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Citizens & Northern Corporation (CZNC)

21.74 +0.21 (+0.98%)
At close: 4:00:01 PM EDT
21.74 0.00 (0.00%)
After hours: 4:10:04 PM EDT
Trade CZNC on Coinbase
Chart Range Bar
Loading chart for CZNC
  • Previous Close 21.53
  • Open 21.52
  • Bid 21.51 x 100
  • Ask 21.87 x 100
  • Day's Range 21.52 - 21.94
  • 52 Week Range 18.02 - 24.12
  • Volume 30,036
  • Avg. Volume 43,400
  • Market Cap (intraday) 389.362M
  • Beta (5Y Monthly) 0.44
  • PE Ratio (TTM) 20.32
  • EPS (TTM) 1.07
  • Earnings Date (est.) Jul 23, 2026
  • Forward Dividend & Yield 1.12 (5.20%)
  • Ex-Dividend Date May 4, 2026
  • 1y Target Est 25.00

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: CZNC

Trailing total returns as of 5/5/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

CZNC
10.50%
S&P 500 (^GSPC)
6.04%

1-Year Return

CZNC
20.42%
S&P 500 (^GSPC)
28.47%

3-Year Return

CZNC
42.11%
S&P 500 (^GSPC)
75.50%

5-Year Return

CZNC
16.02%
S&P 500 (^GSPC)
74.18%

Earnings Trends: CZNC

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY26
Revenue --
Earnings 273k

Q2

FY25

Q3

FY25

Q4

FY25

Q1

FY26

0
10M
20M
30M

Analyst Insights: CZNC

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Analyst Price Targets

25.00
25.00 Average
21.74 Current
25.00 High

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: CZNC

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Valuation Measures

Annual
As of 5/4/2026
  • Market Cap

    385.60M

  • Enterprise Value

    --

  • Trailing P/E

    20.12

  • Forward P/E

    --

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    2.73

  • Price/Book (mrq)

    1.15

  • Enterprise Value/Revenue

    4.44

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    15.41%

  • Return on Assets (ttm)

    0.60%

  • Return on Equity (ttm)

    5.64%

  • Revenue (ttm)

    112.93M

  • Net Income Avi to Common (ttm)

    17.28M

  • Diluted EPS (ttm)

    1.07

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    54.8M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Compare To: CZNC

Select to analyze similar companies using key performance metrics; select up to 4 stocks.

Company Insights: CZNC

Fair Value

21.74 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: CZNC

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

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  • 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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