Forensic Analysis · Banking / Financial Services · as of Jun 28, 2026
CITIZENS & NORTHERN CORP (CZNC)
A forensic read on CITIZENS & NORTHERN CORP built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
B · Sound & dependable
Forensic grade
Clean
Earnings quality
24.2
P / E (ttm)
5.5%
ROE
$421M
Market cap
4.99%
Dividend yield
CITIZENS & NORTHERN CORP earns a B (Sound & dependable) forensic quality grade. No severe earnings-quality or capital-allocation flags appear in its latest filings.
Key fundamentals
Return on Equity6.9%
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🔒Calibrated 12-month price forecast, with the math shown
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Data from SEC EDGAR public filings · metrics as of Jun 28, 2026. Forensic signals flag probability, not certainty.