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Citizens & Northern CZNC Earnings yield

Earnings yield at other companies

Citizens Financial Services, Inc.CZFS

13.4%+3.1pp

CNB FinancialCCNE

9.5%-1.9pp

First Community CorporationFCCO

7.5%-1.3pp

Capital City Bank GroupCCBG

8.1%-1.2pp

West BancorporationWTBA

8.8%+1.0pp

Greene County BancorpGCBC

10.2%+3.3pp

Other financials

Income statement

Revenue$36.6M+35.8%

Net income$273.0K-95.7%

EPS (diluted)$0.02-95.1%

Balance sheet

Cash & equivalents$54.8M-52.2%

Total debt$13.6M+2,280%

Total equity$335.6M+19.1%

Total assets$3.2B+21.3%

Cash flow

Operating cash flow$8.7M+447%

CapEx$188.0K-65.3%

Free cash flow$8.5M+713%

Valuation

Market cap$402.23M+41.5%

Enterprise value$361.02M+112%

P/E23.1×+12.6×

P/S3×+0.4×

Profitability

Net margin13.2%-11.4pp

FCF margin28.3%+3.5pp

Returns & leverage

Return on equity5.6%-4.3pp

Debt / equity0×0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

net income/market cap=4.4%

Based on trailing twelve months.

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's earnings yield?: Citizens & Northern (CZNC) reported earnings yield of 4.4% in Q1 2026.
How has Citizens & Northern's earnings yield changed year-over-year?: Citizens & Northern's earnings yield decreased by 49.8% year-over-year, from 8.7% to 4.4%.
What is the long-term trend for Citizens & Northern's earnings yield?: Over 5 years (2020 to 2025), Citizens & Northern's earnings yield has grown at a 1.3% compound annual growth rate (CAGR), from 6.1% to 6.5%.
What does earnings yield mean?: Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.