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CZNC

Citizens & Northern Corporation

Financial Services · USD

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Price alert · CZNC

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28.03 USD +0.21 +0.75%
As of Oct 30, 2026 Extended hours 28.03 0.00%
Bid
27.98 × 2
Ask
28.04 × 2
27.92 Day range 28.49
19.02 52-week range 28.15
YTD
+38.97%
1 year
+43.82%
Open
27.99
Prev close
27.82
Mkt cap
502.71M
Vol
58.23K
Avg vol
63.31K
EPS
1.96
P/E
14.30
Div yield
6.05%
More statistics
Low
27.92
High
28.49
Forward P/E
10.45
Beta
0.45
Short ratio
1.82
Inst. own
33.03%
Dividend
1.12
Ex-div date
Oct 27, 2024
50-d avg
19.83
200-d avg
18.75
1y target
21.00

2Y chart

Chart tools
Interval
CZNC two-year price chart17.920.523.225.828.5Oct 24Mar 25Aug 25Jan 26Jun 26Oct 26

Key statistics

Market cap
285.16M
Enterprise value
327.14M
Trailing P/E
12.85
Forward P/E
10.45
PEG ratio
0.00
Price / sales
2.80
Price / book
1.03
EPS (TTM)
1.44
Beta
0.45
Dividend yield
6.05%
Payout ratio
77.78%
Profit margin
21.63%
Revenue (TTM)
101.90M
Revenue growth
-4.70%
Free cash flow
0
Total cash
186.21M
Total debt
227.73M
Return on equity
8.52%
Shares outstanding
15.41M
Short % of float
0.37%
50-day average
19.83
200-day average
18.75

Analyst view

Consensus: hold

Hold
Price target (mean) 21.00
Ratings (0m) 2 0 buy · 2 hold · 0 sell
  • Strong buy0
  • Buy0
  • Hold2
  • Sell0
  • Strong sell0

Next earnings

Consensus EPS estimate 0.45.

Earnings history

Financials — quick view

All financials
CZNC Revenue — quarterly 41.26M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
CZNC Net income — quarterly 14.06M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
CZNC EPS — quarterly 0.79
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026

Earnings

CZNC recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Oct 17, 2024Sep 1, 20240.450.41-0.04-8.89%
Aug 7, 2024Jun 1, 20240.370.40+0.03+8.11%
May 7, 2024Mar 1, 20240.340.35+0.01+2.94%
Mar 11, 2024Dec 1, 20230.360.28-0.08-22.22%
Nov 6, 2023Sep 1, 20230.450.50+0.05+11.11%
Aug 8, 2023Jun 1, 20230.370.39+0.02+5.41%

Upgrades / downgrades

CZNC analyst upgrades and downgrades
DateFirmActionFromTo
Jun 27, 2023Janney Montgomery Scottinit—Neutral
Apr 24, 2023Piper Sandlermain—Neutral
Oct 27, 2020Piper Sandlermain—Overweight
Sep 28, 2020Piper SandlerupNeutralOverweight

About Citizens & Northern Corporation

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; and lending products, including commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. The company also offers wealth management services comprising 401(k) plans, retirement planning, estate planning, estate settlements, and asset management; personal and commercial insurance products; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents; and reinsures credit and mortgage, life and accident, and health insurance products. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Sector
Financial Services
Industry
Banks - Regional
Country
United States
Website
cnbankpa.com

News

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Insider holders

CZNC insider holders
InsiderRelationLatest transactionDateShares held
DORWART STEPHEN MDirectorSaleOct 15, 202418,265
HOOSE HAROLD F IIIOfficerStock Award(Grant)Feb 19, 202452,239
HUGHES MARK AChief Financial OfficerStock Award(Grant)Feb 19, 202484,848
LEHMAN TERRY LDirectorPurchaseMay 28, 202425,567
LOUGHERY ROBERT GDirectorPurchaseMay 7, 20249,107
PELLEGRINO FRANK GDirectorPurchaseOct 3, 202439,750

Institution ownership

CZNC institution ownership
Holder% heldSharesValueReported
Blackrock Inc.7.57%1,167,35921.60MSep 29, 2024
Vanguard Group Inc5.36%825,52415.27MSep 29, 2024
Dimensional Fund Advisors LP3.57%550,19810.18MSep 29, 2024
Geode Capital Management, LLC2.24%345,8236.40MSep 29, 2024
Citizens & Northern Corp2.13%328,2956.07MSep 29, 2024
State Street Corporation2.00%308,8685.71MSep 29, 2024

Fund ownership

CZNC fund ownership
Holder% heldSharesValueReported
Vanguard Total Stock Market Index Fund2.89%446,1328.25MSep 29, 2024
iShares Russell 2000 ETF2.70%416,6287.71MOct 30, 2024
Vanguard Extended Market Index Fund1.75%269,1254.98MSep 29, 2024
Fidelity Small Cap Index Fund0.99%153,1792.83MAug 30, 2024
iShares Russell 2000 Value ETF0.93%143,6922.66MOct 30, 2024
DFA U.S. Targeted Value Portfolio0.66%101,4621.88MJul 30, 2024
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