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Citizens & Northern (CZNC)
NASDAQ:CZNC
CZNC Stock Chart & Stats
$19.66
$0.13(0.71%)
At close: 4:00 PM EST
$19.66
$0.13(0.71%)
Day’s Range― - ―
52-Week Range$18.02 - $24.12
Previous CloseN/A
Volume9.85K
Average Volume (3M)51.64K
Market Cap
$396.98M
Enterprise Value$508.32M
Total Cash (Recent Filing)$554.66M
Total Debt (Recent Filing)$189.47M
Price to Earnings (P/E)13.7
Beta0.67
Next Earnings
Apr 16, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend Yield5.43%
Share Statistics
EPS (TTM)0.56
Shares Outstanding17,801,872
10 Day Avg. Volume49,364
30 Day Avg. Volume51,641
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.05
Enterprise Value/Market Cap1.28
Enterprise Value/Revenue3.28
Enterprise Value/Gross Profit5.01
Enterprise Value/Ebitda16.77
Forecast
1Y Price Target
$23.50Price Target Upside19.53% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.54
Revenue Forecast (FY)$146.10M
Bulls Say, Bears Say
Bulls Say
Improving LeverageCitizens & Northern has materially reduced leverage over recent years, with debt-to-equity falling to ~0.55 in 2025. Lower leverage enhances capital resilience, reduces funding strain in stressed environments, and increases flexibility for lending, dividends, and strategic investments over the medium term.
Consistent Cash GenerationOperating cash flow has been reliably positive and free cash flow in 2025 approximated net income, indicating high earnings quality. Durable cash generation supports dividend payments, loan funding and reserve building, lowering dependence on volatile wholesale funding across a 2–6 month horizon and beyond.
Committed Dividend PolicyA regular quarterly dividend reflects disciplined capital allocation and management focus on shareholder returns. For a regional bank, consistent dividends signal stable internal capital and confidence in cash flow, reinforcing long-term investor support and discipline in capital planning and payouts.
Bears Say
Revenue DeclineRevenue cooled meaningfully, falling ~3.3% in 2025 after earlier growth. Persistent revenue weakness reduces room to absorb expense or credit shocks, constrains reinvestment in products and branches, and can pressure medium-term profitability if growth drivers are not restored.
Margin Compression And Weaker ROENet margin has compressed from earlier highs and ROE has fallen to ~6.9%. Lower profitability per unit of equity suggests reduced efficiency and profitability headroom, making returns more sensitive to credit losses or rising funding costs and limiting long-term capital accumulation.
Limited Cash-flow MomentumAlthough FCF matched net income in 2025, growth was largely flat or slightly negative in prior years. This uneven cash-flow momentum limits capacity to expand lending or invest in technology without impacting dividends or capital ratios, constraining durable operational scaling.
Citizens & Northern News
CZNC FAQ
What was Citizens & Northern’s price range in the past 12 months?
Citizens & Northern lowest stock price was $18.02 and its highest was $24.11 in the past 12 months.
What is Citizens & Northern’s market cap?
Citizens & Northern’s market cap is $396.98M.
When is Citizens & Northern’s upcoming earnings report date?
Citizens & Northern’s upcoming earnings report date is Apr 16, 2026 which is in 39 days.
How were Citizens & Northern’s earnings last quarter?
Citizens & Northern released its earnings results on Jan 28, 2026. The company reported $0.56 earnings per share for the quarter, missing the consensus estimate of $0.585 by -$0.025.
Is Citizens & Northern overvalued?
According to Wall Street analysts Citizens & Northern’s price is currently Undervalued.
Does Citizens & Northern pay dividends?
Citizens & Northern pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 5.43%. See more information on Citizens & Northern dividends here
What is Citizens & Northern’s EPS estimate?
Citizens & Northern’s EPS estimate is 0.58.
How many shares outstanding does Citizens & Northern have?
Citizens & Northern has 17,801,872 shares outstanding.
What happened to Citizens & Northern’s price movement after its last earnings report?
Citizens & Northern reported an EPS of $0.56 in its last earnings report, missing expectations of $0.585. Following the earnings report the stock price went up 4.397%.
Which hedge fund is a major shareholder of Citizens & Northern?
Currently, no hedge funds are holding shares in CZNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens & Northern Stock Smart Score
Neutral
1
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5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$23.50 (19.53% Upside)
$23.50 (19.53% Upside)
Hedge Fund Trend
Decreased
By 300.0 Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 4.3%
Last 30 Days ▼ 4.3%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.66%
12-Months-Change
Fundamentals
Return on Equity
7.54%
Trailing 12-Months
Asset Growth
19.92%
Trailing 12-Months
Company Description
Citizens & Northern
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
CZNC Stock 12 Month Forecast
Average Price Target
$23.50
▲(19.53% Upside)
Technical Analysis
Ownership Overview
4.97% Insiders
8.50% Mutual Funds
4.88% Other Institutional Investors
71.74% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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