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Citizens & Northern Corporation (CZNC)

27.75 +1.11 (+4.17%)
At close: October 23 at 4:00:01 PM EDT
27.75 0.00 (0.00%)
After hours: October 23 at 5:22:43 PM EDT
Trade CZNC on Coinbase
Chart Range Bar
Loading chart for CZNC
  • Previous Close 26.64
  • Open 26.64
  • Bid 19.91 x 200
  • Ask 34.38 x 200
  • Day's Range 26.64 - 27.78
  • 52 Week Range 18.87 - 27.78
  • Volume 113,769
  • Avg. Volume 63,992
  • Market Cap (intraday) 497.693M
  • Beta (5Y Monthly) 0.40
  • PE Ratio (TTM) 18.88
  • EPS (TTM) 1.47
  • Earnings Date (est.) Oct 22, 2026
  • Forward Dividend & Yield 1.12 (4.20%)
  • 1y Target Est 27.00
  • Zacks Rating Neutral

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

www.cnbankpa.com

460

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Performance Overview

Trailing total returns as of 10/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

CZNC
42.62%
S&P 500 (^GSPC)
11.37%

1-Year Return

CZNC
51.71%
S&P 500 (^GSPC)
13.14%

3-Year Return

CZNC
91.96%
S&P 500 (^GSPC)
80.78%

5-Year Return

CZNC
40.80%
S&P 500 (^GSPC)
67.74%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue --
Earnings 16.29M
Profit Margin 0.00%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
10M
20M
30M
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%

Analyst Insights

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Analyst Price Targets

27.00 Low
27.00 Average
27.75 Current
27.00

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 1/29/2026
Analyst Piper Sandler
Rating Action Maintains
Rating Neutral
Price Action Raises
Price Target 22.5 -> 23.5

Statistics

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Valuation Measures

Annual
As of 9/22/2026
  • Market Cap

    465.05M

  • Enterprise Value

    --

  • Trailing P/E

    17.46

  • Forward P/E

    --

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    3.14

  • Price/Book (mrq)

    1.33

  • Enterprise Value/Revenue

    4.49

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    19.92%

  • Return on Assets (ttm)

    0.88%

  • Return on Equity (ttm)

    8.02%

  • Revenue (ttm)

    127.27M

  • Net Income Avi to Common (ttm)

    25.27M

  • Diluted EPS (ttm)

    1.47

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    83.59M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Compare

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Company Insights

Fair Value

27.75 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

Research Reports

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  • Daily – Vickers Top Buyers & Sellers for 10/07/2025

    The Vickers Top Buyers & Sellers is a daily report that identifies the five companies the largest insider purchase transactions based on the dollar value of the transactions as well as the five companies the largest insider sales transactions based on the dollar value of the transactions.

  • Daily – Vickers Top Insider Picks for 08/20/2021

    The Vickers Top Insider Picks is a daily report that utilizes a proprietary algorithm to identify 25 companies with compelling insider purchase histories based on transactions over the past three months.

  • Daily – Vickers Top Insider Picks for 08/19/2021

    The Vickers Top Insider Picks is a daily report that utilizes a proprietary algorithm to identify 25 companies with compelling insider purchase histories based on transactions over the past three months.

  • Daily – Vickers Top Insider Picks for 08/18/2021

    The Vickers Top Insider Picks is a daily report that utilizes a proprietary algorithm to identify 25 companies with compelling insider purchase histories based on transactions over the past three months.

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