Citizens & Northern (CZNC) Stock Price, News & Analysis

Company Overview

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

Key Stats

• Today's Range: $18.30 to $18.70
• 50-Day Range: $18.07 to $19.70
• 52-Week Range: $16.73 to $22.68
• Volume: 78,474 shs
• Average Volume: 30,060 shs
• Market Capitalization: $284.24 million
• P/E Ratio: 10.49
• Dividend Yield: 6.10%
• Price Target: N/A
• Consensus Rating: Hold

CZNC Stock Analysis - Frequently Asked Questions

How have CZNC shares performed this year?

Citizens & Northern's stock was trading at $18.60 on January 1st, 2025. Since then, CZNC shares have decreased by 1.3% and is now trading at $18.35.
View the best growth stocks for 2025 here.

How were Citizens & Northern's earnings last quarter?

Citizens & Northern Corp (NASDAQ:CZNC) announced its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported $0.41 earnings per share for the quarter, missing analysts' consensus estimates of $0.44 by $0.03. The financial services provider had revenue of $27.19 million for the quarter, compared to analyst estimates of $28.30 million. Citizens & Northern had a trailing twelve-month return on equity of 9.80% and a net margin of 16.92%.

Who are Citizens & Northern's major shareholders?

Citizens & Northern's top institutional investors include Citizens & Northern Corp (2.16%), Pennsylvania Capital Management Inc. ADV (0.66%), Stone House Investment Management LLC (0.64%) and IVC Wealth Advisors LLC (0.48%). Insiders that own company stock include Frank G Pellegrino, Leo F Lambert, Terry L Lehman, Bobbi J Kilmer, Katherine W Shattuck, Robert G Loughery, Tracy Ellen Watkins and Helen S Santiago.
View institutional ownership trends.

How do I buy shares of Citizens & Northern?

Shares of CZNC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Citizens & Northern own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens & Northern investors own include NVIDIA (NVDA), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Last Earnings: 4/23/2025
• Ex-Dividend for 5/15 Dividend: 5/02/2025
• Record date for 5/15 Dividend: 5/04/2025
• Dividend Payable: 5/15/2025
• Today: 6/22/2025
• Next Earnings (Estimated): 7/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CZNC
• CIK: 810958
• Web: www.cnbankpa.com
• Phone: (570) 724-3411
• Fax: 570-724-6395
• Employees: 410
• Year Founded: 1864

Profitability

• EPS (Most Recent Fiscal Year): $1.75
• Trailing P/E Ratio: 10.49
• Forward P/E Ratio: 9.61
• P/E Growth: N/A
• Net Income: $25.96 million
• Net Margins: 16.92%
• Pretax Margin: 20.83%
• Return on Equity: 9.80%
• Return on Assets: 1.03%

Debt

• Debt-to-Equity Ratio: 0.69
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $157.29 million
• Price / Sales: 1.81
• Cash Flow: $1.92 per share
• Price / Cash Flow: 9.58
• Book Value: $17.86 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 15,490,000
• Free Float: 14,799,000
• Market Cap: $284.24 million
• Optionable: Optionable
• Beta: 0.50