CZNC Citizens & Northern Corp - Common Stock

NASDAQ · Banking · Auf SEC EDGAR ansehen ↗
$20,84
Kurs · Mai 20, 2026
Fundamentaldaten per Mai 8, 2026

CZNC Aktien-Snapshot Kurs, Marktkapitalisierung, P/E, EPS, ROE, Schulden/Eigenkapital, 52-Wochen-Spanne

Kurs
$20.84
Marktkapitalisierung
$359M
P/E (TTM)
12.3
EPS (TTM)
$1.69
Umsatz (TTM)
Dividendenrendite
4.5%
ROE
7.5%
Verschuldungsgrad
0.1
52W-Spanne
$18 – $24

CZNC Aktienkurs-Chart Täglich OHLCV mit technischen Indikatoren — Schwenken, Zoom und Ansicht anpassen

10-Jahres-Performance Umsatz-, Nettoergebnis-, Margen- und EPS-Trends

Umsatz & Nettoergebnis
EPS $1.69
9-point trend, +30.0%
2016-12-31 2024-12-31
Freier Cashflow $30M
9-point trend, +77.8%
2016-12-31 2025-12-31
Margen 19.1%

Bewertung P/E-, P/S-, P/B-, EV/EBITDA-Verhältnisse — ist die Aktie teuer oder günstig?

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
P/E (TTM)
5-point trend, -9.6%
12.3
11.6
P/S (TTM) (K/V (TTM))
5-point trend, -26.1%
2.9
2.1
P/B (K/B)
5-point trend, -23.0%
1.1
0.9
EV / EBITDA
5-point trend, -0.0%
144.8
Price / FCF (Kurs / FCF)
5-point trend, -4.3%
11.9

Rentabilität Brutto-, Betriebs- und Nettomargen; ROE, ROA, ROIC

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
Net Profit Margin (Nettogewinnmarge)
5-point trend, -35.1%
19.1%
33.7%
ROA
5-point trend, -38.8%
0.82%
0.90%
ROE
5-point trend, -26.6%
7.5%
9.5%

Finanzielle Gesundheit Verschuldung, Liquidität, Solvenz — Bilanzstärke

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
Debt / Equity (Fremdkapital / Eigenkapital)
5-point trend, +1295.0%
0.1
21.9

Wachstum Umsatz-, EPS- und Nettoergebniswachstum: YoY, 3-Jahres-CAGR, 5-Jahres-CAGR

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
Revenue YoY (Umsatz YoY)
13.3%
Revenue CAGR 3Y (Umsatz CAGR 3J)
4.5%
Revenue CAGR 5Y (Umsatz CAGR 5J)
5.9%
EPS YoY (EPS VjV)
5-point trend, +30.0%
7.6%
Net Income YoY (Nettogewinn YoY)
5-point trend, -23.3%
-9.8%

Kennzahlen pro Aktie EPS, Buchwert pro Aktie, Cashflow pro Aktie, Dividende pro Aktie

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
EPS (Diluted) (EPS (Verwässert))
5-point trend, +30.0%
$1.69

Kapitaleffizienz Umsatz pro Vermögenswert, Lagerumschlag, Forderungsumschlag

Kennzahl
5-Jahres-Trend
CZNC
Peer-Median
Payout Ratio (Ausschüttungsquote)
5-point trend, +33.0%
69.5%

Dividenden Rendite, Ausschüttungsquote, Dividendenhistorie, 5-Jahres-CAGR

Dividendenrendite
4.5%
Ausschüttungsquote
69.5%
5J Div CAGR
Ex-DatumBetrag
4. Mai 2026$0,2800
2. Februar 2026$0,2800
3. November 2025$0,2800
4. August 2025$0,2800
2. Mai 2025$0,2800
3. Februar 2025$0,2800
28. Oktober 2024$0,2800
29. Juli 2024$0,2800
3. Mai 2024$0,2800
26. Januar 2024$0,2800
27. Oktober 2023$0,2800
28. Juli 2023$0,2800
28. April 2023$0,2800
2. Februar 2023$0,2800
28. Oktober 2022$0,2800
29. Juli 2022$0,2800
29. April 2022$0,2800
28. Januar 2022$0,2800
29. Oktober 2021$0,2800
30. Juli 2021$0,2800

