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

Company Overview

Citizens & Northern Corporation is a bank holding company headquartered in Wellsboro, Pennsylvania. Its principal subsidiary, Citizens & Northern Bank, provides community banking services to individuals, businesses, nonprofit organizations and municipalities.

The bank offers deposit accounts, residential and commercial real estate lending, consumer loans, commercial loans, agricultural financing and other credit products. It also provides electronic and digital banking, cash-management services, trust and fiduciary services, investment services and insurance-related products.

Founded in 1864, Citizens & Northern has a long history of serving communities in north-central Pennsylvania and the Southern Tier of New York. Its operations are focused primarily on these regional markets, where it maintains branches and delivers relationship-based banking services through its local network.

Key Stats

• Today's Range: $24.87 to $25.43
• 50-Day Range: $23.26 to $26.13
• 52-Week Range: $18.87 to $26.37
• Volume: 65,249 shs
• Average Volume: 53,420 shs
• Market Capitalization: $448.61 million
• P/E Ratio: 16.91
• Dividend Yield: 4.48%
• Price Target: $23.50
• Consensus Rating: Hold

Citizens & Northern Stock Analysis - MarketRank™

Citizens & Northern scored higher than 74% of companies evaluated by MarketBeat, and ranked 395th out of 855 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Hold

Consensus Rating

Citizens & Northern has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

Downside Risk

Citizens & Northern has a consensus price target of $23.50, representing about 6.1% downside from its current price of $25.02.

Amount of Analyst Coverage

Citizens & Northern has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 26.73%

Earnings Growth

Earnings for Citizens & Northern are expected to grow by 26.73% in the coming year, from $2.17 to $2.75 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens & Northern is 16.91, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens & Northern is 16.91, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.68.

Price to Book Value per Share Ratio

Citizens & Northern has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.35% of the float of Citizens & Northern has been sold short.

Short Interest Ratio / Days to Cover

Citizens & Northern has a short interest ratio ("days to cover") of 7.14.

Change versus previous month

Short interest in Citizens & Northern has recently increased by 7.18%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Citizens & Northern is a leading dividend payer. It pays a dividend yield of 4.43%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Citizens & Northern does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Citizens & Northern is 75.68%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Citizens & Northern will have a dividend payout ratio of 40.73% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.07

News Sentiment

Citizens & Northern has a news sentiment score of 1.07. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Citizens & Northern this week, compared to 2 articles on an average week.

Company Ownership

• Score: 3.4 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 insiders have purchased shares of Citizens & Northern in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $9,633.00 in company stock, which represents 0.0021% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $9,633.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

4.72% of the stock of Citizens & Northern is held by insiders.

Percentage Held by Institutions

30.83% of the stock of Citizens & Northern is held by institutions.

Company Calendar

• Record date for 8/14 Dividend: 8/03/2026
• Ex-Dividend for 8/14 Dividend: 8/03/2026
• Last Earnings: 8/07/2026
• Dividend Payable: 8/14/2026
• Today: 10/01/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CZNC
• CIK: 810958
• Web: www.cnbankpa.com
• Phone: (570) 724-3411
• Fax: 570-724-6395
• Employees: 460
• Year Founded: 1864

Price Target and Rating

• Average Price Target for Citizens & Northern: $23.50
• High Price Target: $23.50
• Low Price Target: $23.50
• Potential Upside/Downside: -6.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.48
• Trailing P/E Ratio: 16.91
• Forward P/E Ratio: 11.53
• P/E Growth: N/A
• Net Income: $23.43 million
• Net Margins: 13.28%
• Pretax Margin: 16.33%
• Return on Equity: 9.54%
• Return on Assets: 1.04%

Debt

• Debt-to-Equity Ratio: 0.45
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $170.03 million
• Price / Sales: 2.64
• Cash Flow: $1.86 per share
• Price / Cash Flow: 13.48
• Book Value: $19.19 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 17,930,000
• Free Float: 17,088,000
• Market Cap: $448.61 million
• Optionable: Optionable
• Beta: 0.40