CZNC (Citizens & Northern) ROC %: % (As of Mar. 2026)


CZNC Citizens & Northern Corp CZNC
56 GF Score
Price $23.61
GF Value $20.89
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern ROC %?

Citizens & Northern CZNC -1.71% 56 ROC % is % as of Mar. 2026. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.89 (Modestly Overvalued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

CZNC
56GF Score
Citizens & Northern Corp CZNC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Citizens & Northern (CZNC) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's ROC % too high?
Citizens & Northern's current ROC % is %. 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 ROC % compare to FMAO and NEWT?
Citizens & Northern's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.89, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Citizens & Northern and its competitors. For the Banks industry, the median ROC % is 1.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens & Northern's current ROC % is %. 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 $20.89, compared to a current price of $23.61 — trading 13% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current ROC % is % 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 $23.61 is trading 13% above its estimated GF Value™ of $20.89. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • ROC %: %
  • GF Value™: $20.89 vs. price of $23.61 (13% 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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.61
Price
$20.89
GF Value