CZNC Citizens & Northern Corp - Common Stock

NASDAQ · Banking · 在 SEC EDGAR 上查看 ↗
$20.84
价格 · 五月 20, 2026
截至...的财报数据 五月 8, 2026
52周区间
$18–$24
46% of range
分析师评级
HOLD
6 analysts
目标价
$24
+15% upside
P/E (TTM)
12.3
ROE
7.5%
净利润率
19.1%

CZNC 股票快照 价格、市值、P/E、EPS、ROE、负债/权益、52周范围

价格
$20.84
市值
$359M
P/E (TTM)
12.3
每股收益 (TTM)
$1.69
营收 (TTM)
—
股息收益率
4.5%
ROE
7.5%
负债/权益
0.1
52周区间
$18 – $24

CZNC 股价图表 包含技术指标的日 OHLCV — 平移、缩放和自定义您的视图

10年表现 收入、净利润、利润率和每股收益趋势

营收与净利润 —
EPS $1.69
9-point trend, +30.0%
2016-12-31 → 2024-12-31
自由现金流 $30M
9-point trend, +77.8%
2016-12-31 → 2025-12-31
利润率 19.1%

估值 P/E、P/S、P/B、EV/EBITDA 比率 — 该股票是昂贵还是便宜？

指标
5年趋势
CZNC
同行中位数
P/E (TTM)
5-point trend, -9.6%
12.3
11.6
P/S (TTM) (市销率 (TTM))
5-point trend, -26.1%
2.9
2.1
P/B (市净率)
5-point trend, -23.0%
1.1
0.9
EV / EBITDA (企业价值 / EBITDA)
5-point trend, -0.0%
144.8
—
Price / FCF (股价/自由现金流)
5-point trend, -4.3%
11.9
—

盈利能力 毛利率、营业利润率和净利率；股本回报率 (ROE)、资产回报率 (ROA)、投入资本回报率 (ROIC)

指标
5年趋势
CZNC
同行中位数
Net Profit Margin (净利润率)
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%

财务健康 债务、流动性、偿付能力 — 资产负债表强度

指标
5年趋势
CZNC
同行中位数
Debt / Equity (负债/股东权益比率)
5-point trend, +1295.0%
0.1
21.9

成长 营收、每股收益 (EPS) 和净利润增长：同比、3年复合年增长率 (CAGR)、5年复合年增长率 (CAGR)

指标
5年趋势
CZNC
同行中位数
Revenue YoY (营收同比增长)
13.3%
—
Revenue CAGR 3Y (营收3年复合年增长率)
4.5%
—
Revenue CAGR 5Y (营收5年复合年增长率)
5.9%
—
EPS YoY
5-point trend, +30.0%
7.6%
—
Net Income YoY (净利润同比增长)
5-point trend, -23.3%
-9.8%
—

每股指标 每股收益 (EPS)、每股净资产、每股现金流、每股股息

指标
5年趋势
CZNC
同行中位数
EPS (Diluted) (EPS (稀释))
5-point trend, +30.0%
$1.69
—

资本效率 资产周转率、库存周转率、应收账款周转率

指标
5年趋势
CZNC
同行中位数
Payout Ratio (派息率)
5-point trend, +33.0%
69.5%
—

股息 收益率、派息率、股息历史、5年CAGR

股息收益率
4.5%
派息率
69.5%
5年股息复合年增长率 (CAGR)
—
除息日金额
2026年5月4日$0.2800
2026年2月2日$0.2800
2025年11月3日$0.2800
2025年8月4日$0.2800
2025年5月2日$0.2800
2025年2月3日$0.2800
2024年10月28日$0.2800
2024年7月29日$0.2800
2024年5月3日$0.2800
2024年1月26日$0.2800
2023年10月27日$0.2800
2023年7月28日$0.2800
2023年4月28日$0.2800
2023年2月2日$0.2800
2022年10月28日$0.2800
2022年7月29日$0.2800
2022年4月29日$0.2800
2022年1月28日$0.2800
2021年10月29日$0.2800
2021年7月30日$0.2800

CZNC 分析师共识 看涨和看跌分析师观点、12个月价格目标、上涨空间

卖出 6 位分析师
  • 强烈买入 0 0.0%
  • 买入 0 0.0%
  • 持有 3 50.0%
  • 卖出 1 16.7%
  • 强烈卖出 2 33.3%

12个月价格目标

1 位分析师 · 2026-05-14
中位数目标 $24.00 +15.2%
平均目标 $24.00 +15.2%

收益历史 每股收益实际值 vs 预估值，惊喜%，达标率，下次财报日期

平均惊喜
-0.23%
期间 EPS Actual EPS 预期 惊喜
2026年3月31日 $0.02 $0.59 -0.57%
2025年12月31日 $0.25 $0.60 -0.35%
2025年9月30日 $0.42 $0.52 -0.10%
2025年6月30日 $0.40 $0.47 -0.07%
2025年3月31日 $0.41 $0.45 -0.04%

同行比较 关键指标与行业同行对比

股票代码 市值 P/E 营收同比增长 净利润率 ROE 毛利率
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% —

完整基本面 所有年度指标 — 损益表、资产负债表、现金流量表

损益表 10
CZNC 的年度损益表数据
指标 趋势 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 · · · ·
资产负债表 19
CZNC 的年度资产负债表数据
指标 趋势 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
现金流 18
CZNC 的年度现金流数据
指标 趋势 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
盈利能力 5
CZNC 的年度盈利能力数据
指标 趋势 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%
流动性与偿付能力 1
CZNC 的年度流动性与偿付能力数据
指标 趋势 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
效率 1
CZNC 的年度效率数据
指标 趋势 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
每股 6
CZNC 的年度每股数据
指标 趋势 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
增长率 9
CZNC 的年度增长率数据
指标 趋势 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% · · · · · · · · · · ·
估值 (TTM) 17
CZNC 的年度估值 (TTM)数据
指标 趋势 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

财务报表 损益表、资产负债表、现金流量表 — 年度，近5年

损益表
2025-12-312024-12-312023-12-312022-12-312021-12-31
净收入 $23M$26M$24M$27M$31M
稀释后每股收益 (EPS) —$1.69$1.57$1.71$1.92
资产负债表
2025-12-312024-12-312023-12-312022-12-312021-12-31
负债/股东权益比率 0.10.00.10.30.0
现金流
2025-12-312024-12-312023-12-312022-12-312021-12-31
自由现金流 $30M$31M$31M$31M$33M

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