Citizens & Northern Corporation

NASDAQ•CZNC

CEO: Mr. J. Bradley Scovill

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-04-05

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Contact Information

90-92 Main Street, PO Box 58, Wellsboro, PA, 16901, United States

570-724-3411

www.cnbankpa.com

Market Cap

$349.53M

P/E (TTM)

17.2

14.1

Dividend Yield

4.9%

52W High

$24.12

52W Low

$18.02

52W Range

78%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$36.02M-11.12%

4-Quarter Trend

EPS

$0.25-52.83%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Reported Nine-month net income reached $18.96M, up from $17.78M last year, reflecting strong core operational performance before merger impacts.

NIM Significantly Expanded Fully taxable equivalent NIM improved to 3.51% (vs 3.30%), driven by higher earning asset yields outpacing the decrease in funding costs.

Loan Portfolio Increased Total gross loans grew $49.26M since year-end 2024, with commercial loans comprising 76% of the total portfolio as of September 30, 2025.

Strong Capital Position C&N Bank's Common Equity Tier 1 ratio stood at 13.98%, comfortably exceeding regulatory minimums and maintaining capital conservation buffers.

Risk Factors

Credit Provisioning Increased Provision for credit losses rose to $4.75M for nine months, reflecting higher Allowance for Credit Losses due to qualitative factor adjustments.

Acquisition Integration Challenges Successful realization of anticipated merger benefits depends on effective integration, which risks key employee loss and business disruption.

Nonperforming Assets Rising Total nonperforming assets increased to $27.19M (1.02% of assets), primarily due to a $1.92M increase in nonaccrual loans.

Interest Rate Shock Exposure Hypothetical interest rate increases could cause significant declines in Economic Value of Equity, approaching the 40.0% risk limit.

Outlook

Merger Integration Focus Management attention is currently diverted by Susquehanna integration; success requires retaining key personnel and differentiating market services.

Credit Quality Monitoring Management closely monitors commercial loan segment, expecting potential variability in realized losses versus current ACL estimates based on economic forecasts.

Deposit Base Stability Total deposits grew to $2.17B, but management must manage the significant reduction in average brokered deposits observed year-to-date.

Capital Requirements Evolving The Corporation anticipates being subject to stricter consolidated capital requirements in future periods following the recent Susquehanna acquisition.

Peer Comparison

Revenue (TTM)

RBB

$238.00M

+2.6%

FSBW

$217.51M

+6.8%

PCB

$209.37M

+9.1%

Gross Margin (Latest Quarter)

PLBC

84.6%

-6.1pp

OBT

78.7%

+16.3pp

WSBF

74.5%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
OBT	$441.10M	10.6	16.5%	1.3%
RBB	$368.72M	11.5	6.2%	7.5%
CBAN	$353.32M	13.2	9.0%	0.0%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-2.1%

Flat Growth

4Q Net Income CAGR

-10.8%

Declining Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 16, 2026

EPS:$0.58

Revenue:$35.60M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data