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Citizens & Northern

CZNC

Citizens & Northern Corporation is a community-focused bank holding company that provides a comprehensive suite of financial services through its primary subsidiary, C&N Bank.

Market cap
$450.35M+53.7%
Revenue$142.5M+27.7%
Net income$25.3M-5.9%
EPS (diluted)$1.63-6.9%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$37.2M
EPS estimate$0.66

Financials

Q2 2026

Income statement

See full
Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Valuation & ratios

Valuation

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Market cap$450.35M+53.7%
Enterprise value$382.45M+92.5%
P/E17.8×+6.7×
P/S3.2×+0.5×

Profitability

See full
Net margin17.8%-6.4pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Competitors

Profile

Citizens & Northern Corporation is a community-focused bank holding company that provides a comprehensive suite of financial services through its primary subsidiary, C&N Bank. The company delivers personal and commercial banking, wealth management, and insurance solutions across Pennsylvania and New York. Its core value proposition centers on building lifelong customer relationships through a localized service model supported by modern digital banking capabilities.

Competitive position

A regional community bank that has significantly expanded its footprint in Central and Southeastern Pennsylvania through strategic acquisitions and organic growth.

GeographiesPennsylvania, New York, United States
Customer segmentsRetail, SME, Commercial
Business modelInterest Income, Fee-based Services, Asset Management, Reinsurance
SuppliersFederal Reserve System, Depositors, Technology Providers, Broker-Dealer Partners
CustomersHomeowners, Small Business Owners, Corporate Entities, Retirement Plan Participants
Listed1994
Employees404.0
CEOJ. Bradley Scovill
FilingsSEC EDGAR

Questions, answered.

What is Citizens & Northern's market cap?
Citizens & Northern (CZNC) has a market capitalization of $450.3M and trades on NASDAQ.
What is Citizens & Northern's revenue and profitability?
Citizens & Northern generated $142.5M in trailing twelve-month revenue with net income of $25.3M, representing a net margin of 17.8%. These figures are based on the Q2 2026 filing.
Who are Citizens & Northern's competitors?
Citizens & Northern's key competitors include CNB Financial Corp/PA, F.N.B. Corp, Citizens Financial Services, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
What subsidiaries does Citizens & Northern have?
Citizens & Northern's subsidiaries include Citizens & Northern Bank, Citizens & Northern Investment Corporation, Bucktail Life Insurance Company, and others.
Where is Citizens & Northern headquartered?
Citizens & Northern is headquartered in United States of America and employs approximately 404 people. It has been publicly traded since 1994.