Wall Street analyst estimates for Citizens & Northern Corporation (CZNC): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Analyst Consensus
| Strong Buy | 0 |
| Buy | 0 |
| Hold | 1 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 1 |
| Avg rating (1-5) | 0.00 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-10-22 | $0.68 | ||
| 2026-07-23 | $0.79 | $0.63 | +25.4% |
| 2026-05-08 | $0.02 | $0.58 | -96.6% |
| 2026-01-28 | $0.56 | $0.58 | -3.4% |
| 2025-10-23 | $0.47 | $0.53 | -11.3% |
| 2025-08-08 | $0.40 | $0.47 | -14.9% |
| 2025-04-23 | $0.41 | $0.44 | -6.8% |
| 2025-01-23 | $0.53 | $0.45 | +17.8% |
Valuation Ratios
| P/E Ratio | 17.70 |
| Price / Book | 1.33 |
| EV / EBITDA | 37.72 |
| Dividend Yield | 4.29% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59.6M | $61.0M | $69.7M | $83.0M | $100.4M | $108.9M | $115.5M | $136.2M | $155.5M | $154.2M |
| Cost of Revenue | $4.9M | $4.7M | $5.2M | $11.1M | $13.5M | $10.2M | $16.8M | $33.3M | $51.2M | $53.4M |
| Gross Profit | $54.7M | $56.3M | $64.4M | $71.8M | $86.9M | $98.7M | $98.7M | $102.9M | $104.3M | $100.8M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $21.6M | $22.4M | $23.9M | $27.9M | $33.1M | $37.6M | $41.8M | $44.2M | $44.9M | $53.2M |
| Operating Expenses | $33.6M | $35.7M | $38.2M | $48.4M | $63.7M | $61.0M | $66.4M | $72.5M | $72.4M | $72.1M |
| Operating Income | $21.1M | $20.6M | $26.3M | $23.4M | $23.2M | $37.7M | $32.4M | $30.5M | $31.9M | $28.6M |
| EBITDA | $22.7M | $22.2M | $28.0M | $25.2M | $25.2M | $39.8M | $34.7M | $32.6M | $34.1M | $31.0M |
| Interest Expense | $3.7M | $3.9M | $4.6M | $10.3M | $9.6M | $6.6M | $9.5M | $33.1M | $49.0M | $47.4M |
| Pre-tax Income | $21.1M | $20.6M | $26.3M | $23.4M | $23.2M | $37.7M | $32.4M | $30.5M | $31.9M | $28.6M |
| Income Tax | $5.3M | $7.2M | $4.2M | $3.9M | $4.0M | $7.1M | $5.7M | $6.3M | $5.9M | $5.2M |
| Net Income | $15.8M | $13.4M | $22.0M | $19.5M | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| EPS | $1.30 | $1.10 | $1.80 | $1.46 | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 |
| EPS (Diluted) | $1.30 | $1.10 | $1.80 | $1.46 | $1.29 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 |
| Shares Outstanding (Diluted) | $12.1M | $12.1M | $12.3M | $13.3M | $14.7M | $15.8M | $15.5M | $15.2M | $15.3M | $15.9M |
Price
| Price | $25.96 |
| Market Cap | $465M |
| Exchange | NASDAQ |
| Country | US |
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Explore sector: Financial Services · Banks - Regional
More sections of CZNC: Overview · Financials · Valuation · Statistics · Technical · Ownership · News · Events
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