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Citizens & Northern Valuation Multiples
Discover revenue and EBITDA valuation multiples for Citizens & Northern and similar public comparables like First Bank, Bank7, Bank of Marin, Djurslands Bank and more.
Citizens & Northern Overview
About Citizens & Northern
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.
Founded
1999
HQ
Employees
386
Website
Sectors
Financials (LTM)
EV
$590M
Citizens & Northern Financials
Citizens & Northern reported last 12-month revenue of $127M.
In the same LTM period, Citizens & Northern generated $27M in net income.
Revenue (LTM)
Citizens & Northern P&L
In the most recent fiscal year, Citizens & Northern reported revenue of $107M and net income of $26M.
Citizens & Northern expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $127M | XXX | $107M | XXX | XXX | XXX |
| EBIT Margin | 76% | XXX | — | XXX | XXX | XXX |
| Net Profit | $27M | XXX | $26M | XXX | XXX | XXX |
| Net Margin | 21% | XXX | 24% | XXX | XXX | XXX |
| Net Debt | — | — | $79M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Citizens & Northern Stock Performance
Citizens & Northern has current market cap of $400M, and enterprise value of $590M.
Market Cap Evolution
Citizens & Northern's stock price is $22.46.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $590M | $400M | 0.0% | XXX | XXX | XXX | $1.46 |
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Start Free TrialCitizens & Northern Valuation Multiples
Citizens & Northern trades at 4.6x EV/Revenue multiple.
EV / Revenue (LTM)
Citizens & Northern Financial Valuation Multiples
As of March 7, 2026, Citizens & Northern has market cap of $400M and EV of $590M.
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 14.7x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $400M | XXX | $400M | XXX | XXX | XXX |
| EV (current) | $590M | XXX | $590M | XXX | XXX | XXX |
| EV/Revenue | 4.6x | XXX | 5.5x | XXX | XXX | XXX |
| EV/EBIT | 6.1x | XXX | — | XXX | XXX | XXX |
| P/E | 14.7x | XXX | 15.4x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 18.9x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Citizens & Northern Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Citizens & Northern Margins & Growth Rates
Citizens & Northern's revenue in the last 12 month grew by 17%.
Citizens & Northern's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
Citizens & Northern Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 17% | XXX | 15% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 42% | XXX | XXX | XXX |
| Opex to Revenue | 64% | XXX | — | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Citizens & Northern Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| First Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Bank7 | XXX | XXX | XXX | XXX | XXX | XXX |
| Bank of Marin | XXX | XXX | XXX | XXX | XXX | XXX |
| Djurslands Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Vanquis Banking Group | 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 M&A Activity
Citizens & Northern acquired XXX companies to date.
Last acquisition by Citizens & Northern was on XXXXXXXX, XXXXX. Citizens & Northern acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Citizens & Northern
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCitizens & Northern Investment Activity
Citizens & Northern invested in XXX companies to date.
Citizens & Northern made its latest investment on XXXXXXXX, XXXXX. Citizens & Northern invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Citizens & Northern
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Citizens & Northern
| When was Citizens & Northern founded? | Citizens & Northern was founded in 1999. |
| Where is Citizens & Northern headquartered? | Citizens & Northern is headquartered in United States. |
| How many employees does Citizens & Northern have? | As of today, Citizens & Northern has over 386 employees. |
| Who is the CEO of Citizens & Northern? | Citizens & Northern's CEO is J. Bradley Scovill. |
| Is Citizens & Northern publicly listed? | Yes, Citizens & Northern is a public company listed on Nasdaq. |
| 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? | Citizens & Northern main competitors are First Bank, Bank7, Bank of Marin, Djurslands Bank. |
| What is the current market cap of Citizens & Northern? | Citizens & Northern's current market cap is $400M. |
| What is the current revenue of Citizens & Northern? | Citizens & Northern's last 12 months revenue is $127M. |
| What is the current revenue growth of Citizens & Northern? | Citizens & Northern revenue growth (NTM/LTM) is 17%. |
| What is the current EV/Revenue multiple of Citizens & Northern? | Current revenue multiple of Citizens & Northern is 4.6x. |
| Is Citizens & Northern profitable? | Yes, Citizens & Northern is net-income-positive (as of the last 12 months). |
| What is the current net income of Citizens & Northern? | Citizens & Northern's last 12 months net income is $27M. |
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