profit from every $100 of sales.
$0$100
Citizens & Northern
$28.02-0.46% today
+44.4% in 1 year
1-year low $19.021-year high $28.56
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $21.47 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Citizens & Northern sold, what it kept, and what it did with the cash.
Sales went from $106 million in 2022 to $121 million in 2025, with $23.4 million of profit last year.
SalesProfit
Citizens & Northern handed back 55% of the cash it generated last year.
$16M
Free cash flow 2025$30M
Bought back its own shares$218,000
Paid as dividends$16M
Cash vs. debt$46M vs. $188M
Citizens & Northern vs. similar companies
Citizens & Northern grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Citizens & Northern | 21.5× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Citizens & Northern's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 106 | 103 | 107 | 121 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 27 | 24 | 26 | 23 | |
| 1.71 | 1.57 | 1.69 | 1.46 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.1% | 23.4% | 24.4% | 19.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,454 | 2,516 | 2,611 | 3,132 |
| Cash | 55 | 57 | 126 | 46 |
| Total debt | 179 | 209 | 205 | 188 |
| Total liabilities | 2,205 | 2,253 | 2,335 | 2,791 |
| 249 | 262 | 275 | 342 | |
| 15 | 15 | 15 | 16 | |
| – | – | – | – | |
| 10.7% | 9.2% | 9.4% | 6.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 35 | 34 | 33 | 32 | |
| 3 | 2 | 2 | 2 | |
| 31 | 31 | 31 | 30 | |
| Dividends paid | 16 | 16 | 16 | 16 |
| 9 | 7 | 1 | 0 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 21.5×
- 11.2×
- –
- 1.1×
- 4.2×
- 4.7%
- 5.3%
Profitability
- 19.4%
- 2.6%
- 5.8%
- 5.5%
- 0.6%
Growth
- +4.5%
- −5.1%
- +0.7%
- +0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 41%of 827
Bottom 29%of 709
Bottom 25%of 876
Bottom 35%of 879
Bottom 49%of 926
What analysts expect
- Average price target
- $23.50
- Range
- $23.50 – $23.50
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 8, 2026 | 0.02 | 0.58 | −96.6% |
| Jan 28, 2026 | 0.56 | 0.58 | −3.4% |
| Oct 23, 2025 | 0.47 | 0.53 | −11.3% |
| Aug 8, 2025 | 0.40 | 0.47 | −14.9% |
| Apr 23, 2025 | 0.41 | 0.44 | −6.8% |
| Jan 23, 2025 | 0.53 | 0.45 | +17.8% |
| Oct 17, 2024 | 0.41 | 0.45 | −8.9% |
| Aug 7, 2024 | 0.40 | 0.39 | +2.6% |
5.3%of the share price, paid each year
On $1,000 invested$53a year at today's yield, before tax
+0.7%2020 to 2025
Raised–not every year
Paid per share, each year
$1.04 in 2015 → $1.12 in 2025
How safe it looks
69.5% of its profit
Room to growStretchedMore than it earns: 54.1%
News
Citizens Holding reports Q3 resultsSeeking Alpha · Nov 3, 2026Omega Healthcare Investors raised to Buy-equivalent at Citizens after stock cools from 52-week highSeeking Alpha · Oct 22, 2026First Citizens (FCNCA): Is the SVB-Boosted Bank Still Undervalued for the S&P 500 Index?Yahoo Finance · Oct 20, 2026First Citizens BancShares (FCNCA): Buy, Sell, or Hold Post Q2 Earnings?Yahoo Finance · Oct 16, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
43No pass
Benjamin Graham
62Pass
Philip Fisher
47No pass
Peter Lynch
32No pass
Joel Greenblatt
10No pass
Charlie Munger
40No pass
Terry Smith
40No pass
Questions about Citizens & Northern
Is Citizens & Northern a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Citizens & Northern AI analysis
What does Citizens & Northern do?
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. It is in Banks - Regional.
Does Citizens & Northern pay a dividend?
Yes. At today's price the dividend is 5.3% a year, about 70% of its yearly profit. In 2025 it paid out $16.3 million in dividends.
Is Citizens & Northern stock halal?
No. Citizens & Northern does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Citizens & Northern stock done over the past year?
Up 44.4% over the past twelve months, to $28.02. It traded between $19.02 and $28.56, close to its high.
Who are Citizens & Northern's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Citizens & Northern's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.