CZNC

Citizens & Northern
$24.60
+$0.25 (+1.03%)Jul 27, 2026
2.9FairMoatMint rating

MoatMint rates Citizens & Northern (CZNC) 2.9 out of 10, a research rating of the company's quality, value, growth, momentum and financial health. Its quality rating is 2.5 out of 10.

Key metrics

The numbers that frame CZNC today
Market cap
$440.75M
P/E (TTM)
25.3
P/B
1.31x
Net margin
15.4%
ROE
5.5%
Div yield
4.55%
Debt / equity
0.6
52wk Low
$17.43
52wk High
$25.00

CZNC stock rating

How CZNC scores on quality, value, growth, momentum and financial health
2.9out of 10
Fair overallFair business, expensive priceTop 71% of ~5,000 US stocks
QualityFair2.5/10
GrowthFair3.0/10
MomentumGood6.5/10
ValueFair3.0/10
Financial HealthNeutral4.3/10

Growth

Revenue and earnings trend for CZNC
RevenueNet income
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Cash flow & returns

Free cash flow and financial health
Free cash flowNet debt
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Insider trading

Recent insider buying and selling activity
PurchasesSales
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Frequently asked questions

Plain-English answers about CZNC
Is Citizens & Northern a good buy?
Hold. Citizens & Northern has strong momentum, but poor quality makes the setup mixed. Growth looks weak. That could put pressure on the long-term business case. We think Citizens & Northern is selling at a high price.
What is the market capitalization of CZNC?
Citizens & Northern's market capitalization is $440.75M.
What is the P/E ratio for CZNC stock?
Citizens & Northern's current P/E ratio is 25.3.
What is the 52-week high for CZNC stock?
The 52-week high for Citizens & Northern is $25.00. The current close of $24.60 is 1.6% below that high.
What is the 52-week low for CZNC stock?
The 52-week low for Citizens & Northern is $17.43. The current close of $24.60 is 41.1% 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 4.55% based on the current close.
What is the Debt / Equity ratio for CZNC?
Citizens & Northern's Debt / Equity ratio is 0.58.