Citizens & Northern (CZNC)
NASDAQ:CZNC
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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$18.16 - $24.12
Previous CloseN/A
Volume9.85K
Average Volume (3M)45.39K
Market Cap
$392.01M
Enterprise Value$516.92M
Total Cash (Recent Filing)$53.45M
Total Debt (Recent Filing)$193.05M
Price to Earnings (P/E)22.4
Beta0.64
Next Earnings
Jul 16, 2026EPS Estimate
0.63Next Dividend Ex-DateN/A
Dividend Yield5.43%
Share Statistics
EPS (TTM)1.09
Shares Outstanding17,916,586
10 Day Avg. Volume49,471
30 Day Avg. Volume45,389
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.69
Enterprise Value/Market Cap1.32
Enterprise Value/Revenue3.12
Enterprise Value/Gross Profit5.26
Enterprise Value/Ebitda23.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.5
Revenue Forecast (FY)$146.90M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained TTM revenue growth indicates improving core banking activity and loan/product demand. Over 2-6 months this supports net interest income expansion and fee recovery, providing a durable lift to earnings capacity and underwriting scale versus prior flat performance in 2025.
Improving Balance Sheet LeverageLower debt-to-equity and sizeable equity base strengthen capital resilience and regulatory flexibility. This durable improvement supports continued lending capacity, absorbs credit shocks, and reduces funding risk, enabling stable franchise operations and measured growth over the medium term.
Strong Free Cash FlowRobust free cash flow and strong FCF growth signal high earnings quality and internal funding capacity. Durable cash generation supports dividends, reinvestment, and provisioning without reliance on wholesale funding, improving long-term financial flexibility and shareholder distributions.
Bears Say
Margin CompressionMeaningful decline in net margin signals reduced profitability per dollar of revenue and compresses internal capital generation. Persisting margin pressure undermines ROE and the bank’s ability to fund growth or rebuild reserves, representing a structural headwind if competitive or funding costs remain elevated.
Weaker Return On EquitySustained low ROE reflects weaker earnings conversion of equity capital and may limit long-term shareholder value creation. If ROE remains depressed, the bank faces tougher choices between cutting dividends, slowing growth, or raising efficiency — all structural constraints on strategic options.
Commercial Lending Leadership TransitionA planned commercial lending leadership change is a material structural event for underwriting and client relationships. Transition risk can affect pipeline, credit decisions, and regional commercial origination strategy for months, potentially slowing loan growth or shifting credit appetite.
Citizens & Northern News
CZNC FAQ
What was Citizens & Northern’s price range in the past 12 months?
Citizens & Northern lowest stock price was $18.16 and its highest was $24.11 in the past 12 months.
What is Citizens & Northern’s market cap?
Citizens & Northern’s market cap is $392.01M.
When is Citizens & Northern’s upcoming earnings report date?
Citizens & Northern’s upcoming earnings report date is Jul 16, 2026 which is in 33 days.
How were Citizens & Northern’s earnings last quarter?
Citizens & Northern released its earnings results on Apr 29, 2026. The company reported $0.02 earnings per share for the quarter, missing the consensus estimate of $0.58 by -$0.56.
Is Citizens & Northern overvalued?
According to Wall Street analysts Citizens & Northern’s price is currently Overvalued.
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 0.63.
How many shares outstanding does Citizens & Northern have?
Citizens & Northern has 17,916,586 shares outstanding.
What happened to Citizens & Northern’s price movement after its last earnings report?
Citizens & Northern reported an EPS of $0.02 in its last earnings report, missing expectations of $0.58. Following the earnings report the stock price went down -4.002%.
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
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4
5
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7
8
9
10
Blogger Sentiment
Neutral
CZNC Sentiment 50%
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
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 9.5%
Last 30 Days ▼ 9.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.54%
12-Months-Change
Fundamentals
Return on Equity
5.54%
Trailing 12-Months
Asset Growth
21.19%
Trailing 12-Months
Company Description
Citizens & Northern
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
4.85% Insiders
9.29% Mutual Funds
4.68% Other Institutional Investors
70.83% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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