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Stock Research: Citizens & Northern

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Citizens & Northern

NAQ:CZNC US1729221069
78
  • Value
    69
  • Growth
    57
  • Safety
    Safety
    78
  • Combined
    88
  • Sentiment
    60
  • 360° View
    360° View
    78
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Company Description

Citizens & Northern Corporation is a holding company primarily focused on community banking. It operates within the banking and financial services industries, offering deposit and loan products, wealth management services (including 401(k) plans, retirement and estate planning), and insurance products. The company primarily operates in Pennsylvania and New York. In the last fiscal year, the company had a market cap of $302 million and 386 employees. Financial data for profits and revenue is not available.

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Strongest Rank Analyst Opinions
Weakest Rank Opinions Change
Country USA
Industry Regional Banks
Size X-Small
Website cnbankpa.com
Index
NASDAQ
Sound Pay USA
Citizens & Northern stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 2-Feb-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
69 75 29 37
Growth
57 3 53 74
Safety
Safety
78 100 58 61
Sentiment
60 21 61 75
360° View
360° View
78 50 44 77
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Metrics Current 2025 2024 2023
Analyst Opinions
1 1 33 72
Opinions Change
99 97 50 50
Pro Holdings
n/a 42 69 55
Market Pulse
62 6 70 58
Sentiment
60 21 61 75
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Metrics Current 2025 2024 2023
Value
69 75 29 37
Growth
57 3 53 74
Safety Safety
78 100 58 61
Combined
88 77 42 62
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
28 65 45 44
Price vs. Earnings (P/E)
75 52 17 19
Price vs. Book (P/B)
37 48 16 28
Dividend Yield
98 91 91 99
Value
69 75 29 37
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Metrics Current 2025 2024 2023
Revenue Growth
77 16 70 31
Profit Growth
21 47 55 26
Capital Growth
32 1 17 86
Stock Returns
45 29 59 81
Growth
57 3 53 74
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Metrics Current 2025 2024 2023
Leverage
46 57 59 44
Refinancing
7 73 79 71
Liquidity
78 83 37 51
Safety Safety
78 100 58 61

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Frequently Asked
Questions

This stock has excellent financial qualities (value, growth, and safety are high) but a negative professional market sentiment. It suits an investor who believes the negative sentiment is a temporary overreaction and is looking for a financially solid company.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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