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Citizens & Northern Corp

NASDAQ • Financial Services • Banks - Regional • Quote as of 10/30/2026
Citizens & Northern Corp stock price and volume chart

Company Profile

IndustryBanks - Regional
SectorFinancial Services
ExchangeNASDAQ
Market Capitalization498.95 mln
Float16.98 mln
Earnings Date01/21/2027

EPS

1.96
Decent

P / E

14.30
Fair value

Piotroski F-Score

6 / 9
Solid

Relative Strength

91 / 100
Top performer

Debt / Equity

0.49
Low leverage

Pre-Tax Margin

22%
Healthy margin

Business Description

Founded in 1864 and based in Wellsboro, Pennsylvania, Citizens & Northern Corporation is the parent company of Citizens & Northern Bank, serving individuals and businesses across northern and central Pennsylvania and southern New York. The bank offers a broad range of financial products, from everyday checking and savings accounts to loans, lines of credit, and certificates of deposit. Customers can also access wealth management, retirement planning, estate services, and a variety of investment and insurance products through the bank's advisors and registered agents.

Key Fundamentals

EPS1.96
P/E14.30
ROE7.90
RPS8.03
ROIC1.11
ROA0.86
Interest Cover0.53
EBITDA, mln44.33
EV / EBITDA12.23
EV / EBIT13.86
Revenue, mln142
EV / Revenue3.80

Quote Details

Last 28.03
Change 0.21 (0.75%)
Open 27.99
Volume 58,230
Turnover 1,632,187
Average Volume 63,628

Financial Ratios

Pre-Tax Profit Margin22
Leverage Ratio9.18
Current Ratio0.23
Price / Book1.32
Price / Tangible Book1.68
Price / Cash Flow10.76
Price / Free Cash Flow10.54
Debt / Equity0.49
Price / Sales3.08
PEG Ratio1.21

Financial Strength

Piotroski F-Score 6 / 9
Price to Intrinsic Value0.80
Price to Graham Number1.03
Shiller PE Ratio13.78
Short Ratio5.98
Short % of Float1.92

Price Performance & Relative Strength

Period Price Performance Relative Strength
1 Week 1.01% 74 / 100   
1 Month 11.27% 92 / 100   
2 Months 15.21% 91 / 100   
6 Months 27.64% 92 / 100   
1 Year 53.25% 92 / 100   



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