Citizens & Northern Corp.

How big is Citizens & Northern Corp.?

As of Jun 18, Citizens & Northern Corp. has a market capitalization of 288.20 million, with total assets of 2,612.22 million and shareholder's funds of 275.28 million.

As of Jun 18, Citizens & Northern Corp. has a market capitalization of 288.20 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters of 129.46 million and a net profit of 26.72 million.<BR><BR>As of Dec 24, the balance sheet shows shareholder's funds of 275.28 million and total assets amounting to 2,612.22 million.

What does Citizens & Northern Corp. do?

Citizens & Northern Corporation is a micro-cap holding company engaged in community banking, with recent net sales of $32 million and a net profit of $6 million. Key metrics include a P/E ratio of 11.00, a dividend yield of 5.93%, and a market cap of $288.20 million.

Overview:<BR>Citizens & Northern Corporation is a holding company engaged in community banking, operating within the Regional Banks industry and classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 32 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 6 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 288.20 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Dividend Yield: 5.93% <BR>Debt Equity: 0.00 <BR>Return on Equity: 9.48% <BR>Price to Book: 1.02 <BR><BR>Contact Details:<BR>Address: 90 Main St # 92, WELLSBORO PA: 16901-1517 <BR>Tel: 1 877 8382517 <BR>Website: https://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile

Should I buy, sell or hold Citizens & Northern Corp.?

Who are in the management team of Citizens & Northern Corp.?

As of March 2022, the management team of Citizens & Northern Corp. includes Independent Chairman Leo Lambert, President and CEO J. Scovill, Directors Stephen Dorwart, Robert Loughery, Clark Frame, Susan Hartley, and Bobbi Kilmer. The team features a blend of executive leadership and independent directors.

As of March 2022, the management team of Citizens & Northern Corp. includes the following individuals:<BR><BR>- Mr. Leo Lambert, who serves as the Independent Chairman of the Board.<BR>- Mr. J. Scovill, who is the President, Chief Executive Officer, and Director of Citizens & Northern Bank and Corporation.<BR>- Stephen Dorwart, who is a Director.<BR>- Robert Loughery, who is also a Director.<BR>- Mr. Clark Frame, serving as an Independent Director.<BR>- Ms. Susan Hartley, who is an Independent Director.<BR>- Ms. Bobbi Kilmer, who is another Independent Director.<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance of the corporation.

Is Citizens & Northern Corp. overvalued or undervalued?

As of January 16, 2025, Citizens & Northern Corp. is considered very attractive due to its undervalued status, reflected in a P/E ratio of 11, a Price to Book Value of 1.04, and a PEG Ratio of 0.73, despite recent underperformance compared to the S&P 500.

As of 16 January 2025, the valuation grade for Citizens & Northern Corp. has moved from expensive to very attractive, indicating a significant improvement in its perceived value. The company appears undervalued, supported by a P/E ratio of 11, a Price to Book Value of 1.04, and a PEG Ratio of 0.73, all of which suggest that the stock is trading at a discount relative to its earnings growth potential. <BR><BR>In comparison to its peers, Citizens & Northern Corp. has a lower P/E ratio than Peoples Financial Services Corp. at 10.84 and ACNB Corp. at 13.51, further emphasizing its attractive valuation. Despite recent stock performance showing a 1-year return of 3.01% compared to the S&P 500's 17.14%, the long-term outlook remains positive with a 5-year return of 24.85%, albeit significantly lower than the S&P 500's 96.61%. This suggests that while the stock has underperformed in the short term, its current valuation presents an opportunity for potential upside.

Is Citizens & Northern Corp. technically bullish or bearish?

As of August 18, 2025, Citizens & Northern Corp. shows a mildly bullish trend overall, supported by bullish weekly and monthly MACD, KST, and Bollinger Bands, despite some mildly bearish signals from daily moving averages and weekly Dow Theory.

As of 18 August 2025, the technical trend for Citizens & Northern Corp. has changed from mildly bearish to mildly bullish. The weekly MACD and KST indicators are bullish, while the monthly MACD and KST are mildly bullish, supporting a positive outlook. Bollinger Bands are bullish on both weekly and monthly time frames. However, the daily moving averages indicate a mildly bearish stance, and Dow Theory shows a mildly bearish signal on the weekly but mildly bullish on the monthly. Overall, the current technical stance is mildly bullish, driven primarily by the bullish signals from MACD, KST, and Bollinger Bands. Multi-period return data is not available for comparison with the S&P 500.