Citizens & Northern Corp (CZNC)

Currency in USD
18.39
-0.16(-0.86%)
Closed·
After Hours
18.390.00(0.00%)
·
CZNC Scorecard
Full Analysis
Trading at a low P/E ratio relative to near-term earnings growth
Unusual trading volume
High dividend Yield
CZNC is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
18.2918.77
52 wk Range
17.8522.68
Key Statistics
Prev. Close
18.55
Open
18.65
Day's Range
18.29-18.77
52 wk Range
17.85-22.68
Volume
73.07K
Average Volume (3m)
35.25K
1-Year Change
3.4%
Book Value / Share
18.48
Fair Value
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Fair Value Upside
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CZNC Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
21.00
Upside
+14.19%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

Citizens & Northern Corp News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Strong Sell

Citizens & Northern Corp Company Profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Sector
Financial
Employees
386

Compare CZNC to Peers and Sector

Metrics to compare
CZNC
Peers
Sector
Relationship
P/E Ratio
10.7x23.7x9.5x
PEG Ratio
0.69−0.430.03
Price/Book
1.0x1.1x1.0x
Price / LTM Sales
2.6x2.6x2.8x
Upside (Analyst Target)
13.2%9.4%13.1%
Fair Value Upside
Unlock−6.6%1.7%Unlock

Analyst Ratings

0 Buy
2 Hold
0 Sell
Ratings:
2 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 21.00
(+14.19% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.75%
Dividend Yield
6.04%
Industry Median 3.46%
Annualised payout
1.12
Paid quarterly
5-Years Growth
+0.73%
Growth Streak

Earnings

Latest Release
Jul 24, 2025
EPS / Forecast
0.40 / 0.47
Revenue / Forecast
29.28M / 27.70M
EPS Revisions
Last 90 days

CZNC Income Statement

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FAQ

What Stock Exchange Does Citizens&Northern Trade On?

Citizens&Northern is listed and trades on the Nasdaq Stock Exchange stock exchange.

What Is the Stock Symbol for Citizens&Northern?

The stock symbol for Citizens&Northern is "CZNC."

What Is the Citizens&Northern Market Cap?

As of today, Citizens&Northern market cap is 286.10M.

What Is Citizens&Northern's Earnings Per Share (TTM)?

The Citizens&Northern EPS (TTM) is 1.75.

When Is the Next Citizens&Northern Earnings Date?

Citizens&Northern will release its next earnings report on 15 Oct 2025.

From a Technical Analysis Perspective, Is CZNC a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Citizens&Northern Stock Split?

Citizens&Northern has split 19 times.

How Many Employees Does Citizens&Northern Have?

Citizens&Northern has 386 employees.

What is the current trading status of Citizens&Northern (CZNC)?

As of 07 Aug 2025, Citizens&Northern (CZNC) is trading at a price of 18.39, with a previous close of 18.55. The stock has fluctuated within a day range of 18.29 to 18.77, while its 52-week range spans from 17.85 to 22.68.
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