Citizens & Northern

Citizens & Northern CZNC Stock

$25.30   1.423414%
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Market Cap
$453.66M
LOW - HIGH [24H]
$24.94 - $25.40
VOLUME [24H]
$32.67K
P/E Ratio
17.20
Earnings per share
$1.47
ISIN
US1729221069
Price   Prediction

Citizens & Northern Price Chart

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Citizens & Northern CZNC Financial and Trading Overview

Citizens & Northern stock price 25.3 USD
Previous Close 25.27 USD
Open 25.17 USD
Bid 18.08 USD x 200
Ask 32.17 USD x 200
Day's Range 25.06 - 25.18 USD
52 Week Range 18.87 - 26.37 USD
Volume 9.13K USD
Avg. Volume 63.12K USD
Market Cap 449.36M USD
Beta (5Y Monthly) 0.4
PE Ratio (TTM) 17.044218
EPS (TTM) 1.47 USD
Forward Dividend & Yield 1.12 (4.42%)
Ex-Dividend Date August 3, 2026
1y Target Est 27 USD

CZNC Valuation Measures

Enterprise Value 540.71M USD
Trailing P/E 17.044218
Forward P/E 9.110909
PEG Ratio (5 yr expected) 1.21
Price/Sales (ttm) 3.5308576
Price/Book (mrq) 1.2987249
Enterprise Value/Revenue 4.249
Enterprise Value/EBITDA N/A

Trading Information

Citizens & Northern Stock Price History

Beta (5Y Monthly) 0.4
52-Week Change 31.13%
S&P500 52-Week Change 18.50%
52 Week High 26.37 USD
52 Week Low 18.87 USD
50-Day Moving Average 25.63 USD
200-Day Moving Average 23.09 USD

CZNC Share Statistics

Avg. Volume (3 month) 63.12K USD
Avg. Daily Volume (10-Days) 51.85K USD
Shares Outstanding 17.93M
Float 17.02M
Short Ratio 5.98
% Held by Insiders 4.20%
% Held by Institutions 34.03%
Shares Short 401.61K
Short % of Float 2.35%
Short % of Shares Outstanding 2.23%

Dividends & Splits

Trailing Annual Dividend Rate 1.12
Trailing Annual Dividend Yield 4.43%
5 Year Average Dividend Yield 507.00%
Payout Ratio 0.7619
Last Split Factor 101:100

Financial Highlights

Fiscal Year

Fiscal Year Ends December 31, 2025
Most Recent Quarter (mrq) June 30, 2026
Next Fiscal Year End December 31, 2026

Profitability

Profit Margin 19.91%
Operating Margin (ttm) 42.22%
Gross Margin 0%
EBITDA Margin 0%

Management Effectiveness

Return on Assets (ttm) 0.88%
Return on Equity (ttm) 8.01%

Income Statement

Revenue (ttm) 127.27M USD
Revenue Per Share (ttm) 7.42 USD
Quarterly Revenue Growth (yoy) 53.20%
Gross Profit (ttm) 127.27M USD
EBITDA N/A
Net Income Avi to Common (ttm) 25.27M USD
Diluted EPS (ttm) 1.47
Quarterly Earnings Growth (yoy) 129.80%

Balance Sheet

Total Cash (mrq) 83.59M USD
Total Cash Per Share (mrq) 4.66 USD
Total Debt (mrq) 171.09M USD
Total Debt/Equity (mrq) N/A
Current Ratio (mrq) N/A
Book Value Per Share (mrq) 19.292

Cash Flow Statement

Operating Cash Flow (ttm) 45.99M USD
Levered Free Cash Flow (ttm) N/A

Profile of Citizens & Northern

Country United States
State PA
City Wellsboro
Address 90-92 Main Street
ZIP 16901
Phone 570 724 3411
Website https://www.cnbankpa.com
Industry Banks - Regional
Sector(s) Financial Services
Full Time Employees 460

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. The company's 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; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Q&A For Citizens & Northern Stock

What is a current CZNC stock price?

Citizens & Northern CZNC stock price today per share is 25.3 USD.

How to purchase Citizens & Northern stock?

You can buy CZNC shares on the Tech Market Small exchange. Contact your financial advisor to select a broker.

What is the ticker symbol for Citizens & Northern?

The stock symbol or ticker of Citizens & Northern is CZNC.

Which industry does the Citizens & Northern company belong to?

The Citizens & Northern industry is Banks - Regional.

How many shares does Citizens & Northern have in circulation?

The max supply of Citizens & Northern shares is 17.93M.

What is Citizens & Northern Price to Earnings Ratio (PE Ratio)?

Citizens & Northern PE Ratio is 17.20748300 now.

What was Citizens & Northern earnings per share over the trailing 12 months (TTM)?

Citizens & Northern EPS is 1.47 USD over the trailing 12 months.

Which sector does the Citizens & Northern company belong to?

The Citizens & Northern sector is Financial Services.

Citizens & Northern CZNC included in indexes

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us US Tech Composite IXIC US 27233.64 USD —
-0.48
4.28B USD — 27219.42 USD — 27376.66 USD — — 4.28B USD —
us US Tech Composite Total Return XCMP US 33640.56 USD —
-0.49
— — 33625.15 USD — 33819.4 USD — — — —
us ABA US Tech Community Bank ABAQ US 457.93 USD —
+1.09
— — 453.05 USD — 458.56 USD — — — —
us US Tech Capital Market Composite RCMP US 123.03 USD —
-1.57
— — 122.96 USD — 124.6 USD — — — —
us US Tech Bank BANK US 5079.79 USD —
+1.12
— — 5030.32 USD — 5085.69 USD — — — —
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