📊 CZNC Key Takeaways
Is Citizens & Northern Corp. (CZNC) a Good Investment?
CZNC exhibits critically weak profitability metrics with ROE of 0.1% and ROA near zero, indicating the bank generates minimal returns on $3.2B in assets and $335.6M shareholder equity. Despite strong 51.6% revenue growth, net income grew only 0.8% YoY with concerning zero interest coverage ratio, signaling operational distress and inability to adequately cover financial obligations.
Citizens & Northern shows solid fundamental stability, with strong free cash flow generation, low balance-sheet leverage, and positive top-line momentum. However, the quality of that growth is mixed because revenue increased sharply while net income barely grew, leaving profitability and returns on equity/assets only modest for a bank. The company looks financially sound, but it needs better earnings conversion and stronger return metrics to justify a more bullish view.
Citizens & Northern Corp. Key Strengths (CZNC)
- Strong revenue growth of 51.6% year-over-year demonstrates market demand or business expansion
- Positive free cash flow generation of $8.5M with healthy 20.9% FCF margin provides operational liquidity
- Conservative capital structure with Debt/Equity ratio of 0.10x indicates manageable financial leverage
- Very low leverage with debt/equity of 0.10x and manageable long-term debt relative to equity
- Strong cash generation, with $30.10M of free cash flow and a 21.6% FCF margin
- Revenue growth of 51.6% year over year indicates meaningful business expansion or balance-sheet repricing tailwinds
CZNC Stock Risks: Citizens & Northern Corp. Investment Risks
- Critical interest coverage ratio of 0.0x indicates severe inability to cover interest expenses from operating earnings
- Abysmal profitability with ROE of 0.1% and ROA of 0.0% shows the bank fails to generate meaningful returns on shareholder capital
- Massive profitability gap: revenue up 51.6% but net income up only 0.8% suggests margin compression, expense overruns, or unsustainable revenue quality
- Net income growth of just 0.8% despite strong revenue growth suggests margin pressure or weaker earnings quality
- Profitability remains modest for a bank, with ROE of 6.9% and ROA of 0.7%
- Interest coverage of 2.5x is adequate but not especially strong if funding costs stay elevated
Key Metrics to Watch
- Net profit margin trend and return to acceptable profitability levels (>1%)
- Interest coverage ratio improvement - current 0.0x indicates fundamental stress that must be resolved
- Ability to sustain revenue growth while improving net income growth rate above single digits
- Net interest margin and operating margin trend
- ROE/ROA improvement alongside net income growth
Citizens & Northern Corp. (CZNC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CZNC Profit Margin, ROE & Profitability Analysis
CZNC vs Finance Sector: How Citizens & Northern Corp. Compares
How Citizens & Northern Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Citizens & Northern Corp. Stock Overvalued? CZNC Valuation Analysis 2026
Based on fundamental analysis, Citizens & Northern Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Citizens & Northern Corp. Balance Sheet: CZNC Debt, Cash & Liquidity
CZNC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Citizens & Northern Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.71 reflects profitable operations.
CZNC Revenue Growth, EPS Growth & YoY Performance
Citizens & Northern Corp. Dividends, Buybacks & Capital Allocation
CZNC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Citizens & Northern Corp. (CIK: 0000810958)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Jun 8, 2026 | 4 | xslF345X06/form4-06082026_030639.xml | View → |
| Jun 8, 2026 | 4 | xslF345X06/form4-06082026_030623.xml | View → |
| May 28, 2026 | 4 | xslF345X06/form4-05282026_070539.xml | View → |
| May 21, 2026 | 4 | xslF345X06/form4-05212026_080520.xml | View → |
| May 21, 2026 | 4 | xslF345X06/form4-05212026_080558.xml | View → |
❓ Frequently Asked Questions about CZNC
What is the AI rating for CZNC?
Citizens & Northern Corp. (CZNC) has a Combined AI Grade of C from Claude (D) and ChatGPT (B) with 82% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CZNC's key strengths?
Claude: Strong revenue growth of 51.6% year-over-year demonstrates market demand or business expansion. Positive free cash flow generation of $8.5M with healthy 20.9% FCF margin provides operational liquidity. ChatGPT: Very low leverage with debt/equity of 0.10x and manageable long-term debt relative to equity. Strong cash generation, with $30.10M of free cash flow and a 21.6% FCF margin.
What are the risks of investing in CZNC?
Claude: Critical interest coverage ratio of 0.0x indicates severe inability to cover interest expenses from operating earnings. Abysmal profitability with ROE of 0.1% and ROA of 0.0% shows the bank fails to generate meaningful returns on shareholder capital. ChatGPT: Net income growth of just 0.8% despite strong revenue growth suggests margin pressure or weaker earnings quality. Profitability remains modest for a bank, with ROE of 6.9% and ROA of 0.7%.
What is CZNC's revenue and growth?
Citizens & Northern Corp. reported revenue of $40.6M.
Does CZNC pay dividends?
Citizens & Northern Corp. pays dividends, with $4.6M distributed to shareholders in the trailing twelve months.
Where can I find CZNC SEC filings?
Official SEC filings for Citizens & Northern Corp. (CIK: 0000810958) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CZNC's EPS?
Citizens & Northern Corp. has a diluted EPS of $0.02.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CZNC's fundamental grade?
Based on our AI fundamental analysis in June 2026, Citizens & Northern Corp. has a C grade with 82% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CZNC stock overvalued or undervalued?
Valuation metrics for CZNC: ROE of 0.1% (sector avg: 12%), net margin of 0.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CZNC's AI grade for 2026?
Our dual AI analysis gives Citizens & Northern Corp. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CZNC's free cash flow?
Citizens & Northern Corp.'s operating cash flow is $8.7M, with capital expenditures of $188.0K. FCF margin is 20.9%.
How does CZNC compare to other Finance stocks?
Vs Finance sector averages: Net margin 0.7% (avg: 25%), ROE 0.1% (avg: 12%), current ratio N/A (avg: 1.2).