees.
CZNC's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
CZNC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect CZNC's earnings to grow and its profitability to improve, with its revenue holding steady.
CZNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.76 | +37% |
| Q3 2026 | $2.02 | +15% |
| Q2 2026 | $1.52 | -13% |
| Q1 2026 | $1.13 | -35% |
| Q4 2025 | $1.52 | -10% |
| Q3 2025 | $1.76 | +22% |
| Q2 2025 | $1.75 | +14% |
| Q1 2025 | $1.75 | +15% |
| Q4 2024 | $1.69 | +7.6% |
CZNC earned $2.02 per share over the past year, up 15% from the year before.
CZNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $39.6M | +34% |
| Q2 2026 | $39.4M | +35% |
| Q1 2026 | $36.6M | +36% |
| Q4 2025 | $36.9M | +32% |
| Q3 2025 | $29.6M | +8.3% |
| Q2 2025 | $29.3M | +7.3% |
| Q1 2025 | $27M | +4.9% |
| Q4 2024 | $28M | +11% |
CZNC's revenue has grown year over year for 10 quarters in a row: $40M last quarter, up 34% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +25 points |
| Q2 2026 | 44% | +19 points |
| Q1 2026 | 0.9% | -28 points |
| Q4 2025 | 15% | -22 points |
| Q3 2025 | 27% | -1.5 points |
| Q2 2025 | 26% | -1.7 points |
| Q1 2025 | 29% | +3.4 points |
| Q4 2024 | 36% | +13 points |
CZNC's operating margin was 52% last quarter, up 24 points from the same quarter a year ago, near the top of its range since 2019.
CZNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18M | +65% |
| Q2 2026 | $15.3M | +90% |
| Q1 2026 | $8.5M | +713% |
| Q4 2025 | $10.1M | -14% |
| Q3 2025 | $10.9M | +69% |
| Q2 2025 | $8M | +0.7% |
| Q1 2025 | $1M | -79% |
| Q4 2024 | $11.7M | +71% |
CZNC's free cash flow was $52M over the past year, up 64% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZNC.
CZNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +21.5K shares |
| 1 year | +16% | +2.4M shares |
| 3 years | +17% | +2.6M shares |
| 5 years | +13% | +2.1M shares |
| Available history | +34% | +4.5M shares |
CZNC has 18M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | $1.5M |
| Q1 2021 | $157,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $163,000 |
| Q4 2019 | — |
CZNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.3x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.7x | Very low |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -1.7x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
CZNC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZNC.
CZNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.4 | Overbought |
| Stochastic | 80.4 | Overbought |
CZNC's weekly RSI is 71 (overbought) and its Stochastic is 80 (overbought).
CZNC PE vs Financial Services Sector
| Metric | CZNC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.6% above |
| PE % | 64 | 63 | 1 pt above |
CZNC is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
CZNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.7 | 5% above |
| 20 week MA | $25.7 | 9.1% above |
| 50 week MA | $23.5 | 19% above |
| 100 week MA | $21.5 | 30% above |
| 200 week MA | $20.6 | 36% above |
CZNC is in an uptrend: it's above all five of its weekly moving averages, and 36% above its 200-week average.
CZNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $19.2 | -30% |
| 2021 | $19.2 | $26.1 | +36% |
| 2022 | $26.1 | $23.3 | -11% |
| 2023 | $23.3 | $22.4 | -3.9% |
| 2024 | $22.4 | $18.5 | -17% |
| 2025 | $18.5 | $20.6 | +11% |
| 2026 YTD | $20.6 | $28.0 | +36% |
CZNC is up 36% so far in 2026, after finishing lower in four of the previous six years.