Citizens & Northern Corporation operates as a bank holding company for Citizens & Northern Bank, which provides various community banking services.
The company’s other wholly-owned subsidiaries are Citizens & Northern Investment Corporation and Buck…
Analysis
Middle-of-the-road
Citizens & Northern Corporation is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.
The price is fair. You pay 19.3× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.
The trajectory is tepid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.
Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202377
17
2023202420252026
All-time high
77
Jan 2023
All-time low
17
Jun 2026
Average rank
49
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
90
65
45
44
Price/Earnings
95
52
17
19
Price/Book
61
48
16
28
Dividend Yield
99
91
91
99
Value (overall)
94
75
29
37
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.