CZNC Analysten-Konsens Bullische und bärische Analystenmeinungen, 12-Monats-Kursziel, Aufwärtspotenzial

VERKAUF 6 Analysten
  • Starker Kauf 0 0,0%
  • Kauf 0 0,0%
  • Halten 3 50,0%
  • Verkauf 1 16,7%
  • Starker Verkauf 2 33,3%

12-Monats-Kursziel

1 Analysten · 2026-05-14
Median-Ziel $24.00 +15,2%
Mittelwert-Ziel $24.00 +15,2%

Ergebnisverlauf EPS Ist vs. Schätzung, Überraschung %, Beat-Rate, nächstes Ergebnisdatum

Durchschn. Überraschung
-0.23%
Zeitraum EPS Actual EPS est. Überraschung
31. März 2026 $0.02 $0.59 -0.57%
31. Dezember 2025 $0.25 $0.60 -0.35%
30. September 2025 $0.42 $0.52 -0.10%
30. Juni 2025 $0.40 $0.47 -0.07%
31. März 2025 $0.41 $0.45 -0.04%

Vergleich mit Konkurrenten Wichtige Kennzahlen im Vergleich zu Branchenkollegen

Ticker Marktkapitalisierung P/E Umsatz Vj. Nettomarge ROE Bruttogewinnmarge
CZNC $359M 12.3 13.3% 19.1% 7.5%
CBK $336M 8.3 2.1% 41.2% 14.7%
AVBC $337M -93.4 14.7% -3.2% -1.1%
PBFS $338M 16.2 15.2% 128.3% 6.4%
FMAO $340M 10.2 19.6% 27.4% 9.2%
PLBC $311M 9.8 30.1% 13.0%
CARE $434M 14.2 4.7% 154.4% 7.6%
PKBK 7.9 26.8% 47.3% 11.9%
TFC $62.13B 12.9 53.0% 26.1% 8.2%

Vollständige Fundamentaldaten Alle Kennzahlen nach Jahr — Gewinn- und Verlustrechnung, Bilanz, Cashflow

