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$18.02 - $24.12
Previous CloseN/A
Volume9.85K
Average Volume (3M)39.55K
Market Cap
$395.46M
Enterprise Value$386.44M
Total Cash (Recent Filing)$337.38M
Total Debt (Recent Filing)$193.05M
Price to Earnings (P/E)13.7
Beta0.68
Next Earnings
Jul 16, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield5.43%
Share Statistics
EPS (TTM)0.02
Shares Outstanding17,910,242
10 Day Avg. Volume36,680
30 Day Avg. Volume39,552
Financial Highlights & Ratios
PEG Ratio-1.01
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio11.44
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.81
Enterprise Value/Ebitda12.75
Forecast
1Y Price Target
$23.50Price Target Upside19.53% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.52
Revenue Forecast (FY)$146.90M
Bulls Say, Bears Say
Bulls Say
Improving LeverageA materially lower debt-to-equity ratio enhances balance-sheet resilience and lowers financial risk. Sustained de-leveraging improves capital flexibility for lending, cushions shocks to earnings, and supports regulatory ratios and shareholder distributions over the medium term.
Steady Cash GenerationConsistent operating cash flow and free cash flow that converts earnings into cash signal high earnings quality. This durable cash generation supports dividends, organic growth, loan funding and capital management without reliance on wholesale financing, strengthening long-term financial stability.
Committed Dividend PolicyA regular cash dividend reflects management confidence in recurring earnings and liquidity. Maintaining distributions helps retain income-focused investors, signals conservative capital planning, and indicates predictable capital allocation discipline that supports franchise credibility over time.
Bears Say
Cooling Revenue GrowthA decline in revenue after prior growth suggests waning loan or fee momentum and weaker top-line drivers. Persistent revenue softness constrains operating leverage, limits the ability to restore margins, and reduces the runway for reinvestment or faster balance-sheet expansion.
Margin And ROE CompressionSignificant margin erosion and lower ROE point to structural profitability pressure, likely from funding costs, asset mix shifts, or competitive pricing. Lower returns on equity reduce internal capital generation, making it harder to fund growth or sustain dividend levels without margin recovery.
Limited Free Cash Flow MomentumWhile FCF matched net income in 2025, several years of flat or negative FCF growth imply limited cash expansion capacity. That trend constrains strategic investments, loan growth funding, and resilience to earnings shocks, weakening medium-term growth optionality.
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 $395.46M.
When is Citizens & Northern’s upcoming earnings report date?
Citizens & Northern’s upcoming earnings report date is Jul 16, 2026 which is in 76 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 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 0.62.
How many shares outstanding does Citizens & Northern have?
Citizens & Northern has 17,910,242 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%.
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
Underperform
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10
Analyst Consensus
Hold
Average Price Target:
$23.50 (19.53% Upside)
$23.50 (19.53% Upside)
Blogger Sentiment
Neutral
CZNC Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 300.0 Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 3.3%
Last 30 Days ▼ 3.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.33%
12-Months-Change
Fundamentals
Return on Equity
5.49%
Trailing 12-Months
Asset Growth
20.06%
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
4.93% Insiders
8.94% Mutual Funds
3.27% Other Institutional Investors
72.88% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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