# Citizens & Northern Corp (CZNC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $26.11, market value $468 million.

## Valuation
- **P/E (trailing): 17.8×** (5-yr avg 11.5×, 3-yr avg 12.0×). Citizens & Northern Corp trades at 17.8× trailing earnings, well above its own five-year average of 11.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.6%** (5-yr avg 10.6%). Free cash flow equals 9.6% of the market value, in line with its five-year average of 10.6%. Above 5% is generally attractive.
- **Earnings yield: 5.6%**. The inverse of the P/E: 5.6% of the price is earned each year.

## Profitability
- **Return on equity: 6.9%**. 6.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -13.6%** (3-yr -5.1%/yr, 5-yr 2.3%/yr). Earnings per share fell 13.6%.
- **Free-cash-flow growth (3 yr): -1.3%/yr**. Free cash flow has compounded at -1.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Cash and short-term investments: $46 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.29%** ($1.12 per share, trailing). Citizens & Northern Corp yields 4.29%, an income-level yield.
- **Payout ratio: 70%** (39% of free cash flow). 70% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 0.7%/yr** (1-yr 0.0%). The dividend has grown 0.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 33.0%** (YTD 32.7%, 3-mo 22.3%). The shares are up 33.0% over twelve months including dividends.
- **From 52-week high: -0.6%** (38.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.26** (volatility 23%). Beta of 0.26 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CZNC · Page: https://foliofundamentals.com/stocks/cznc

Not investment advice.