Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 10% below Graham Number — thin margin of safety
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 7.4% — below-average profitability
- High dividend yield of 5.1%
CITIZENS & NORTHERN CORPORATION (CZNC) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $396 million . Key value metrics: P/E ratio 15.6, P/B ratio 1.16, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
CITIZENS & NORTHERN CORPORATION — Fundamental Analysis Summary
CITIZENS & NORTHERN CORPORATION (CZNC) is trading 10% below its Graham Number of $24.64, offering a thin margin of safety. The stock carries a reasonable trailing P/E ratio of 15.6x.
On financial health, CZNC shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 7.4% (sector average: 5.8%), and minimal leverage with a debt-to-equity ratio of 0.08.
StockPik's composite Value Score for CZNC is 70/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
CZNC shows earnings declining at 10%.
CZNC pays a high dividend yield of 5.1%.