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Stock Research: Citizens & Northern

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Citizens & Northern

NAQ:CZNC US1729221069
18
  • Value
    90
  • Growth
    43
  • Safety
    Safety
    1
  • Combined
    35
  • Sentiment
    5
  • 360° View
    360° View
    18
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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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ANALYSIS: With an Obermatt 360° View of 18 (better than 18% compared with alternatives), overall professional sentiment and financial characteristics for the stock Citizens & Northern are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Citizens & Northern. Only the consolidated Value Rank has an attractive rank of 90, which means that the share price of Citizens & Northern is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 90% of alternative stocks in the same industry. All other consolidated ranks are below average. The consolidated Growth Rank has a low rank of 43, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. The consolidated Safety Rank has a riskier rank of 1, meaning the company has a riskier financing structure than 99% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, professionals are more pessimistic about the stock than for 95% of alternative investment opportunities, reflected in the consolidated Sentiment Rank of 5. ...read more

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Strongest Rank Safety
Weakest Rank Dividend Yield
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: 7-May-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
90 75 29 37
Growth
43 3 53 74
Safety
Safety
1 100 58 61
Sentiment
5 21 61 75
360° View
360° View
18 50 44 77
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Metrics Current 2025 2024 2023
Analyst Opinions
1 1 33 72
Opinions Change
50 97 50 50
Pro Holdings
n/a 42 69 55
Market Pulse
17 6 70 58
Sentiment
5 21 61 75
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Metrics Current 2025 2024 2023
Value
90 75 29 37
Growth
43 3 53 74
Safety Safety
1 100 58 61
Combined
35 77 42 62
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
77 65 45 44
Price vs. Earnings (P/E)
90 52 17 19
Price vs. Book (P/B)
49 48 16 28
Dividend Yield
99 91 91 99
Value
90 75 29 37
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Metrics Current 2025 2024 2023
Revenue Growth
91 16 70 31
Profit Growth
24 47 55 26
Capital Growth
33 1 17 86
Stock Returns
42 29 59 81
Growth
43 3 53 74
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Metrics Current 2025 2024 2023
Leverage
26 57 59 44
Refinancing
9 73 79 71
Liquidity
16 83 37 51
Safety Safety
1 100 58 61

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The only strength is good value. All other factors (growth, safety, and sentiment) are below average. This stock is highly sensitive to a crisis and is not advisable. Avoid unless you have solid, independent reasons to believe a significant turnaround is imminent.

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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