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Citizens & Northern Corporation (CZNC) Stock Grade

CZNC · Financial Services

B-
Grade updated: July 18, 2026
Computed by the GradeMyInvestments scoring model from revenue growth, profitability, balance-sheet strength, and analyst targets.
Market Cap
$321.7M
P/E Ratio
13.7
Revenue Growth (YoY)
-0.8%
Net Margin
15.2%
Return on Equity
6.9%
Dividend Yield
5.3%

About Citizens & Northern Corporation's fundamentals

Citizens & Northern Corporation is a regional bank with a market capitalization of $321.7 million and a trailing P/E ratio of 13.7. The company generated a net margin of 15.2%, though revenue declined 0.8% year-over-year, and it produced a return on equity of 6.9%. The stock offers a dividend yield of 5.3%, which is notably elevated relative to broader market averages, reflecting its positioning as an income-focused financial services stock.

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