Logo image of CZNC

CITIZENS & NORTHERN CORP (CZNC) Stock Overview

NASDAQ:CZNC - US1729221069 - Common Stock

20.11 USD
-0.05 (-0.27%)
Last: 9/8/2025, 12:21:00 PM

CZNC Key Statistics, Chart & Performance

Key Statistics
52 Week High22.68
52 Week Low17.85
Market Cap311.91M
Shares15.51M
Float14.82M
Yearly Dividend1.01
Dividend Yield5.48%
EPS(TTM)1.75
PE11.49
Fwd PE9.62
Earnings (Next)10-15 2025-10-15/amc
IPO10-27 1993-10-27
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 2 4 6 8

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 0 10 -10

The current stock price of CZNC is 20.11 USD. In the past month the price increased by 7.6%. In the past year, price increased by 1.67%.

CITIZENS & NORTHERN CORP / CZNC Daily stock chart

CZNC Competitors/Peers

The largest stocks on the US markets in the "Regional Banks" sub-industry
Full List
Symbol
Company Name
TA
FA
PE
Market Cap
TFC TRUIST FINANCIAL CORP 12.48 58.90B
HBANL HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP 19.21 38.01B
HBANM HUNTINGTON BANCSHARES - HBAN 5.7 PERP 17.02 33.67B
MTB M & T BANK CORP 12.83 30.95B
HBANP HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP 13.88 27.47B
HBAN HUNTINGTON BANCSHARES INC 13.03 25.78B
RF REGIONS FINANCIAL CORP 12 23.88B
CFG CITIZENS FINANCIAL GROUP 15.59 22.13B
EWBC EAST WEST BANCORP INC 12.8 15.07B
VLYPN VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP 36.53 14.72B
VLYPP VALLEY NATIONAL BANCORP - VLY 8.40722 PERP 35.76 14.41B
VLYPO VALLEY NATIONAL BANCORP - VLY 8.43172 PERP 35.17 14.17B

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 and currently employs 386 full-time employees. The Bank is a Pennsylvania banking institution. The company provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also 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 wholly owned subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank has 28 branch offices, including 21 in the northern tier/Northcentral region of Pennsylvania, and one in the Southern tier of New York State.

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 is the stock price of CITIZENS & NORTHERN CORP today?

The current stock price of CZNC is 20.11 USD. The price decreased by -0.27% in the last trading session.


What is the ticker symbol for CITIZENS & NORTHERN CORP stock?

The exchange symbol of CITIZENS & NORTHERN CORP is CZNC and it is listed on the Nasdaq exchange.


On which exchange is CZNC stock listed?

CZNC stock is listed on the Nasdaq exchange.


What is the price forecast or stock price prediction for CITIZENS & NORTHERN CORP stock?

6 analysts have analysed CZNC and the average price target is 21.42 USD. This implies a price increase of 6.51% is expected in the next year compared to the current price of 20.11. Check the CITIZENS & NORTHERN CORP stock analysts ratings, price target forecast and up-and down grades for more detailed information.


What is CITIZENS & NORTHERN CORP worth?

CITIZENS & NORTHERN CORP (CZNC) has a market capitalization of 311.91M USD. This makes CZNC a Small Cap stock.


How many employees does CITIZENS & NORTHERN CORP have?

CITIZENS & NORTHERN CORP (CZNC) currently has 386 employees.


What are the support and resistance levels for CITIZENS & NORTHERN CORP (CZNC) stock?

CITIZENS & NORTHERN CORP (CZNC) has a support level at 19.85 and a resistance level at 20.22. Check the full technical report for a detailed analysis of CZNC support and resistance levels.


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

The Revenue of CITIZENS & NORTHERN CORP (CZNC) is expected to grow by 6.18% in the next year. Check the estimates tab for more information on the CZNC EPS, Sales, EBIT and EBITDA future analyst estimates.


Should I buy CITIZENS & NORTHERN CORP (CZNC) stock?

There is no straightforward answer here. It depends on your investment strategy as different types of investors will look at different aspects. In any case it is important to make an informed decision and these pages can help you forming an opinion:


Does CITIZENS & NORTHERN CORP (CZNC) stock pay dividends?

CITIZENS & NORTHERN CORP (CZNC) has a dividend yield of 5.48%. The yearly dividend amount is currently 1.01. Check the full fundamental report for a detailed analysis of CZNC dividend history, reliability and sustainability.


When does CITIZENS & NORTHERN CORP (CZNC) report earnings?

CITIZENS & NORTHERN CORP (CZNC) will report earnings on 2025-10-15, after the market close.


What is the Price/Earnings (PE) ratio of CITIZENS & NORTHERN CORP (CZNC)?

The PE ratio for CITIZENS & NORTHERN CORP (CZNC) is 11.49. This is based on the reported non-GAAP earnings per share of 1.75 and the current share price of 20.11 USD. Check the full fundamental report for a full analysis of the valuation metrics for CZNC.


What is the Short Interest ratio of CITIZENS & NORTHERN CORP (CZNC) stock?

The outstanding short interest for CITIZENS & NORTHERN CORP (CZNC) is 1.61% of its float. Check the ownership tab for more information on the CZNC short interest.


CZNC Technical Analysis

ChartMill assigns a technical rating of 8 / 10 to CZNC. When comparing the yearly performance of all stocks, CZNC turns out to be only a medium performer in the overall market: it outperformed 52% of all stocks.


Chartmill TA Rating
Chartmill Setup Rating

CZNC Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 10 to CZNC. CZNC has a bad profitability rating. Also its financial health evaluation is rather negative.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend

CZNC Financial Highlights

Over the last trailing twelve months CZNC reported a non-GAAP Earnings per Share(EPS) of 1.75. The EPS increased by 14.38% compared to the year before.


Industry RankSector Rank
PM (TTM) 23.95%
ROA 1.02%
ROE 9.33%
Debt/Equity 0.14
Chartmill High Growth Momentum
EPS Q2Q%0%
Sales Q2Q%7.27%
EPS 1Y (TTM)14.38%
Revenue 1Y (TTM)6.84%

CZNC Forecast & Estimates

6 analysts have analysed CZNC and the average price target is 21.42 USD. This implies a price increase of 6.51% is expected in the next year compared to the current price of 20.11.

For the next year, analysts expect an EPS growth of 11.05% and a revenue growth 6.18% for CZNC


Analysts
Analysts43.33
Price Target21.42 (6.51%)
EPS Next Y11.05%
Revenue Next Year6.18%

CZNC Ownership

Ownership
Inst Owners33.93%
Ins Owners2.88%
Short Float %1.61%
Short Ratio6.17