NASDAQ:CZNC Citizens & Northern (CZNC) Stock Price, News & Analysis $20.38 -0.11 (-0.54%) As of 09:47 AM Eastern This is a fair market value 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$20.06▼$20.3250-Day Range$18.27▼$20.4952-Week Range$17.85▼$22.68Volume16,137 shsAverage Volume51,805 shsMarket Capitalization$316.18 millionP/E Ratio11.53Dividend Yield5.50%Price TargetN/AConsensus RatingHold 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. Read More Citizens & Northern Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks76th Percentile Overall ScoreCZNC MarketRank™: Citizens & Northern scored higher than 76% of companies evaluated by MarketBeat, and ranked 343rd out of 914 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 11.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.51.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens & Northern is 11.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.32.Price to Book Value per Share RatioCitizens & Northern has a P/B Ratio of 1.13. 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 Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.58% 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 6.7.Change versus previous monthShort interest in Citizens & Northern has recently decreased by 6.47%, indicating that investor sentiment is improving significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCitizens & Northern is a leading dividend payer. It pays a dividend yield of 5.75%, 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 Shorted1.58% 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 6.7.Change versus previous monthShort interest in Citizens & Northern has recently decreased by 6.47%, indicating that investor sentiment is improving significantly. News and Social Media3.5 / 5News SentimentN/A News SentimentCitizens & Northern has a news sentiment score of 1.33. 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 1.07 average news sentiment score of Finance companies.Search Interest1 people have searched for CZNC on MarketBeat in the last 30 days. MarketBeat Follows3 people have added Citizens & Northern to their MarketBeat watchlist in the last 30 days. 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 $13,306.00 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 HeadlinesCitizens & Northern Corporation (NASDAQ:CZNC) Pays A US$0.28 Dividend In Just Three DaysJuly 31, 2025 | finance.yahoo.comUndiscovered Gems In The US Market 3 Small Caps With Promising PotentialJuly 18, 2025 | finance.yahoo.comWhat Steve Bannon revealed about Trump’s gold playA Trump advisor just said 3 words that could reset the dollar. It’s a gold move nobody saw coming—and your IRA could be at risk. Here’s how to prepare.August 26 at 2:00 AM | Reagan Gold Group (Ad)Citizens & Northern director Pellegrino buys $4k in sharesJuly 8, 2025 | investing.comCZNC - Citizens & Northern Corp Dividends - MorningstarJune 27, 2025 | morningstar.comMDirector Makes Noteworthy Investment in Citizens & Northern Stock!May 20, 2025 | tipranks.comCitizens & 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.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 the year. Since then, CZNC stock has increased by 8.2% and is now trading at $20.13. How were Citizens & Northern's earnings last quarter? Citizens & Northern Corp (NASDAQ:CZNC) posted its quarterly earnings data on Friday, August, 8th. The financial services provider reported $0.40 earnings per share for the quarter, missing analysts' consensus estimates of $0.47 by $0.07. The financial services provider had revenue of $29.28 million for the quarter, compared to the consensus estimate of $27.70 million. Citizens & Northern had a net margin of 16.77% and a trailing twelve-month return on equity of 9.60%. Who are Citizens & Northern's major shareholders? Top institutional shareholders of Citizens & Northern include Geode Capital Management LLC (2.36%), Citizens & Northern Corp (2.09%), Stone House Investment Management LLC (0.64%) and IVC Wealth Advisors LLC (0.43%). 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 Record date for 8/15 Dividend8/04/2025Ex-Dividend for 8/15 Dividend8/04/2025Last Earnings8/08/2025Dividend Payable8/15/2025Today8/26/2025Next Earnings (Estimated)10/16/2025Fiscal 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 (Trailing Twelve Months)$1.75 Trailing P/E Ratio11.50 Forward P/E Ratio10.54 P/E GrowthN/ANet Income$25.96 million Net Margins16.77% Pretax Margin20.68% Return on Equity9.60% Return on Assets1.02% Debt Debt-to-Equity Ratio0.64 Current Ratio0.94 Quick Ratio0.94 Sales & Book Value Annual Sales$109.93 million Price / Sales2.84 Cash Flow$1.88 per share Price / Cash Flow10.69 Book Value$17.86 per share Price / Book1.13Miscellaneous Outstanding Shares15,515,000Free Float14,818,000Market Cap$312.32 million OptionableOptionable Beta0.55 Social Links 7 Stocks to Buy And Hold ForeverEnter your email address and we'll send you MarketBeat's list of seven stocks and why their long-term outlooks are very promising. 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