CZNC

Citizens & Northern
$27.49
−$0.35 (−1.26%)Oct 28, 2026
4.7NeutralMoatMint rating

MoatMint rates Citizens & Northern (CZNC) 4.7 out of 10, a research rating of the company's quality, value, growth, momentum and financial health. Its quality rating is 2.7 out of 10.

Return+33.2%5YRange $14.74 - $28.15
$29.8$24.2$18.7$13.1Nov 21Sep 25Oct 26

Key metrics

The numbers that frame CZNC today
Market cap
$493.03M
P/E (TTM)
18.7
P/B
1.42x
Net margin
19.9%
ROE
7.7%
Div yield
4.07%
Debt / equity
0.5
52wk Low
$18.09
52wk High
$28.31

CZNC stock rating

How CZNC scores on quality, value, growth, momentum and financial health
4.7out of 10
Neutral overallHealthy business, expensive price
Quality2.7
Growth6.5
Momentum7.9
Value2.7
Financial Health5.1

Growth

Revenue and earnings trend for CZNC
RevenueNet income
See the full growth breakdown

Revenue and earnings trends, margins and the multi-year trajectory - free with an account.

Create a free account
Free foreverNo card required
Already a member? Log in

Cash flow & returns

Free cash flow and financial health
Free cash flowNet debt
See the full cash-flow picture

Free cash flow detail, returns on capital and the balance-sheet trend - free with an account.

Create a free account
Free foreverNo card required
Already a member? Log in

Insider trading

Recent insider buying and selling activity
PurchasesSales
Unlock every insider trade

See who is buying and selling, how much, and when - updated as new filings land.

Create a free account
Free foreverNo card required
Already a member? Log in

Frequently asked questions

Plain-English answers about CZNC
Is Citizens & Northern a good buy?
Hold. Citizens & Northern has excellent momentum, but poor quality makes the setup mixed. Growth looks strong, which supports the long-term business case, but quality and momentum do not clear the bar together. We think Citizens & Northern is selling at a high price.
What is the market capitalization of CZNC?
Citizens & Northern's market capitalization is $493.03M.
What is the P/E (TTM) ratio for CZNC stock?
Citizens & Northern's P/E (TTM) ratio is 18.7, based on trailing earnings.
What is the 52-week high for CZNC stock?
The 52-week high for Citizens & Northern is $28.31. The current close of $27.49 is 2.9% below that high.
What is the 52-week low for CZNC stock?
The 52-week low for Citizens & Northern is $18.09. The current close of $27.49 is 52% above that low.
Does CZNC stock pay dividends?
Citizens & Northern pays a dividend. The latest dividend per share in the company data is $1.12, which implies a yield of 4.07% based on the current close.
What is the Debt / Equity ratio for CZNC?
Citizens & Northern's Debt / Equity ratio is 0.49.