Citizens & Northern Corporation (CZNC) Stock Score, Valuation & Financial Research
Citizens & Northern Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 50/100.
Quick answer for CZNC
Citizens & Northern Corporation currently has a Wall Street Score of 50/100. The stored market price is $25.96. Its financial score is 40/100. Its valuation score is 90/100. The latest WSS change is +0.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What Citizens & Northern Corporation does
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuit
CZNC financial snapshot
- Wall Street Score:
- 50/100
- Current price:
- $25.96
- Market capitalization:
- $465.1M
- Revenue:
- $164.3M
- Net income:
- $25.3M
- Free cash flow:
- $30.1M
- Cash:
- $82.5M
- Total debt:
- $170.0M
- EPS:
- 1.48
- P/E ratio:
- 17.6x
- Financial score:
- 40/100
- Valuation score:
- 90/100
- Revenue score:
- 27/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $30.1M, showing positive cash generation.
- The balance sheet shows $82.5M of cash versus $170.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.2 points: CZNC increased 0.2 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 90/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 40/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CZNC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.