CZNC PEER ANALYSIS

Citizens & Northern Corp — metric-by-metric comparison with peers and the industry median

CZNCCitizens & Northern Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CZNCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CZNC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	23.98	15.65	—	2.96●	9.16	13.38	12.88
P/B	1.24	3.99	31,504.34	0.71●	1.41	1.41	1.29
EV/EBITDA	23.43	-9.21●	418,782.20	2.21	-8.43	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CZNC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	1.23●	—	—	—	0.25	0.12	0.31
Debt/Equity	57.5%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	5.87	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	CZNC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	10.5%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	5.6%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	0.6%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CZNC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-35.4%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	4.7%	—	—	—	4.8%●	3.2%	2.5%
Payout	97.4%	—	—	—	—	—	31.4%

Valuation
Metric	CZNC	PLBC	PBFS	FMAO	PCB	CBAN	Ind. Median
P/E	23.98	12.99	21.24	11.77	10.06●	14.39	12.88
P/B	1.24	1.58	1.28	1.13	1.02●	1.13	1.29
EV/EBITDA	23.43	0.64●	—	6.27	4.59	13.78	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CZNC	PLBC	PBFS	FMAO	PCB	CBAN	Ind. Median
Current Ratio	1.23●	0.33	0.11	0.13	0.68	0.45	0.31
Debt/Equity	57.5%	54.3%	—	71.5%	17.2%●	67.9%	38.0%
NetDebt/EBITDA	5.87	-8.40●	—	-1.66	-2.09	4.86	-0.58

Profitability
Metric	CZNC	PLBC	PBFS	FMAO	PCB	CBAN	Ind. Median
Net Margin	10.5%	26.7%●	15.3%	18.8%	19.0%	15.1%	20.6%
ROE	5.6%	14.2%●	6.2%	10.0%	10.1%	8.9%	10.9%
ROA	0.6%	1.7%●	0.9%	1.0%	1.2%	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CZNC	PLBC	PBFS	FMAO	PCB	CBAN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-35.4%	9.0%	2.7%	30.5%	39.9%●	18.7%	19.4%
Div. Yield	4.7%●	2.1%	—	2.9%	2.8%	2.3%	2.5%
Payout	97.4%	25.6%	—	34.0%	29.9%	28.7%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.