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Stock Research: Citizens & Northern

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Citizens & Northern

NAQ:CZNC US1729221069
78
  • Value
    61
  • Growth
    99
  • Safety
    Safety
    25
  • Combined
    81
  • Sentiment
    51
  • 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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ANALYSIS: With an Obermatt 360° View of 78 (better than 78% compared with alternatives) for 2026, overall professional sentiment and financial characteristics for the stock Citizens & Northern are very positive. The 360° View is based on consolidating four consolidated indicators, with all but one indicator above average for Citizens & Northern. The consolidated Value Rank has an attractive rank of 61, 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 the stock price is lower than for 61% of alternative stocks in the same industry. The consolidated Growth Rank has a good rank of 99, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. In addition, professional market sentiment is above average compared with other stock investment alternatives with a Sentiment Rank of 51. But the company’s financing is risky with a Safety rank of 25. This means 75% of comparable companies have a safer financing structure than Citizens & Northern. ...read more

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Strongest Rank Price vs. Book (P/B)
Weakest Rank Growth
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: 11-Nov-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
61 75 29 37
Growth
99 3 53 74
Safety
Safety
25 100 58 61
Sentiment
51 21 61 75
360° View
360° View
78 50 44 77
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Metrics Current 2025 2024 2023
Analyst Opinions
32 1 33 72
Opinions Change
50 97 50 50
Pro Holdings
n/a 42 69 55
Market Pulse
91 6 70 58
Sentiment
51 21 61 75
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Metrics Current 2025 2024 2023
Value
61 75 29 37
Growth
99 3 53 74
Safety Safety
25 100 58 61
Combined
81 77 42 62
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
41 65 45 44
Price vs. Earnings (P/E)
55 52 17 19
Price vs. Book (P/B)
21 48 16 28
Dividend Yield
99 91 91 99
Value
61 75 29 37
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Metrics Current 2025 2024 2023
Revenue Growth
93 16 70 31
Profit Growth
41 47 55 26
Capital Growth
85 1 17 86
Stock Returns
87 29 59 81
Growth
99 3 53 74
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Metrics Current 2025 2024 2023
Leverage
30 57 59 44
Refinancing
35 73 79 71
Liquidity
61 83 37 51
Safety Safety
25 100 58 61

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Frequently Asked
Questions

This is a high-quality, high-growth stock with positive sentiment. However, the financing is on the riskier side. It is best for a growth-focused investor willing to accept higher financial risk for potentially higher shareholder returns.

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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