NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $19.17 +0.05 (+0.26%) Closing price 06/27/2025 04:00 PM EasternExtended Trading$19.18 +0.00 (+0.03%) As of 06/27/2025 04:34 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Citizens & Northern Stock (NASDAQ:CZNC) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Citizens & Northern alerts:Sign Up Key Stats Today's Range$19.10▼$19.3750-Day Range$18.07▼$19.7052-Week Range$16.73▼$22.68Volume78,001 shsAverage Volume30,084 shsMarket Capitalization$296.94 millionP/E Ratio10.95Dividend Yield5.84%Price TargetN/AConsensus RatingHold Company OverviewCitizens & 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.Read More… Citizens & Northern Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks52nd Percentile Overall ScoreCZNC MarketRank™: Citizens & Northern scored higher than 52% of companies evaluated by MarketBeat, and ranked 537th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for Citizens & Northern.Read more about Citizens & Northern's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth5.76% Earnings GrowthEarnings for Citizens & Northern are expected to grow by 5.76% in the coming year, from $1.91 to $2.02 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens & Northern is 10.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.02.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 10.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.77.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.07. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Citizens & Northern's valuation and earnings. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted1.19% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 5.5.Change versus previous monthShort interest in Citizens & Northern has recently increased by 20.58%, indicating that investor sentiment is decreasing significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.84%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens & Northern does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Citizens & Northern is 64.00%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens & Northern will have a dividend payout ratio of 55.45% next year. This indicates that Citizens & Northern will be able to sustain or increase its dividend.Read more about Citizens & Northern's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted1.19% of the float of Citizens & Northern has been sold short.Short Interest Ratio / Days to CoverCitizens & Northern has a short interest ratio ("days to cover") of 5.5.Change versus previous monthShort interest in Citizens & Northern has recently increased by 20.58%, indicating that investor sentiment is decreasing significantly. News and Social Media2.2 / 5News Sentiment0.94 News SentimentCitizens & Northern has a news sentiment score of 0.94. 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 news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Citizens & Northern this week, compared to 1 article on an average week. Company Ownership1.7 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Citizens & Northern insiders have bought more of their company's stock than they have sold. Specifically, they have bought $41,294.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 4.49% of the stock of Citizens & Northern is held by insiders.Percentage Held by InstitutionsOnly 30.83% of the stock of Citizens & Northern is held by institutions.Read more about Citizens & Northern's insider trading history. Receive CZNC Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens & Northern and its competitors with MarketBeat's FREE daily newsletter. Email Address CZNC Stock News HeadlinesCZNC - Citizens & Northern Corp Dividends - MorningstarJune 27 at 11:57 PM | morningstar.comMDirector Makes Noteworthy Investment in Citizens & Northern Stock!May 20, 2025 | tipranks.comA new rule goes live in July — and the banks are quietly cashing inA major change is quietly going into effect this July — and Wall Street is already positioning for it. Big Banks have found a way to use a new asset as if it were cash. Not stocks. Not bonds. Not even the U.S. dollar. They now trust this asset more than the traditional financial system itself. | American Alternative (Ad)Citizens & Northern Corporation and Susquehanna Community Financial, Inc. Announce Merger AgreementMay 14, 2025 | nasdaq.comCitizens & Northern to acquire Susquehanna in an all-stock deal valued at $44.3MMay 12, 2025 | msn.comCitizens & Northern (CZNC) to Acquire Susquehanna Community FinancialMay 12, 2025 | gurufocus.comCitizens & Northern Corporation Announces Acquisition of Susquehanna Community Financial, Inc.May 12, 2025 | gurufocus.comCitizens & Northern Corporation declares $0.28 dividendApril 28, 2025 | seekingalpha.comSee More Headlines CZNC Stock Analysis - Frequently Asked Questions How have CZNC shares performed this year? Citizens & Northern's stock was trading at $18.60 at the beginning of 2025. Since then, CZNC shares have increased by 3.1% and is now trading at $19.17. View the best growth stocks for 2025 here. How were Citizens & Northern's earnings last quarter? Citizens & Northern Corp (NASDAQ:CZNC) issued its quarterly earnings results on Wednesday, April, 23rd. The financial services provider reported $0.41 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.44 by $0.03. The financial services provider earned $27.19 million during the quarter, compared to analysts' expectations 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? Top institutional shareholders of Citizens & Northern 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 Earnings4/23/2025Ex-Dividend for 5/15 Dividend5/02/2025Record date for 5/15 Dividend5/04/2025Dividend Payable5/15/2025Today6/28/2025Next Earnings (Estimated)7/16/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryRegional Banks Current SymbolNASDAQ:CZNC CIK810958 Webwww.cnbankpa.com Phone(570) 724-3411Fax570-724-6395Employees410Year Founded1864Profitability EPS (Most Recent Fiscal Year)$1.75 Trailing P/E Ratio10.95 Forward P/E Ratio10.04 P/E GrowthN/ANet Income$25.96 million Net Margins16.92% Pretax Margin20.83% Return on Equity9.80% Return on Assets1.03% Debt Debt-to-Equity Ratio0.69 Current Ratio0.94 Quick Ratio0.94 Sales & Book Value Annual Sales$157.29 million Price / Sales1.89 Cash Flow$1.92 per share Price / Cash Flow10.01 Book Value$17.86 per share Price / Book1.07Miscellaneous Outstanding Shares15,490,000Free Float14,799,000Market Cap$296.94 million OptionableOptionable Beta0.50 Social Links The Best Nuclear Energy Stocks to BuyNuclear energy stocks are roaring. 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