Citizens & Northern Completes Merger with Susquehanna

Citizens & Northern ( (CZNC) ) just unveiled an announcement.

On October 1, 2025, Citizens & Northern Corporation completed its merger with Susquehanna Community Financial, Inc., resulting in the integration of Susquehanna Community Bank into Citizens & Northern Bank. This strategic move aims to enhance C&N’s market presence in Central Pennsylvania, aligning with its community-focused values and expanding its shareholder and customer base. Key executives from Susquehanna have joined C&N, indicating a smooth transition and potential for strengthened operations.

The most recent analyst rating on (CZNC) stock is a Buy with a $22.50 price target. To see the full list of analyst forecasts on Citizens & Northern stock, see the CZNC Stock Forecast page.

Spark’s Take on CZNC Stock

According to Spark, TipRanks’ AI Analyst, CZNC is a Outperform.

Citizens & Northern’s strong financial performance, characterized by consistent revenue growth and solid profitability, is the most significant factor driving the stock score. The valuation is attractive with a reasonable P/E ratio and a high dividend yield, making it appealing to income-focused investors. Technical indicators suggest a stable price trend with no strong momentum, adding to the stock’s overall stability. The absence of notable earnings call insights or corporate events means these factors did not influence the score.

To see Spark’s full report on CZNC stock, click here.

More about Citizens & Northern

Citizens & Northern Corporation is a bank holding company for Citizens & Northern Bank, headquartered in Wellsboro, Pennsylvania. It operates 35 banking offices across various counties in Pennsylvania and New York, and has a loan production office in Elmira, New York. The company trades on NASDAQ under the symbol ‘CZNC’.

Average Trading Volume: 37,192

Technical Sentiment Signal: Strong Buy

Current Market Cap: $306M

For an in-depth examination of CZNC stock, go to TipRanks’ Overview page.