Gewinn- und Verlustrechnung 10
Jährliche Gewinn- und Verlustrechnung-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +546.3% · · $33M $10M $7M $10M $10M $5M $4M $4M $5M $5M
Interest Income 12-point trend, +202.6% $139M $128M $114M $93M $85M $77M $65M $50M $46M $44M $45M $46M
Pretax Income 12-point trend, +25.7% $29M $32M $30M $32M $38M $23M $23M $26M $21M $21M $22M $23M
Income Tax 12-point trend, -8.4% $5M $6M $6M $6M $7M $4M $4M $4M $7M $5M $5M $6M
Net Income 12-point trend, +37.1% $23M $26M $24M $27M $31M $19M $20M $22M $13M $16M $16M $17M
EPS (Basic) 12-point trend, +5.8% $1.46 $1.69 $1.57 $1.71 $1.92 $1.30 $1.46 $1.79 $1.10 $1.30 $1.35 $1.38
EPS (Diluted) 11-point trend, +22.5% · $1.69 $1.57 $1.71 $1.92 $1.30 $1.46 $1.79 $1.10 $1.30 $1.35 $1.38
Shares (Basic) 12-point trend, +28.7% 15,949,789 15,262,504 15,241,859 15,455,432 15,765,639 14,743,386 13,298,736 12,219,209 12,115,840 12,032,820 12,149,252 12,390,067
Shares (Diluted) 11-point trend, +23.0% · 15,262,504 15,241,859 15,458,531 15,771,955 14,747,048 13,321,559 12,257,368 12,155,136 12,063,055 12,171,084 12,412,050
EBITDA 7-point trend, +34.7% $2M $2M $2M $2M $2M $2M · $2M · · · ·
Bilanz 19
Jährliche Bilanz-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +45.7% $46M $126M $57M $55M $105M $102M $35M $37M $40M $29M $33M $32M
PP&E (Net) 12-point trend, +70.7% $28M $21M $22M $22M $21M $22M $17M $15M $15M $15M $15M $16M
PP&E (Gross) 12-point trend, +26.9% $60M $52M $51M $52M $52M $52M $47M $47M $47M $50M $48M $47M
Accum. Depreciation 12-point trend, +3.9% $32M $30M $30M $31M $32M $31M $30M $32M $32M $34M $33M $31M
Goodwill 12-point trend, +430.2% $63M $53M $53M $53M $53M $53M $28M $12M $12M $12M $12M $12M
Intangibles 12-point trend, +22155.8% $12M $2M $2M $3M $3M $4M $1M $9.0K $12.0K $17.0K $30.0K $52.0K
Total Assets 12-point trend, +152.2% $3.13B $2.61B $2.52B $2.45B $2.33B $2.24B $1.65B $1.29B $1.28B $1.24B $1.22B $1.24B
Short-term Debt 12-point trend, +416.9% $29M $2M $34M $80M $2M $20M $86M $13M $62M $26M $53M $6M
Total Liabilities 12-point trend, +164.9% $2.79B $2.34B $2.25B $2.20B $2.03B $1.94B $1.41B $1.09B $1.09B $1.06B $1.04B $1.05B
Long-term Debt 5-point trend, -50.8% · · · · · · · $36M $9M $38M $39M $73M
Total Debt 11-point trend, +416.9% $29M $2M $34M $80M $2M $20M · $13M $62M $26M $53M $6M
Common Stock Flat — no change across 2 periods · · · · · · · · · · $13M $13M
Paid-in Capital 12-point trend, +159.6% $186M $144M $144M $144M $144M $144M $105M $73M $72M $72M $72M $72M
Retained Earnings 12-point trend, +62.2% $171M $166M $157M $152M $143M $130M $126M $123M $114M $113M $109M $106M
Treasury Stock 12-point trend, +58.7% $11M $13M $17M $13M $7M $1M $4M $6M $8M $10M $9M $7M
AOCI 12-point trend, -525.3% $-23M $-37M $-38M $-50M $5M $12M $4M $-4M $-2M $-898.0K $3M $5M
Stockholders' Equity 12-point trend, +81.4% $342M $275M $262M $249M $301M $300M $244M $197M $188M $186M $187M $188M
Liabilities + Equity 12-point trend, +152.2% $3.13B $2.61B $2.52B $2.45B $2.33B $2.24B $1.65B $1.29B $1.28B $1.24B $1.22B $1.24B
