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NASDAQ:CZNC

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

Citizens & Northern logo
$19.88 -0.34 (-1.68%)
Closing price 07/11/2025 04:00 PM Eastern
Extended Trading
$19.92 +0.04 (+0.20%)
As of 07/11/2025 04:10 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.

About Citizens & Northern Stock (NASDAQ:CZNC)

Key Stats

Today's Range
$19.81
$20.20
50-Day Range
$18.07
$20.22
52-Week Range
$17.25
$22.68
Volume
22,008 shs
Average Volume
29,958 shs
Market Capitalization
$307.94 million
P/E Ratio
11.36
Dividend Yield
5.63%
Price Target
N/A
Consensus Rating
Hold

Company Overview

Citizens & Northern Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
52nd Percentile Overall Score

CZNC MarketRank™: 

Citizens & Northern scored higher than 52% of companies evaluated by MarketBeat, and ranked 596th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Earnings Growth

    Earnings 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 Market

    The P/E ratio of Citizens & Northern is 11.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Citizens & Northern is 11.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

  • Price to Book Value per Share Ratio

    Citizens & Northern has a P/B Ratio of 1.11. 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.
  • Percentage of Shares Shorted

    1.64% 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 7.3.
  • Change versus previous month

    Short interest in Citizens & Northern has recently increased by 38.30%, indicating that investor sentiment is decreasing significantly.
  • Dividend Leadership

    Citizens & Northern is a leading dividend payer. It pays a dividend yield of 5.63%, 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 64.00%. This payout ratio is at a healthy, sustainable level, below 75%.

  • Dividend Sustainability

    Based 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.
  • Percentage of Shares Shorted

    1.64% 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 7.3.
  • Change versus previous month

    Short interest in Citizens & Northern has recently increased by 38.30%, indicating that investor sentiment is decreasing significantly.
  • News Sentiment

    Citizens & Northern has a news sentiment score of 0.91. 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 Week

    MarketBeat has tracked 5 news articles for Citizens & Northern this week, compared to 1 article on an average week.
  • 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 $35,045.00 in company stock and sold $0.00 in company stock.

  • Percentage Held by Insiders

    Only 4.49% of the stock of Citizens & Northern is held by insiders.

  • Percentage Held by Institutions

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

  • Read more about Citizens & Northern's insider trading history.
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CZNC Stock Analysis - Frequently Asked Questions

Citizens & Northern's stock was trading at $18.60 at the beginning of 2025. Since then, CZNC stock has increased by 6.9% and is now trading at $19.88.

Citizens & Northern Corp (NASDAQ:CZNC) announced its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported $0.41 EPS 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 the consensus estimate of $28.30 million. Citizens & Northern had a net margin of 16.92% and a trailing twelve-month return on equity of 9.80%.

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.

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
7/12/2025
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
Employees
410
Year Founded
1864

Profitability

EPS (Trailing Twelve Months)
$1.75
Trailing P/E Ratio
11.36
Forward P/E Ratio
10.41
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
1.96
Cash Flow
$1.92 per share
Price / Cash Flow
10.38
Book Value
$17.86 per share
Price / Book
1.11

Miscellaneous

Outstanding Shares
15,490,000
Free Float
14,799,000
Market Cap
$307.94 million
Optionable
Optionable
Beta
0.49

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This page (NASDAQ:CZNC) was last updated on 7/13/2025 by MarketBeat.com Staff
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