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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: 386

• Price / Volume Information    Yesterday's Closing Price: $19.27 Daily Weekly Monthly 20 Day Moving Average: 44,414 shares Shares Outstanding: 15.52 (millions) Market Capitalization: $298.97 (millions) Beta: 0.58 52 Week High: $22.68 52 Week Low: $17.85 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.00% -2.62% 12 Week 0.84% -3.34% Year To Date 3.60% -9.44%

• 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 J. Bradley Scovill - Chief Executive Officer and President Mark A. Hughes - Treasurer and Chief Financial Officer Stephen M. Dorwart - Director Frank G. Pellegrino - Director Robert G. Loughery - 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: 09/01/25 Next Expected EPS Date: 01/22/26 Share - Related Items Shares Outstanding: 15.52 Most Recent Split Date: 12.00 (1.01:1) Beta: 0.58 Market Capitalization: $298.97 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 5.81% Current Fiscal Quarter EPS Consensus Estimate: $0.57 Indicated Annual Dividend: $1.12 Current Fiscal Year EPS Consensus Estimate: $1.88 Payout Ratio: 0.62 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: -0.03 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 11/03/2025 - $0.28 Next EPS Report Date: 01/22/26

• Fundamental Ratios P/E Current FY Estimate: 10.22 Trailing 12 Months: 10.65 PEG Ratio: - Price Ratios Price/Book: 1.04 Price/Cash Flow: 10.06 Price / Sales: 1.86 EPS Growth vs. Year Ago Period: 14.63% vs. Previous Quarter: 17.50% Sales Growth vs. Year Ago Period: 1.82% vs. Previous Quarter: 0.88% ROE 09/30/25 - 9.86 06/30/25 - 9.60 03/31/25 - 9.80 ROA 09/30/25 - 1.06 06/30/25 - 1.02 03/31/25 - 1.03 Current Ratio 09/30/25 - - 06/30/25 - 0.94 03/31/25 - 0.94 Quick Ratio 09/30/25 - - 06/30/25 - 0.94 03/31/25 - 0.94 Operating Margin 09/30/25 - 17.20 06/30/25 - 16.77 03/31/25 - 16.92 Net Margin 09/30/25 - 16.81 06/30/25 - 16.77 03/31/25 - 16.92 Pre-Tax Margin 09/30/25 - - 06/30/25 - 20.68 03/31/25 - 20.83 Book Value 09/30/25 - - 06/30/25 - 18.48 03/31/25 - 18.22 Inventory Turnover 09/30/25 - - 06/30/25 - - 03/31/25 - - Debt-to-Equity 09/30/25 - - 06/30/25 - 0.64 03/31/25 - 0.69 Debt-to-Capital 09/30/25 - - 06/30/25 - 39.08 03/31/25 - 40.80

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