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Employees: 460
Size Citizens & Northern (CZNC) is a United States Financials company (Regional Banks) with a market value of $501M, the 2696th largest of 3,117 United States companies the cockpit tracks. Shares closed at $27.92 on 6 Nov 2026.
Performance Over six months the shares gained 29.1%, against +9.1% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 20 in its peer set.
Growth Revenue grew 25.1% over the last twelve months (peer median +2.7%); the operating margin is 33.1% (peer median 37.0%).
Valuation It trades at 1.46× book value against a peer median of 1.25× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 8.5%; Citizens & Northern delivers 11.0%, so the price asks less than the business earns today.
Next results Next results expected around 21 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $202M | $170M | $157M | $138M | $117M |
| Revenue growth | — | +8% | +14% | +18% | — |
| Net income | $35.1M | $23.2M | $25.7M | $24.0M | $26.4M |
| Free cash flow | n/a | $28.1M | $32.2M | $30.8M | $29.9M |
| Capital expenditure | n/a | $1.91M | $1.91M | $32.3M | $3.29M |
| Total debt | $163M | $193M | $211M | $215M | $186M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CZNC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +10.5% | +4.2% | 3rd highest of 21 |
| 6-month return | +29.1% | +9.1% | 5th highest of 20 |
| Return on equity | 11.0% | 11.4% | 10th lowest of 21 |
| Price / book | 1.46× | 1.25× | 9th most expensive of 21 |
| Trailing P/E | 14.2× | 10.7× | 4th most expensive of 20 |
| ROE the price implies | 8.5% | 8.6% | 10th least demanding of 21 |
| ROE delivered | 11.0% | 11.4% | 10th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Citizens & Northern CZNC | United States | $501M | +29% | +25% | 11% | 1.46× | 8.5% | 11.0% |
| Farmers & Merchants Bancorp FMAO | United States | $500M | +31% | +7% | 11% | 1.29× | 10.3% | 11.3% |
| First Bank FRBA | United States | $488M | +30% | +1% | 10% | 1.06× | 7.8% | 9.6% |
| Morrow Bank MORROW.ST | Sweden | $518M | +30% | +4% | 11% | 1.57× | 5.7% | 11.4% |
| Danske Andelskassers Bank A/S DAB.CO | Denmark | $484M | -8% | -7% | 8% | 1.10× | 4.8% | 7.7% |
| Private Bancorp of America PBAM | United States | $484M | n/a | +4% | 17% | 1.66× | 8.6% | 16.8% |
| West Bancorporation WTBA | United States | $520M | +27% | 0% | 15% | 1.92× | 13.1% | 15.5% |
| Northrim BanCorp NRIM | United States | $523M | -5% | +3% | 17% | 1.47× | 12.6% | 16.6% |
| Home Bancorp HBCP | United States | $480M | -5% | +1% | 10% | 1.06× | 7.7% | 10.2% |
| Djurslands Bank A/S DJUR.CO | Denmark | $478M | +27% | +2% | 15% | 1.58× | 5.9% | 14.6% |
| Tochigi Bank 8550.T | Japan | $527M | -17% | +26% | 5% | 0.50× | 5.9% | 5.4% |
| Orange County Bancorp OBT | United States | $530M | +14% | +3% | 17% | 1.71× | 9.6% | 17.2% |
| Sierra Bancorp BSRR | United States | $537M | +9% | -1% | 14% | 1.48× | 11.4% | 14.0% |
| Bank of Gansu 2139.HK | Hong Kong | $467M | -40% | -4% | 2% | 0.10× | 3.2% | 1.8% |
| Bank of Marin Bancorp BMRC | United States | $462M | +9% | -19% | -3% | 1.22× | 10.2% | -2.9% |
| Northpointe Bancshares NPB | United States | $545M | -11% | +14% | 13% | 0.87× | 5.9% | 13.1% |
| ChoiceOne Financial Services COFS | United States | $547M | +17% | +19% | 12% | 1.17× | 8.8% | 11.9% |
| Jana Small Finance Bank JSFB.NS | India | $457M | -13% | +18% | 10% | 0.88× | 15.2% | 10.3% |
| Pioneer Bancorp PBFS | United States | $456M | +26% | +18% | 4% | 1.38× | 8.6% | 4.0% |
| Colony Bankcorp CBAN | United States | $555M | +2% | +21% | 11% | 1.10× | 8.1% | 10.8% |
| Bank7 BSVN | United States | $556M | +33% | -1% | 16% | 2.03× | 14.5% | 16.0% |