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Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
1999
386
LTM Revenue $109M
Last FY EBITDA n/a
$480M
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Citizens & Northern has a last 12-month revenue (LTM) of $109M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Citizens & Northern achieved revenue of $107M and an EBITDA of n/a.
Citizens & Northern expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Citizens & Northern valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $109M | XXX | $107M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $27.5M | XXX | $26.0M | XXX | XXX | XXX |
| Net Margin | 25% | XXX | 24% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $79.0M | XXX | XXX | XXX |
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As of August 15, 2025, Citizens & Northern's stock price is $19.
Citizens & Northern has current market cap of $296M, and EV of $480M.
See Citizens & Northern trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $480M | $296M | XXX | XXX | XXX | XXX | $1.81 |
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Start Free TrialAs of August 15, 2025, Citizens & Northern has market cap of $296M and EV of $480M.
Citizens & Northern's trades at 4.5x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Citizens & Northern's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Citizens & Northern has a P/E ratio of 10.8x.
See valuation multiples for Citizens & Northern and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $296M | XXX | $296M | XXX | XXX | XXX |
| EV (current) | $480M | XXX | $480M | XXX | XXX | XXX |
| EV/Revenue | 4.4x | XXX | 4.5x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 10.8x | XXX | 11.4x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 15.4x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialCitizens & Northern's last 12 month revenue growth is 5%
Citizens & Northern's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged n/a for the same period.
Citizens & Northern's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Citizens & Northern's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Citizens & Northern and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 5% | XXX | 5% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Citizens & Northern acquired XXX companies to date.
Last acquisition by Citizens & Northern was XXXXXXXX, XXXXX XXXXX XXXXXX . Citizens & Northern acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Citizens & Northern founded? | Citizens & Northern was founded in 1999. |
| Where is Citizens & Northern headquartered? | Citizens & Northern is headquartered in United States of America. |
| How many employees does Citizens & Northern have? | As of today, Citizens & Northern has 386 employees. |
| Who is the CEO of Citizens & Northern? | Citizens & Northern's CEO is Mr. J. Bradley Scovill. |
| Is Citizens & Northern publicy listed? | Yes, Citizens & Northern is a public company listed on NAS. |
| What is the stock symbol of Citizens & Northern? | Citizens & Northern trades under CZNC ticker. |
| When did Citizens & Northern go public? | Citizens & Northern went public in 1994. |
| Who are competitors of Citizens & Northern? | Similar companies to Citizens & Northern include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Citizens & Northern? | Citizens & Northern's current market cap is $296M |
| What is the current revenue of Citizens & Northern? | Citizens & Northern's last 12 months revenue is $109M. |
| What is the current revenue growth of Citizens & Northern? | Citizens & Northern revenue growth (NTM/LTM) is 5%. |
| What is the current EV/Revenue multiple of Citizens & Northern? | Current revenue multiple of Citizens & Northern is 4.4x. |
| Is Citizens & Northern profitable? | Yes, Citizens & Northern is EBITDA-positive (as of the last 12 months). |
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