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

Company Overview

Citizens & Northern Corp. is a bank holding company headquartered in Wellsboro, Pennsylvania, operating through its wholly owned subsidiary, Citizens & Northern Bank. Established in 1865, the company has built a reputation for personalized, community-focused banking services. Citizens & Northern offers a comprehensive range of financial solutions tailored to both individuals and businesses, with an emphasis on relationship-driven service and local decision-making.

The company’s primary business activities include commercial lending, consumer mortgages, deposit services and wealth management. Citizens & Northern provides commercial and industrial loans, agricultural financing, commercial real estate lending, and equipment financing to support businesses across various industries. On the consumer side, it delivers residential mortgage products, home equity loans, vehicle loans and a suite of deposit accounts, such as checking, savings and money market accounts. Additionally, the bank’s wealth management division offers trust services, investment management and retirement planning to help clients preserve and grow their assets.

Citizens & Northern maintains a branch network throughout north central Pennsylvania and into the Southern Tier of New York, serving communities in Bradford, Lycoming, Tioga, Potter and Chemung counties. The company has embraced digital banking, providing online and mobile platforms that enable customers to access accounts, make deposits and perform transactions remotely. A network of ATMs and merchant services further supports the banking needs of both urban centers and rural towns within its service area.

Leadership at Citizens & Northern is headed by President and Chief Executive Officer Richard H. Schlager, supported by a seasoned executive team with deep roots in community banking. The company’s governance structure emphasizes local oversight and community engagement, reflecting its long-standing commitment to fostering economic growth and financial well-being in the regions it serves.

Key Stats

• Today's Range: $19.73 to $20.25
• 50-Day Range: $18.07 to $20.07
• 52-Week Range: $16.73 to $22.68
• Volume: 33,142 shs
• Average Volume: 30,004 shs
• Market Capitalization: $309.80 million
• P/E Ratio: 11.43
• Dividend Yield: 5.60%
• Price Target: N/A
• Consensus Rating: Hold

Citizens & Northern Stock Analysis - MarketRank™

Citizens & Northern scored higher than 47% of companies evaluated by MarketBeat, and ranked 619th out of 901 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens & Northern.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.76%

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 11.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.87.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens & Northern is 11.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Citizens & Northern has a P/B Ratio of 1.12. 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

1.19% 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 5.5.

Change versus previous month

Short interest in Citizens & Northern has recently increased by 20.58%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Citizens & Northern is a leading dividend payer. It pays a dividend yield of 5.57%, 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.19% 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 5.5.

Change versus previous month

Short interest in Citizens & Northern has recently increased by 20.58%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: N/A

News Sentiment

Citizens & Northern has a news sentiment score of 0.59. 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 lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Citizens & Northern this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

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 $30,607.00 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.

CZNC Stock Analysis - Frequently Asked Questions

How have CZNC shares performed this year?

Citizens & Northern's stock was trading at $18.60 at the start of the year. Since then, CZNC shares have increased by 7.5% and is now trading at $20.00.

How were Citizens & Northern's earnings last quarter?

Citizens & Northern Corp (NASDAQ:CZNC) posted its 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%.

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: 7/08/2025
• 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 (Trailing Twelve Months): $1.75
• Trailing P/E Ratio: 11.33
• Forward P/E Ratio: 10.38
• 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: 1.95
• Cash Flow: $1.89 per share
• Price / Cash Flow: 10.49
• Book Value: $17.86 per share
• Price / Book: 1.11

Miscellaneous

• Outstanding Shares: 15,490,000
• Free Float: 14,799,000
• Market Cap: $307.17 million
• Optionable: Optionable
• Beta: 0.49