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Citizens & Northern Corporation (CZNC) Stock Grade

CZNC · Financial Services

C-
Grade updated: September 29, 2026
Computed by the GradeMyInvestments scoring model from revenue growth, profitability, balance-sheet strength, and analyst targets.
Market Cap
$457.9M
P/E Ratio
13.7
Revenue Growth (YoY)
-0.8%
Net Margin
15.2%
Return on Equity
6.9%
Dividend Yield
5.5%

About Citizens & Northern Corporation's fundamentals

Citizens & Northern Corporation is a regional bank with a market capitalization of $457.9 million and a trailing P/E ratio of 13.7, indicating moderate valuation relative to earnings. The company generated a net margin of 15.2%, though revenue declined 0.8% year-over-year, suggesting flat operational performance in its lending and deposit business. Return on equity stands at 6.9%, which is relatively modest for a financial institution, while the company offers a 5.5% dividend yield to shareholders.

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