CITIZENS & NORTHERN CORP (CZNC) Stock Price, Forecast & Analysis

NASDAQ:CZNC • US1729221069

23.23 USD
-0.61 (-2.56%)
At close: Feb 23, 2026
23.23 USD
0 (0%)
After Hours: 2/23/2026, 8:00:01 PM

CZNC Key Statistics, Chart & Performance

Key Statistics
Market Cap413.96M
Revenue(TTM)N/A
Net Income(TTM)26.91M
Shares17.82M
Float17.06M
52 Week High24.12
52 Week Low18.02
Yearly Dividend1.01
Dividend Yield4.76%
EPS(TTM)1.48
PE15.7
Fwd PE8.97
Earnings (Next)04-21
IPO1993-10-27
Sector
GICS SectorFinancials
GICS IndustryBanks
GICS IndustryGroupBanks
GICS SubIndustryRegional Banks
CZNC short term performance overview.The bars show the price performance of CZNC in the last week, last 2 weeks, last month, last 3 and 6 months. 1 week 2 week 1 month 3 months 6 months 0 5 10 15

CZNC long term performance overview.The bars show the price performance of CZNC in the last 1, 2 and 3 years. 1 year 2 years 3 years 5 10 15 20 25

The current stock price of CZNC is 23.23 USD. In the past month the price increased by 7.45%. In the past year, price increased by 8.81%.

CITIZENS & NORTHERN CORP / CZNC Daily stock chart

CZNC Technical Analysis

ChartMill assigns a technical rating of 8 / 10 to CZNC. When comparing the yearly performance of all stocks, CZNC is one of the better performing stocks in the market, outperforming 70.17% of all stocks.


Chartmill TA Rating
Chartmill Setup Rating
CZNC Full Technical Analysis Report

CZNC Fundamental Analysis

ChartMill assigns a fundamental rating of 3 / 10 to CZNC. CZNC may be in some trouble as it scores bad on both profitability and health.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend
CZNC Full Fundamental Analysis Report

CZNC Financial Highlights

Over the last trailing twelve months CZNC reported a non-GAAP Earnings per Share(EPS) of 1.48. The EPS decreased by -12.43% compared to the year before.


Industry RankSector Rank
PM (TTM) 23.64%
ROA 1.01%
ROE 9.15%
Debt/Equity 0.14
Chartmill High Growth Momentum
EPS Q2Q%-52.83%
Sales Q2Q%39.44%
EPS 1Y (TTM)-12.43%
Revenue 1Y (TTM)N/A
CZNC financials

CZNC Forecast & Estimates

6 analysts have analysed CZNC and the average price target is 23.97 USD. This implies a price increase of 3.19% is expected in the next year compared to the current price of 23.23.

For the next year, analysts expect an EPS growth of 75.05% and a revenue growth 7.18% for CZNC


Analysts
Analysts43.33
Price Target23.97 (3.19%)
EPS Next Y75.05%
Revenue Next Year7.18%
CZNC Analyst EstimatesCZNC Analyst Ratings

CZNC Ownership

Ownership
Inst Owners29.99%
Ins Owners2.65%
Short Float %1.89%
Short Ratio5.16
CZNC Ownership

CZNC Competitors/Peers

The largest stocks on the US markets in the "Regional Banks" sub-industry
Full List
SymbolCompany NameTechnical RatingFundamental RatingFPEMarket Cap
TFC TRUIST FINANCIAL CORP11.0366.052B
HBANL HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP15.5652.063B
HBANM HUNTINGTON BANCSHARES - HBAN 5.7 PERP13.9947.191B
BBT BEACON FINANCIAL CORP8.4240.121B
HBAN HUNTINGTON BANCSHARES INC10.3736.555B
HBANP HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP10.7836.19B
MTB M & T BANK CORP11.735.306B
CFG CITIZENS FINANCIAL GROUP12.0828.025B
RF REGIONS FINANCIAL CORP10.7226.092B
EWBC EAST WEST BANCORP INC11.1116.691B

About CZNC

Company Profile

CZNC logo image Citizens & Northern Corp. is a holding company, which engages in community banking. The company is headquartered in Wellsboro, Pennsylvania. The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. The company operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production office in Elmira, New York.

Company Info

CITIZENS & NORTHERN CORP

90-92 Main St

Wellsboro PENNSYLVANIA 16901 US

CEO: J. Bradley Scovill

Employees: 386

CZNC Company Website

CZNC Investor Relations

Phone: 18778382517

CITIZENS & NORTHERN CORP / CZNC FAQ

What does CITIZENS & NORTHERN CORP do?

Citizens & Northern Corp. is a holding company, which engages in community banking. The company is headquartered in Wellsboro, Pennsylvania. The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. The company operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production office in Elmira, New York.


What is the current price of CZNC stock?

The current stock price of CZNC is 23.23 USD. The price decreased by -2.56% in the last trading session.


Does CITIZENS & NORTHERN CORP pay dividends?

CITIZENS & NORTHERN CORP (CZNC) has a dividend yield of 4.76%. The yearly dividend amount is currently 1.01.


What is the ChartMill rating of CITIZENS & NORTHERN CORP stock?

CZNC has a ChartMill Technical rating of 8 out of 10 and a ChartMill Fundamental rating of 3 out of 10.


When is the next dividend date for CITIZENS & NORTHERN CORP (CZNC)?

The next ex-dividend date for CITIZENS & NORTHERN CORP (CZNC) is February 2, 2026.


Is CITIZENS & NORTHERN CORP (CZNC) expected to grow?

The Revenue of CITIZENS & NORTHERN CORP (CZNC) is expected to grow by 7.18% in the next year. Check the estimates tab for more information on the EPS, Sales, EBIT and EBITDA future analyst estimates.


What is the next earnings date for CZNC stock?

CITIZENS & NORTHERN CORP (CZNC) will report earnings on 2026-04-21.