CZNC (Citizens & Northern) ROCE %: % (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 ROCE %?

Citizens & Northern CZNC -1.71% 56 ROCE % 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.

ROCE % does not apply to banks and insurance companies.

CZNC
56GF Score
Citizens & Northern Corp CZNC
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Citizens & Northern (CZNC) has a ROCE % of % as of Mar. 2026.
Is Citizens & Northern's ROCE % too high?
Citizens & Northern's current ROCE % 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 ROCE % compare to FMAO and NEWT?
Citizens & Northern's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.18. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.18, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens & Northern's current ROCE % 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 ROCE % 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current ROCE % 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:

  • ROCE %: %
  • 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

Get the complete analysis for CZNC

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

$23.61
Price
$20.89
GF Value