Shares Outstanding 12-point trend, +45.1% 17,823,444 15,433,494 15,295,135 15,518,819 15,759,090 15,911,984 13,716,445 12,319,330 12,214,525 12,113,228 12,180,623 12,279,980
Cashflow 18
Jährliche Cashflow-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
D&A 9-point trend, +44.2% $2M $2M $2M $2M $2M $2M $2M $2M $2M · · ·
Stock-based Comp 2-point trend, +7.3% · · · · · · · · · · $606.0K $565.0K
Deferred Tax 12-point trend, +116.7% $3M $-2M $836.0K $-400.0K $-1M $-361.0K $172.0K $-187.0K $2M $-156.0K $79.0K $1M
Amort. of Intangibles 12-point trend, +3320.0% $1M $389.0K $408.0K $439.0K $535.0K $540.0K $223.0K $3.0K $5.0K $13.0K $22.0K $35.0K
Other Non-cash 7-point trend, +51.2% $3M $6M $6M $6M $4M $4M · $2M · · · ·
Operating Cash Flow 12-point trend, +43.6% $32M $33M $34M $35M $35M $25M $22M $26M $19M $19M $20M $22M
CapEx 12-point trend, +137.8% $2M $2M $2M $3M $2M $3M $3M $1M $2M $2M $1M $801.0K
Investing Cash Flow 12-point trend, +102.1% $196.0K $-21M $-53M $-235M $-104M $97M $23M $-22M $-31M $-29M $18M $-9M
Debt Issued 6-point trend, +25891000.00 · · · · · $26M $48M $33M $8M $0 $0 ·
Net Debt Issued 6-point trend, -10310.1% · · · · · $-29M · $27M $-29M $-313.0K $-37M $-278.0K
Stock Repurchased 7-point trend, -95.9% · · · · · $163.0K $189.0K $0 $0 $4M $4M $4M
Net Stock Activity 5-point trend, +95.9% · · · · · $-163.0K · · $0 $-4M $-4M $-4M
Dividends Paid 12-point trend, +43.0% $16M $16M $16M $16M $16M $14M $14M $12M $11M $11M $11M $11M
Financing Cash Flow 12-point trend, -461.9% $-111M $59M $25M $152M $69M $-56M $-47M $-8M $20M $6M $-36M $-20M
Net Change in Cash 6-point trend, +75.5% · · · · · · $-2M $-4M $8M $-5M $2M $-7M
Taxes Paid $9M · · · · · · · · · · ·
Free Cash Flow 11-point trend, +40.1% $30M $31M $31M $31M $33M $22M · $25M $18M $17M $19M $21M
Levered FCF 9-point trend, -71.3% · · $5M $23M $28M $14M · $21M $15M $14M $15M $18M
Rentabilität 5
Jährliche Rentabilität-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Net Margin 11-point trend, -35.9% 19.1% 24.0% 23.0% 24.8% 29.4% 20.9% · 33.2% 23.0% 27.6% 28.3% 29.8%
Pretax Margin 11-point trend, -41.2% 23.3% 29.4% 29.1% 30.1% 36.3% 25.2% · 39.6% 35.3% 37.0% 37.5% 39.7%
EBITDA Margin 7-point trend, -26.9% 1.9% 2.0% 2.1% 2.2% 2.1% 2.1% · 2.6% · · · ·
ROA 11-point trend, -40.6% 0.82% 1.0% 0.97% 1.1% 1.3% 0.99% · 1.7% 1.1% 1.3% 1.3% 1.4%
ROE 11-point trend, -18.1% 7.5% 9.4% 9.6% 10.9% 10.2% 6.5% · 11.4% 7.1% 8.4% 8.7% 9.1%
Liquidität & Solvenz 1
Jährliche Liquidität & Solvenz-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Debt / Equity 11-point trend, +184.7% 0.1 0.0 0.1 0.3 0.0 0.1 · 0.1 0.3 0.1 0.3 0.0
Effizienz 1
Jährliche Effizienz-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Asset Turnover 11-point trend, -7.8% 0.0 0.0 0.0 0.0 0.0 0.0 · 0.1 0.0 0.0 0.0 0.0
Pro Aktie 6
Jährliche Pro Aktie-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Book Value / Share 10-point trend, +24.6% $19.17 $17.84 $17.15 $16.07 $19.13 $18.84 · $16.02 $15.43 $15.36 $15.39 ·
Revenue / Share 10-point trend, +53.4% · $7.10 $6.88 $6.96 $6.58 $6.24 · $5.41 $4.80 $4.71 $4.76 $4.63
Cash Flow / Share 10-point trend, +20.6% · $2.16 $2.20 $2.24 $2.21 $1.68 · $2.11 $1.59 $1.53 $1.61 $1.80
