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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.Analyst Target
Analyst consensus price target: $23.50.What is 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.
CZNC · Verdict
Moderate reward · moderate risk
CZNC stands out on volatility and profitability, but watch the balance sheet signal.
Based on 88% data coverage
CZNC · Verdict
What’s working & what to watch
Strengths 3
- Volatility80/100
Top decile vs peers
- Profitability75/100
15% net margin · 8% ROE
- Cash flow75/100
15% net margin
Watchouts 2
- Balance sheet16/100
Net debt/EBITDA 5.0×
- Valuation43/100
P/E 11.2× · PEG 1.35
Model-based scoring. For information only — not financial advice.
What is 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. Its 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 405.31M, and a P/E ratio of 15.6x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (53)The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are moderate, consistent with typical market exposure.
For informational purposes only. Not financial advice.