← Russell 3000 cross-section

CZNC CITIZENS & NORTHERN CORP

Trailing twelve months to 2026-06-30 · as filed 2026-08-07, not restated
Financials

Scale

Market cap
$454m
Revenue TTM
$142m
Net income TTM
$25m
Free cash flow
$45m
Composite score
42.1
Sector rank
#2438

Valuation

P / E
17.9
EV / EBITDA
EV / sales
2.7
FCF yield
9.87%
Earnings yield vs 10-yr
0.85pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
17.8%
EBITDA margin
ROE
7.3%
ROIC
Revenue growth
27.7%

Insider activity, last 90 days

Net open-market
$-0.06m
Buyers
2
Sellers
2

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

EARNINGS OVERVIEW Second Quarter 2026 as Compared to Second Quarter 2025 ​ Second quarter 2026 net income was $14,057,000, or $0.79 per diluted share, as compared to $6,117,000, or $0.40 per diluted share, in the second quarter 2025. GAAP measure) was $29,855,000 in the second quarter of 2026, $8,493,000 (39.8%) higher than in the second quarter of 2025, including the benefit of income from growth in net earning assets resulting from the Susquehanna merger. …CITIZENS & NORTHERN CORP, 10-Q, period ended 2026-06-30, filed 2026-08-07

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