Citizens & Northern
Through the investors’ lenses
3 of 3 cleared5 of 5 criteria
Each of these investors has said in public what they look at before buying. Click a name to see how this company measures up — a tick where it passes one of their tests, a cross where it does not.
Warren Buffett 3/3
| Measure | CZNC | Checked against | |
|---|---|---|---|
| Owner earnings | $23.89m | positive | ✓ |
| Return on equity | 6.9% | US median 2.8% | ✓ |
| Debt to equity | — | US median 0.57x | — |
| Operating margin | 20.6% | US median 3.1% | ✓ |
Passes 3 of 3. These are the measures Warren Buffett published, applied to Citizens & Northern’s own figures — their criteria, not their view of this company. What he looks at, and why →
Benjamin Graham 1/1
| Measure | CZNC | Checked against | |
|---|---|---|---|
| Current ratio | — | 2.00x published | — |
| Long-term debt to working capital | — | 1.00x published | — |
| Positive earnings, ten years running | 10 yrs | 10 published | ✓ |
Passes 1 of 1. These are the measures Benjamin Graham published, applied to Citizens & Northern’s own figures — their criteria, not their view of this company. What he looks at, and why →
Peter Lynch 1/1
| Measure | CZNC | Checked against | |
|---|---|---|---|
| Debt to equity | — | US median 0.57x | — |
| Net margin | 16.8% | US median 2.0% | ✓ |
Passes 1 of 1. These are the measures Peter Lynch published, applied to Citizens & Northern’s own figures — their criteria, not their view of this company. What he looks at, and why →
| Basis | Payout | Why |
|---|---|---|
| GAAP earnings | 70.0% | whyThe figure most screeners publish. |
Only one basis is shown, and that is the point. Operating and free cash flow swing with loan, deposit and reserve movements, so for a lender or insurer neither says anything about whether the dividend is affordable. Investment income is omitted for a second reason: insurers file it under the same tag a BDC uses, but it means investment income on float rather than the money that funds the distribution. Screeners that publish these for a bank are printing arithmetic, not information — and a wide gap between them is noise, not a finding.
Coverage rating 30 / 100 — Strained. ? Peer standing 2/50Direction 10/30Stability 18/20
GAAP earnings payout, last 6 years
| Fiscal year | Payout |
|---|---|
| 2025-12-31 | 70.0% |
| 2024-12-31 | 60.2% |
| 2023-12-31 | 65.1% |
| 2022-12-31 | 60.0% |
| 2021-12-31 | 52.8% |
| 2020-12-31 | 75.5% |
Among the 142 banks & insurers companies here, only 4% pay out a larger share on this basis — this is at the demanding end.
The arithmetic
- GAAP earnings — dividends declared per share $1.02 ÷ diluted EPS $1.46
Where the figures came from
- 10-K filed 2026-03-06 · accession 0001104659-26-024613
Every one is public at sec.gov and free to check. That is the point — you should not have to take our word for any of it.
Caveats on this company
- DPS derived from dividends paid ($1.02); no per-share tag filed
Computed by an open pipeline reading SEC XBRL directly. If any number here looks wrong to you, tell us — that is more useful to us than agreement.
What the GAAP earnings payout ratio measures, and where every company here sits on it.
Also on: rated strained · when it files.
Who else looks like this
Every figure above is computed from Citizens & Northern’s own filing, and every company here is measured the same way. Screen all of them on any of these twelve measures, or on the rules four investors published — free, and nothing you screen leaves your browser.
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