CZNC (Citizens & Northern) Scaled Net Operating Assets: 0.06 (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 Scaled Net Operating Assets?

Citizens & Northern CZNC -1.71% 56 Scaled Net Operating Assets is 0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens & Northern's operating assets for the quarter that ended in Mar. 2026 was $2,815.8 Mil. Citizens & Northern's operating liabilities for the quarter that ended in Mar. 2026 was $2,636.2 Mil. Citizens & Northern's Total Assets for the quarter that ended in Dec. 2025 was $3,132.5 Mil. Therefore, Citizens & Northern's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

CZNC
56GF Score
Citizens & Northern Corp CZNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citizens & Northern's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3086.413-2602.901)/2610.653
=0.19

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3132.469 - 46.056
=3086.413

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2790.755 - 160.854 - 27
=2602.901

Citizens & Northern's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2815.777-2636.207)/3132.469
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3164.34 - 348.563
=2815.777

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2828.776 - 179.456 - 13.113
=2636.207

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
Citizens & Northern (CZNC) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Scaled Net Operating Assets too high?
Citizens & Northern's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to FMAO and NEWT?
Citizens & Northern's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.61
Price
$20.89
GF Value