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CZNC Stock Chart & Stats
$19.66
$0.13(0.71%)
At close: 4:00 PM EST
$19.66
$0.13(0.71%)
Day’s Range― - ―
52-Week Range$18.16 - $24.25
Previous CloseN/A
Volume9.85K
Average Volume (3M)49.39K
Market Cap
$409.39M
Enterprise Value$526.06M
Total Cash (Recent Filing)$53.45M
Total Debt (Recent Filing)$193.05M
Price to Earnings (P/E)21.1
Beta0.62
Next Earnings
Jul 16, 2026EPS Estimate
0.63Next Dividend Ex-DateN/A
Dividend Yield5.43%
Share Statistics
EPS (TTM)1.09
Shares Outstanding17,916,586
10 Day Avg. Volume58,625
30 Day Avg. Volume49,387
Financial Highlights & Ratios
PEG Ratio-1.02
Price to Book (P/B)0.94
Price to Sales (P/S)2.09
P/FCF Ratio10.69
Enterprise Value/Market Cap1.28
Enterprise Value/Revenue3.18
Enterprise Value/Gross Profit5.36
Enterprise Value/Ebitda22.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.5
Revenue Forecast (FY)$146.90M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthRe-accelerating top-line growth (+6.7% TTM) signals durable demand for the bank’s lending and deposit services within its regional franchise. Sustained revenue momentum supports margin recovery options, capacity to invest in credit originations, and recurring net interest income over the next several quarters.
Improving Leverage & Capital BaseLower leverage (debt/equity ~0.58) and a sizable equity base (~$336M) improve financial flexibility and absorption of credit stress. A stronger capital foundation supports sustainable lending growth, dividend payments and regulatory cushions, reducing structural funding risk over the medium term.
Strong Cash Generation & FCFHealthy operating cash flow and high free cash flow (FCF ~$36.4M, ~0.94x net income) indicate earnings quality and real cash available for dividends, loan funding or reserves. Robust FCF growth (+25.6% TTM) underpins durable capital returns and reinvestment capacity over multiple quarters.
Bears Say
Margin CompressionSubstantially lower net margins versus prior years reflect persistent pressure on core profitability. If driven by structural deposit costs, yield curve shifts or asset mix changes, this erosion materially reduces earnings power and limits room for sustained ROE recovery without expense or pricing fixes.
Weakened Return On EquityROE near 5.5% signals low capital efficiency given the bank’s sizable equity base. Persistently depressed ROE can constrain shareholder returns and make capital redeployment less effective, forcing management to choose between boosting risk-weighted assets or cutting dividends to improve profitability.
Commercial Lending Leadership TransitionA planned retirement and promotion in commercial lending creates execution and relationship risk at the team level. Even orderly succession can slow origination, underwriting consistency and borrower coverage, potentially impeding commercial loan growth and credit oversight for several quarters.
Citizens & Northern News
CZNC FAQ
What was Citizens & Northern’s price range in the past 12 months?
Citizens & Northern lowest stock price was $18.16 and its highest was $24.25 in the past 12 months.
What is Citizens & Northern’s market cap?
Citizens & Northern’s market cap is $409.39M.
When is Citizens & Northern’s upcoming earnings report date?
Citizens & Northern’s upcoming earnings report date is Jul 16, 2026 which is in 3 days.
How were Citizens & Northern’s earnings last quarter?
Citizens & Northern released its earnings results on Apr 29, 2026. The company reported $0.02 earnings per share for the quarter, missing the consensus estimate of $0.58 by -$0.56.
Is Citizens & Northern overvalued?
According to Wall Street analysts Citizens & Northern’s price is currently Overvalued.
Does Citizens & Northern pay dividends?
Citizens & Northern pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 5.43%. See more information on Citizens & Northern dividends here
What is Citizens & Northern’s EPS estimate?
Citizens & Northern’s EPS estimate is 0.63.
How many shares outstanding does Citizens & Northern have?
Citizens & Northern has 17,916,586 shares outstanding.
What happened to Citizens & Northern’s price movement after its last earnings report?
Citizens & Northern reported an EPS of $0.02 in its last earnings report, missing expectations of $0.58. Following the earnings report the stock price went down -4.002%.
Which hedge fund is a major shareholder of Citizens & Northern?
Currently, no hedge funds are holding shares in CZNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens & Northern Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
CZNC Sentiment 67%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 300.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $16.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
30.16%
12-Months-Change
Fundamentals
Return on Equity
5.54%
Trailing 12-Months
Asset Growth
21.19%
Trailing 12-Months
Company Description
Citizens & Northern
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Technical Analysis
Ownership Overview
4.89% Insiders
9.35% Mutual Funds
4.68% Other Institutional Investors
69.57% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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