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Zacks Company Profile for Citizens & Northern Corp (CZNC : NSDQ)

• Company Description    Citizens & Northern Corporation is a one-bank holding company whose principal subsidiary is Citizens & Northern Bank. The Corporation's principal office is located in Wellsboro, Pennsylvania. The Corporation's other wholly-owned subsidiaries are Citizens & Northern InvestmentCorporation and Bucktail Life Insurance Company. Citizens & Northern Investment Corporation was formed in 1999 to engage in investmentactivities. Bucktail provides credit life and accident and health insurance on behalf of the Bank. Number of Employees: 460

• Price / Volume Information    Yesterday's Closing Price: $21.07 Daily Weekly Monthly 20 Day Moving Average: 40,649 shares Shares Outstanding: 17.92 (millions) Market Capitalization: $377.51 (millions) Beta: 0.44 52 Week High: $24.12 52 Week Low: $18.02 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -8.39% -12.87% 12 Week -9.22% -16.08% Year To Date 4.46% -3.41%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 90-92 MAIN ST - WELLSBORO,PA 16901 USA ph: 570-724-3411 fax: 570-724-6395 None http://www.cnbankpa.com

• General Corporate Information    Officers Bradley Scovill - Chief Executive Officer and President Mark A. Hughes - Executive Vice President; Treasurer and Chief Fina Terry L. Lehman - Director Frank G. Pellegrino - Director Stephen M. Dorwart - Director Peer Information Citizens & Northern Corp (CNBKA) Citizens & Northern Corp (CNBI2) Citizens & Northern Corp (CNOB) Citizens & Northern Corp (FBNK.) Citizens & Northern Corp (FMBN) Citizens & Northern Corp (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 172922106 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 03/01/26 Next Expected EPS Date: 08/14/26 Share - Related Items Shares Outstanding: 17.92 Most Recent Split Date: 12.00 (1.01:1) Beta: 0.44 Market Capitalization: $377.51 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 5.32% Current Fiscal Quarter EPS Consensus Estimate: $0.63 Indicated Annual Dividend: $1.12 Current Fiscal Year EPS Consensus Estimate: $1.97 Payout Ratio: 0.77 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.11 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 05/04/2026 - $0.28 Next EPS Report Date: 08/14/26

• Fundamental Ratios P/E Current FY Estimate: 10.70 Trailing 12 Months: 14.53 PEG Ratio: - Price Ratios Price/Book: 1.12 Price/Cash Flow: 11.24 Price / Sales: 2.10 EPS Growth vs. Year Ago Period: -95.12% vs. Previous Quarter: -96.43% Sales Growth vs. Year Ago Period: 26.00% vs. Previous Quarter: -1.97% ROE 03/31/26 - 7.47 12/31/25 - 9.79 09/30/25 - 9.75 ROA 03/31/26 - 0.81 12/31/25 - 1.07 09/30/25 - 1.06 Current Ratio 03/31/26 - 0.91 12/31/25 - 0.91 09/30/25 - 0.93 Quick Ratio 03/31/26 - 0.91 12/31/25 - 0.91 09/30/25 - 0.93 Operating Margin 03/31/26 - 13.05 12/31/25 - 17.33 09/30/25 - 17.20 Net Margin 03/31/26 - 9.67 12/31/25 - 13.75 09/30/25 - 16.81 Pre-Tax Margin 03/31/26 - 11.81 12/31/25 - 16.84 09/30/25 - 20.71 Book Value 03/31/26 - 18.73 12/31/25 - 19.19 09/30/25 - 18.95 Inventory Turnover 03/31/26 - - 12/31/25 - - 09/30/25 - - Debt-to-Equity 03/31/26 - 0.53 12/31/25 - 0.47 09/30/25 - 0.59 Debt-to-Capital 03/31/26 - 34.84 12/31/25 - 32.01 09/30/25 - 37.02

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