Cash / Share 10-point trend, -5.5% $2.58 $8.18 $3.72 $3.55 $6.66 $6.40 · $3.04 $3.03 $2.36 $2.73 ·
Dividend Paid / Share Flat — no change across 2 periods · · · · · · · · · · $1 $1
EPS (TTM) 12-point trend, +18.8% $1.64 $1.69 $1.57 $1.71 $1.92 $1.30 $1.46 $1.79 $1.10 $1.30 $1.35 $1.38
Wachstumsraten 9
Jährliche Wachstumsraten-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +4.2% 13.3% 3.4% -2.5% 3.6% 12.8% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +1.8% 4.5% 1.4% 4.4% · · · · · · · · ·
Revenue CAGR 5Y 5.9% · · · · · · · · · · ·
EPS YoY 4-point trend, -84.0% · 7.6% -8.2% -10.9% 47.7% · · · · · · ·
EPS CAGR 3Y 2-point trend, -164.1% · -4.2% 6.5% · · · · · · · · ·
Net Income YoY 5-point trend, -116.5% -9.8% 7.5% -9.3% -12.9% 59.0% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -152.8% -4.2% -5.3% 7.9% · · · · · · · · ·
Net Income CAGR 5Y 4.0% · · · · · · · · · · ·
Dividend CAGR 5Y 2.4% · · · · · · · · · · ·
Bewertung (TTM) 17
Jährliche Bewertung (TTM)-Daten für CZNC
Kennzahl Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +113.7% $123M $108M $105M $108M $104M $92M $74M $66M $58M $57M $58M $57M
Net Income TTM 12-point trend, +37.1% $23M $26M $24M $27M $31M $19M $20M $22M $13M $16M $16M $17M
Market Cap 10-point trend, +40.5% $359M $287M $343M $355M $412M $316M · $326M $293M $317M $256M ·
Enterprise Value 10-point trend, +23.9% $342M $163M $320M $380M $308M $234M · $301M $318M $315M $276M ·
P/E 12-point trend, -17.9% 12.3 11.0 14.3 13.4 13.6 15.3 19.3 14.8 21.8 20.2 15.6 15.0
P/S 10-point trend, -33.3% 2.9 2.6 3.3 3.3 4.0 3.4 · 4.9 5.0 5.6 4.4 ·
P/B 10-point trend, -22.9% 1.1 1.0 1.3 1.4 1.4 1.1 · 1.6 1.6 1.7 1.4 ·
P / Tangible Book 6-point trend, +3.9% 1.3 1.3 1.7 1.8 1.7 1.3 · · · · · ·
P / Cash Flow 10-point trend, -13.5% 11.2 8.7 10.2 10.3 11.8 12.7 · 12.6 15.1 17.1 13.0 ·
P / FCF 10-point trend, -12.9% 11.9 9.2 11.0 11.3 12.5 14.6 · 13.2 16.6 18.7 13.7 ·
EV / EBITDA 7-point trend, -15.6% 144.8 74.8 148.8 159.0 144.8 118.1 · 171.6 · · · ·
EV / FCF 10-point trend, -23.2% 11.4 5.2 10.2 12.1 9.4 10.8 · 12.2 18.0 18.6 14.8 ·
EV / Revenue 10-point trend, -41.2% 2.8 1.5 3.1 3.5 3.0 2.5 · 4.5 5.4 5.5 4.7 ·
Dividend Yield 10-point trend, +3.0% 4.5% 5.4% 4.5% 4.5% 3.9% 4.6% · 3.6% 3.8% 3.5% 4.4% ·
Earnings Yield 12-point trend, +21.7% 8.1% 9.1% 7.0% 7.5% 7.3% 6.6% 5.2% 6.8% 4.6% 5.0% 6.4% 6.7%
Payout Ratio 11-point trend, +4.3% 69.5% 59.8% 64.5% 59.6% 52.3% 75.3% · 53.4% 83.0% 70.5% 68.3% 66.7%
Annual Payout 12-point trend, +43.0% $16M $16M $16M $16M $16M $14M $14M $12M $11M $11M $11M $11M

Finanzberichte Gewinn- und Verlustrechnung, Bilanz, Cashflow — jährlich, letzte 5 Jahre

Gewinn- und Verlustrechnung
2025-12-312024-12-312023-12-312022-12-312021-12-31
Nettoergebnis $23M$26M$24M$27M$31M
Verwässerte EPS $1.69$1.57$1.71$1.92
Bilanz
2025-12-312024-12-312023-12-312022-12-312021-12-31
Fremdkapital / Eigenkapital 0.10.00.10.30.0
Cashflow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Freier Cashflow $30M$31M$31M$31M$33M

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