Logo image of CZNC

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

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

19.66 USD
+0.61 (+3.2%)
Last: 11/21/2025, 8:21:27 PM
19.66 USD
0 (0%)
After Hours: 11/21/2025, 8:21:27 PM

CZNC Key Statistics, Chart & Performance

Key Statistics
Market Cap349.95M
Revenue(TTM)113.85M
Net Income(TTM)26.91M
Shares17.80M
Float17.08M
52 Week High22.68
52 Week Low17.85
Yearly Dividend1.01
Dividend Yield5.88%
EPS(TTM)1.76
PE11.17
Fwd PE8.22
Earnings (Next)01-21 2026-01-21/amc
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 2 -2 -4

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

The current stock price of CZNC is 19.66 USD. In the past month the price increased by 0.98%. In the past year, price decreased by -5.12%.

CITIZENS & NORTHERN CORP / CZNC Daily stock chart

CZNC Latest News, Press Relases and Analysis

3 months ago - By: Zacks Investment Research - Mentions: KT ORRF
3 months ago - By: Zacks Investment Research - Mentions: TEN NGG
4 months ago - By: Zacks Investment Research - Mentions: BAP
4 months ago - By: Zacks Investment Research - Mentions: CAC
a year ago - By: Citizens & Northern Corp

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 12.1 58.18B
HBANL HUNTINGTON BANCSHARES - HBAN 6 7/8 PERP 17.86 40.15B
HBANM HUNTINGTON BANCSHARES - HBAN 5.7 PERP 15.7 35.30B
BBT BEACON FINANCIAL CORP 10.7 31.89B
MTB M & T BANK CORP 11.61 29.14B
HBANP HUNTINGTON BANCSHARES - HBAN 4 1/2 PERP 11.97 26.92B
HBAN HUNTINGTON BANCSHARES INC 11.1 23.18B
CFG CITIZENS FINANCIAL GROUP 14.65 22.56B
RF REGIONS FINANCIAL CORP 10.97 21.84B
EWBC EAST WEST BANCORP INC 11.52 14.40B
VLYPN VALLEY NATIONAL BANCORP - VLY 8 1/4 PERP 31.28 14.36B
VLYPP VALLEY NATIONAL BANCORP - VLY 8.11311 PERP 30.8 14.14B

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.


Can you provide the latest stock price for CITIZENS & NORTHERN CORP?

The current stock price of CZNC is 19.66 USD. The price increased by 3.2% in the last trading session.


Does CITIZENS & NORTHERN CORP pay dividends?

CITIZENS & NORTHERN CORP (CZNC) has a dividend yield of 5.88%. The yearly dividend amount is currently 1.01.


How is the ChartMill rating for CITIZENS & NORTHERN CORP?

CZNC has a ChartMill Technical rating of 2 out of 10 and a ChartMill Fundamental rating of 4 out of 10.


How is the valuation of CITIZENS & NORTHERN CORP (CZNC) based on its PE ratio?

The PE ratio for CITIZENS & NORTHERN CORP (CZNC) is 11.17. This is based on the reported non-GAAP earnings per share of 1.76 and the current share price of 19.66 USD.


How many employees does CITIZENS & NORTHERN CORP have?

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


What is the outstanding short interest for CITIZENS & NORTHERN CORP?

The outstanding short interest for CITIZENS & NORTHERN CORP (CZNC) is 1.43% of its float.


CZNC Technical Analysis

ChartMill assigns a technical rating of 2 / 10 to CZNC. When comparing the yearly performance of all stocks, CZNC is a bad performer in the overall market: 63.6% of all stocks are doing better.


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 21.93 USD. This implies a price increase of 11.55% is expected in the next year compared to the current price of 19.66.

For the next year, analysts expect an EPS growth of 4.11% and a revenue growth 6.18% for CZNC


Analysts
Analysts45.71
Price Target21.93 (11.55%)
EPS Next Y4.11%
Revenue Next Year6.18%

CZNC Ownership

Ownership
Inst Owners33.85%
Ins Owners2.75%
Short Float %1.43%
Short Ratio5.96