CZNC (Citizens & Northern) Notes Receivable: $0.0 Mil (As of Mar. 2026)


CZNC Citizens & Northern Corp CZNC
56 GF Score
Price $23.49
GF Value $20.86
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Notes Receivable?

Citizens & Northern CZNC -0.68% 56 Notes Receivable is $0.0 Mil as of Mar. 2026. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.86 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Citizens & Northern's Notes Receivable for the quarter that ended in Mar. 2026 was $0.0 Mil.

Citizens & Northern Notes Receivable Related Terms

Citizens & Northern Notes Receivable Historical Data

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The historical data trend for Citizens & Northern's Notes Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens & Northern Notes Receivable Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
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Citizens & Northern Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Notes Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
CZNC
56GF Score
Citizens & Northern Corp CZNC
Notes Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Notes Receivable Calculation

Notes Receivable is an unconditional promise to receive a definite sum of money at a future date(s) within one year of the balance sheet date or the normal operating cycle, whichever is longer.

Frequently Asked Questions Learn more about Notes Receivable →
What does a Notes Receivable of $0.0 Mil mean?
Citizens & Northern (CZNC) has a Notes Receivable of $0.0 Mil as of Mar. 2026. Notes Receivable is an unconditional promise to receive a definite sum of money within one year. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Notes Receivable too high?
Citizens & Northern's current Notes Receivable is $0.0 Mil. Overall, Citizens & Northern has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's Notes Receivable compare to FMAO and NEWT?
Citizens & Northern's Notes Receivable of $0.0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Notes Receivable for a Banks company?
A good Notes Receivable depends on the Banks industry context. However, Notes Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Notes Receivable mean?
A high Notes Receivable can signal that a stock is expensive relative to its fundamentals. Notes Receivable is an unconditional promise to receive a definite sum of money within one year. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Notes Receivable is $0.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens & Northern stock overvalued right now?
Based on GuruFocus' analysis, Citizens & Northern (CZNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.86, compared to a current price of $23.49 — trading 12.6% above its estimated fair value. The current Notes Receivable is $0.0 Mil. Citizens & Northern's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Notes Receivable calculated?
Notes Receivable is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Notes Receivable is $0.0 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens & Northern (CZNC) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued. The current stock price of $23.49 is trading 12.6% above its estimated GF Value™ of $20.86. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Notes Receivable: $0.0 Mil
  • GF Value™: $20.86 vs. price of $23.49 (12.6% above fair value)
  • GF Score™: 56/100 with 6 warning signs

No single metric tells the full story. See the CZNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens & Northern Business Description

Address 90-92 Main Street, Wellsboro, PA, USA, 16901
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.
56GF Score

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Notes Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.49
Price
$20.86
GF Value