Lumida
/CZNC
⌘K
Citizens & Northern Corp

Citizens & Northern Corp

CZNC
$25.49USD+0.51%+0.13 today

MARKET CAP

457.2M

P/E (TTM)

17.3x

FWD P/E

DAY RANGE

$25 – $26

52W RANGE

$19
$26

AI Summary

Stalk
StalkMedium

CZNC is in a Stage 2 corrective reset within a long-term uptrend, supported by a Bullish Pivot Point signaling structural repair. However, price is extended above the EMAs and near resistance, making timing unfavorable now. Optimal engagement is on a pullback into the 9/21 EMA zone to confirm support and resume the uptrend.

  • Q2 2026 EPS of $0.79 vs. $0.63 estimate and revenue $39.65M vs. $38.60M forecast
  • 1.13% dividend yield with $0.28 quarterly payout reinforces shareholder returns
  • Profitability factor is negative, raising questions on earnings sustainability
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$110.4M$117.1M$137.9M$157.3M$170.1M
YoY %+8.6%+6.1%+17.8%+14.0%+8.1%
P / Sales3.7x3.0x2.5x1.8x1.9x
EV / Sales21.1x21.6x18.7x16.5x18.2x
Gross Profit, Adj.$103.8M$107.6M$104.8M$108.3M$122.7M
YoY %+12.8%+3.6%-2.6%+3.3%+13.3%
Margin %94.1%91.9%76.0%68.9%72.2%
EV / Gross Profit22.5x23.5x24.6x24.0x25.2x
EBITDA, Adj.$37.7M$32.4M$30.5M$31.9M$36.6M
YoY %+15.8%-14.2%-5.8%+4.6%+14.8%
Margin %34.1%27.6%22.1%20.3%21.5%
EV / EBITDA61.9x78.3x84.5x81.5x84.5x
EBIT$37.7M$32.4M$30.5M$31.9M$28.6M
YoY %+62.4%-14.2%-5.8%+4.6%-10.1%
Margin %34.1%27.6%22.1%20.3%16.8%
EV / EBIT61.9x78.3x84.5x81.5x107.9x
Net Income$30.3M$26.4M$24.0M$25.7M$23.2M
YoY %+58.7%-13.0%-9.2%+7.4%-9.7%
Net Margin27.5%22.5%17.4%16.4%13.7%
EPS (GAAP)$1.92$1.71$1.57$1.69$1.46
YoY %+47.7%-10.9%-8.2%+7.6%-13.6%