Logo image of CZNC

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

USA - Nasdaq - NASDAQ:CZNC - US1729221069 - Common Stock

21.62 USD
-0.76 (-3.4%)
Last: 1/23/2026, 8:00:00 PM
21.62 USD
0 (0%)
After Hours: 1/23/2026, 8:00:00 PM

CZNC Key Statistics, Chart & Performance

Key Statistics
Market Cap384.84M
Revenue(TTM)113.85M
Net Income(TTM)26.91M
Shares17.80M
Float17.08M
52 Week High22.68
52 Week Low18.02
Yearly Dividend1.01
Dividend Yield5%
EPS(TTM)1.76
PE12.28
Fwd PE8.7
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 2 4 6 8 10

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 5 -5

The current stock price of CZNC is 21.62 USD. In the past month the price increased by 4.8%. In the past year, price increased by 4.39%.

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 turns out to be only a medium performer in the overall market: it outperformed 65.45% of all stocks.


Chartmill TA Rating
Chartmill Setup Rating

CZNC Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 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 Financial Highlights

Over the last trailing twelve months CZNC reported a non-GAAP Earnings per Share(EPS) of 1.76. The EPS increased by 22.22% 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%2.44%
Sales Q2Q%8.35%
EPS 1Y (TTM)22.22%
Revenue 1Y (TTM)7.84%

CZNC Forecast & Estimates

7 analysts have analysed CZNC and the average price target is 22.7 USD. This implies a price increase of 4.97% is expected in the next year compared to the current price of 21.62.

For the next year, analysts expect an EPS growth of 12.26% and a revenue growth 6.18% for CZNC


Analysts
Analysts45.71
Price Target22.7 (5%)
EPS Next Y12.26%
Revenue Next Year6.18%

CZNC Ownership

Ownership
Inst Owners29.99%
Ins Owners2.65%
Short Float %1.96%
Short Ratio5.72

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 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 and currently employs 386 full-time employees. 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 21.62 USD. The price decreased by -3.4% in the last trading session.


Does CITIZENS & NORTHERN CORP pay dividends?

CITIZENS & NORTHERN CORP (CZNC) has a dividend yield of 5%. 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 4 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 November 3, 2025.


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 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.