{"symbol":"CZNC","name":"Citizens & Northern Corporation","sector":"Financial Services","industry":"Banks - Regional","currency":"USD","reportedCurrency":"USD","asOf":{"dataUpdatedAt":"2026-10-06T10:43:06.197Z","note":"lastClose is the verified official regular-session close; latestPrice is a regular-session quote and may be delayed. Fundamentals are trailing-twelve-month unless suffixed otherwise."},"price":{"lastClose":25.43,"lastCloseDate":"2026-10-06","latestPrice":25.43,"priceSource":"fmp-delayed","change":-0.07000000000000028,"changePercent":-0.27450980392156976,"marketCap":455619138,"high52Week":26.37,"low52Week":18.87,"returnYtdPercent":26.43,"return1YPercent":30.97},"valuation":{"peRatio":17.23,"peRatioForward":11.72,"psRatio":2.77,"pbRatio":1.32,"pfcfRatio":null,"pegRatio":6.87,"evToEbitda":null,"evToSales":null,"earningsYieldPercent":5.8,"fcfYieldPercent":null},"profitability":{"grossMarginPercent":null,"operatingMarginPercent":18.58,"netMarginPercent":15.42,"roePercent":7.32,"roaPercent":0.8,"roicPercent":null},"financialHealth":{"currentRatio":null,"quickRatio":null,"debtToEquity":0.49,"interestCoverage":null},"dividends":{"yieldPercent":4.39,"payoutRatioPercent":75.91,"dividendPerShare":1.12,"consecutiveYears":0},"growthCagrPercent":{"revenue":{"y3":9.25,"y5":8.12,"y10":10.43},"grossProfit":{"y3":-5.28,"y5":-3.12,"y10":4.35},"netIncome":{"y3":-3.13,"y5":4.036557574306721,"y10":4.88},"eps":{"y3":-5.13,"y5":2.35,"y10":0.79},"freeCashFlow":{"y3":null,"y5":null,"y10":null},"dividends":{"y3":0,"y5":0.73,"y10":0.74},"totalReturn":{"y3":18.39,"y5":5,"y10":6.8}},"links":{"overview":"https://tgmcharts.com/stocks/CZNC","metrics":"https://tgmcharts.com/stocks/CZNC/metrics","financials":"https://tgmcharts.com/stocks/CZNC/financials","docs":"https://tgmcharts.com/llms.txt"},"applicability":{"freeCashFlow":"free cash flow is unavailable for Citizens & Northern Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.","enterpriseValue":"EV/EBITDA is unavailable for Citizens & Northern Corporation: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.","earnings":"applicable"},"classification":{"type":"bank","flags":{"adr":false,"foreignFiler":false,"semiannualReporter":false,"fund":false}}}