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CZNC Stock Chart & Stats
$24.35
$0.11(0.45%)
At close: 4:00 PM EDT
$24.35
$0.11(0.45%)
Day’s Range― - ―
52-Week Range$18.16 - $25.84
Previous CloseN/A
Volume48.36K
Average Volume (3M)49.39K
Market Cap
$454.90M
Enterprise Value$501.76
Total Cash (Recent Filing)$53.45M
Total Debt (Recent Filing)$193.05M
Price to Earnings (P/E)37.9
Beta0.64
Next Earnings
Oct 15, 2026EPS Estimate
0.68Next Dividend Ex-DateN/A
Dividend Yield4.41%
Share Statistics
EPS (TTM)1.09
Shares Outstanding17,916,586
10 Day Avg. Volume58,625
30 Day Avg. Volume49,387
Financial Highlights & Ratios
PEG Ratio-1.02
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.69
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.97
Revenue Forecast (FY)$146.90M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & Business MomentumSustained TTM revenue re-acceleration indicates underlying demand and effective core banking activity across loans, deposits and fees. Over a 2–6 month horizon this supports earnings stability, provides capacity to invest in branches/products, and partly offsets margin pressure.
Improved Balance Sheet / LeverageLower leverage and sizable equity provide a durable capital cushion that enhances resilience to credit stress and rate shocks. This balance-sheet flexibility supports prudent loan growth, regulatory compliance and shareholder distributions over the medium term.
Strong Cash GenerationRobust free cash flow near reported earnings demonstrates solid cash conversion capacity. Durable FCF supports recurring dividends, internal reinvestment and loss-absorbing buffers, reinforcing capital-return continuity and funding optionality in the coming months.
Bears Say
Margin Compression And Weaker ProfitabilityA sustained drop in net margin materially reduces earnings power and ROE, constraining the bank's ability to grow capital internally. If margins remain compressed, management will face trade-offs between credit growth, pricing, and maintaining dividends, limiting strategic flexibility.
Lower Cash Conversion Of Reported EarningsPersistent operating-cash-flow shortfall vs. net income signals timing or working-capital frictions and weaker earnings quality. Over months this can pressure liquidity metrics, constrain payout safety and increase sensitivity to credit deterioration or slower deposit repricing.
Commercial Lending Leadership TransitionA C-suite commercial lending retirement and internal promotion, while planned, can disrupt client relationships, underwriting continuity and loan origination momentum. In regional banks, such transitions can affect loan growth and asset quality over the next several quarters.
Citizens & Northern News
CZNC FAQ
What was Citizens & Northern Corp’s price range in the past 12 months?
Citizens & Northern Corp lowest stock price was $18.16 and its highest was $25.84 in the past 12 months.
What is Citizens & Northern Corp’s market cap?
Citizens & Northern Corp’s market cap is $454.90M.
When is Citizens & Northern Corp’s upcoming earnings report date?
Citizens & Northern Corp’s upcoming earnings report date is Oct 15, 2026 which is in 73 days.
How were Citizens & Northern Corp’s earnings last quarter?
Citizens & Northern Corp released its earnings results on Jul 16, 2026. The company reported $0.79 earnings per share for the quarter, beating the consensus estimate of $0.63 by $0.16.
Is Citizens & Northern Corp overvalued?
According to Wall Street analysts Citizens & Northern Corp’s price is currently Overvalued.
Does Citizens & Northern Corp pay dividends?
Citizens & Northern Corp pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 4.41%. See more information on Citizens & Northern Corp dividends here
What is Citizens & Northern Corp’s EPS estimate?
Citizens & Northern Corp’s EPS estimate is 0.68.
How many shares outstanding does Citizens & Northern Corp have?
Citizens & Northern Corp has 17,916,586 shares outstanding.
What happened to Citizens & Northern Corp’s price movement after its last earnings report?
Citizens & Northern Corp reported an EPS of $0.79 in its last earnings report, beating expectations of $0.63. Following the earnings report the stock price went up 3.293%.
Which hedge fund is a major shareholder of Citizens & Northern Corp?
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
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10
Blogger Sentiment
Bullish
CZNC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 300.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $16.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
30.16%
12-Months-Change
Fundamentals
Return on Equity
4.41%
Trailing 12-Months
Asset Growth
20.65%
Trailing 12-Months
Company Description
Citizens & Northern Corp
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Technical Analysis
Ownership Overview
4.89% Insiders
9.35% Mutual Funds
2.80% Other Institutional Investors
71.18% Public Companies and
Individual Investors