Citizens & Northern Corp Common Stock (CZNC)

FairStock Score: 48/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Citizens & Northern and ask whether it earns good returns on capital and whether the price leaves a margin of safety. The business is understandable: 460 employees, a $451.8M market cap, deposits and loans to local customers. But the numbers are mixed. At the 2026-10-13 close of $25.19, FairStock calculates a P/E of 17.14, P/B of 1.31, and ROE of 8.02%. Graham would not call that a bargain for a bank earning 8% on equity; Buffett would want proof that return is sustainable and credit costs are contained. The filed record is profitable but uneven: FY2023, ended 2023-12-31, net income $24.1M and EPS $1.57; FY2024, ended 2024-12-31, net income $26.0M and EPS $1.69; FY2025, ended 2025-12-31, net income $23.4M and EPS $1.46. Fiscal Q1 2026, ended 2026-03-31, was very weak, with net income $273,000 and EPS $0.02, but fiscal Q2 2026, ended 2026-06-30, rebounded to net income $14.1M and EPS $0.79. The computed Lynch category is SLOW GROWER, based on 4.0% annual profit growth over five years, and the supplied profit-growth measure is -95.66%, so consistency is not a strength. The 4.45% dividend yield and low beta of 0.40 are attractive for income, and a Piotroski F-score of 6/9 is respectable. Yet P/B above 1 and P/E of 17.14 for a slow grower means the stock is not obviously cheap; FairStock Score 48/100 feels fair at best. Critically, bank-specific measures such as CET1, net interest margin, nonperforming loans, reserve coverage, efficiency ratio, and combined ratio are not in the data. Without them, I cannot fully judge credit or capital risk. I would wait for better evidence of durable earnings before calling it a bargain.

In plain English: Citizens & Northern is a small regional bank that takes deposits and makes loans to individuals and businesses. The bank is profitable and pays a solid dividend, but its profits have bounced around a lot and its long-term growth has been slow. At the recent price, the stock looks roughly fair rather than cheap or expensive for what the numbers show.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer