CZNC
Citizens & Northern Corporation NASDAQ Listed Apr 5, 1994$25.27
+0.12%
vs $25.24
Mkt Cap $403.1M
52w Low $18.39
97.7% of range
52w High $25.43
50d MA $22.90
200d MA $21.84
P/E (TTM)
37.7x
EV/EBITDA
14.6x
P/B
1.2x
Debt/Equity
0.6x
ROE
6.9%
P/FCF
14.3x
RSI (14)
81.00
ATR (14)
$0.72
Beta
0.49
50d MA
$22.90
200d MA
$21.84
Avg Volume
77.6K
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.
90-92 Main Street · Wellsboro, PA 16901 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jul 23, 2026 | AMC | 0.63 | 0.79 | +25.4% | 23.26 | +1.4% | +4.7% | +1.0% | +2.0% | -0.2% | +1.5% | — |
| May 8, 2026 | AMC | 0.58 | 0.02 | -96.6% | 21.63 | -0.6% | -2.7% | -0.2% | -1.2% | +0.0% | -2.5% | — |
| Apr 29, 2026 | AMC | 0.58 | 0.02 | -96.6% | 23.00 | -1.2% | -4.0% | +1.8% | -4.2% | +1.0% | -0.0% | — |
| Jan 28, 2026 | AMC | 0.58 | 0.56 | -3.4% | 21.39 | -0.1% | +4.4% | +1.9% | -0.3% | +3.0% | +1.1% | — |
| Oct 23, 2025 | AMC | 0.53 | 0.47 | -11.3% | 19.24 | +0.1% | +1.2% | +0.4% | +0.2% | -1.7% | +1.3% | — |
| Aug 8, 2025 | AMC | 0.47 | 0.40 | -14.9% | 18.69 | +0.6% | +0.4% | +3.7% | +2.1% | -2.3% | -1.5% | — |
| Apr 23, 2025 | AMC | 0.44 | 0.41 | -6.8% | 19.44 | -1.3% | -3.9% | +2.0% | -1.6% | +1.5% | +1.1% | — |
| Jan 23, 2025 | AMC | 0.45 | 0.53 | +17.8% | 19.25 | +0.4% | +7.6% | +5.8% | -2.2% | +4.4% | -4.2% | — |
| Oct 17, 2024 | AMC | 0.45 | 0.41 | -8.9% | 20.08 | -0.1% | -3.7% | -2.0% | +1.8% | +0.1% | -0.7% | — |
| Aug 7, 2024 | AMC | 0.39 | 0.40 | +2.6% | 17.82 | +1.6% | +5.6% | -1.9% | -0.4% | +0.8% | +1.5% | — |
| May 7, 2024 | AMC | 0.35 | 0.35 | +0.0% | 17.81 | -1.1% | -0.9% | +3.1% | -1.7% | -1.2% | -0.3% | — |
| Mar 11, 2024 | AMC | 0.36 | 0.28 | -22.2% | 17.60 | +0.1% | +1.9% | -3.0% | +2.5% | +3.6% | -3.7% | — |
| Nov 6, 2023 | AMC | 0.40 | 0.50 | +25.0% | 19.11 | +0.7% | +1.9% | -1.1% | +0.3% | +2.1% | -0.1% | — |
| Aug 8, 2023 | AMC | 0.37 | 0.39 | +5.4% | 21.00 | +0.0% | -0.6% | +0.3% | -0.5% | +0.2% | -6.5% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jan 29 | Piper Sandler | Maintains | Neutral → Neutral | — | $21.39 | $21.36 | -0.1% | +4.4% | +1.9% | -0.3% | +3.0% | +1.1% |
| Oct 24 | Piper Sandler | Maintains | Neutral → Neutral | — | $19.24 | $19.25 | +0.1% | +1.2% | +0.4% | +0.2% | -1.7% | +1.3% |
| Apr 24 | Piper Sandler | Maintains | Neutral → Neutral | — | $20.47 | $20.33 | -0.7% | -3.5% | -1.6% | -1.2% | +1.3% | -1.8% |
| Oct 27 | Piper Sandler | Maintains | Overweight → Overweight | — | $17.76 | $18.29 | +3.0% | -3.0% | -1.5% | +3.5% | -3.6% | +3.0% |
| Sep 28 | Piper Sandler | Upgrade | Neutral → Overweight | — | $15.49 | $15.98 | +3.2% | +5.4% | +3.2% | -3.6% | +0.9% | +2.7% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Aug 3, 2026 | Trate Christian C | — | Sell | 560 | $25.21 | $14K | 4,798 | -0.47% | — |
| Jul 31, 2026 | Dorwart Stephen M | — | Sell | 2,278 | $25.37 | $58K | 4,270 | +0.24% | — |
| Jul 8, 2026 | Pellegrino Frank G | — | Buy | 198 | $23.02 | $5K | 50,900 | +0.79% | -2.10% |
| Jul 8, 2026 | Shattuck Katherine W | — | Buy | 9 | $23.02 | $207 | 10,593 | +0.79% | -2.10% |
| Jun 5, 2026 | Pellegrino Frank G | — | Buy | 190 | $21.44 | $4K | 50,702 | +1.45% | -2.58% |
| Jun 5, 2026 | Shattuck Katherine W | — | Buy | 10 | $21.44 | $214 | 10,584 | +1.45% | -2.58% |
| May 28, 2026 | Trate Christian C | — | Sell | 229 | $21.10 | $5K | 5,358 | -0.47% | +2.60% |
| May 13, 2026 | Lehman Terry L | — | Buy | 1,000 | $20.83 | $21K | 30,317 | +0.05% | +2.39% |
| May 8, 2026 | Shattuck Katherine W | — | Buy | 10 | $21.75 | $217 | 10,449 | -0.24% | +1.78% |
| May 8, 2026 | Pellegrino Frank G | — | Buy | 237 | $21.75 | $5K | 49,859 | -0.24% | +1.78% |
8-K
Citizens & Northern Corporation -- 8-K Filing
Citizens & Northern Corporation reported first-quarter earnings of $0.02 per share, significantly missing expectations due to a substantial charge on one of its largest loans.
Apr 29
8-K · 8.01
!! High
Citizens & Northern Corporation -- 8-K 8.01: Material Event / Announcement
Citizens & Northern Corporation will distribute a cash dividend on May 15, 2026 to shareholders registered as of May 4, 2026, providing income to CZNC investors.
Apr 23
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Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$403.1M
Enterprise Value
$214.2M
P/E (TTM)
37.72x
Forward P/E
10.11x
PEG Ratio
-1.01x
P/B
1.18x
P/S
2.45x
P/FCF
14.33x
EV/EBITDA
14.62x
Shares Out
15.9M
Financials (TTM)
Revenue
$164.3M
Net Income
$25.3M
EBITDA
$14.7M
Free Cash Flow
$28.1M
Op Cash Flow
$32.0M
EPS Basic
$1.46
EPS Diluted
$0.67
EPS Forward
$2.50
Gross Margin
51.8%
Op Margin
8.2%
Net Margin
15.4%
Balance Sheet
Total Assets
$3.13B
Total Liab.
$2.79B
Total Equity
$341.7M
Cash
$337.4M
LT Debt
$148.5M
Book Value/Sh
$21.42
Debt/Equity
0.56x
Current Ratio
1.11
Quick Ratio
1.11
Returns & Growth
ROE
6.9%
ROA
0.8%
ROIC
0.8%
Rev Growth YoY
-0.8%
EPS Growth YoY
-13.6%
Price Returns
2W
+8.9%
1M
+7.5%
3M
+16.2%
6M
+7.5%
12M
+36.1%
Technicals
52W High
$25.43
52W Low
$18.39
50d MA
$22.90
200d MA
$21.84
RSI (14)
81.00
ATR (14)
$0.72
Beta
0.49
Avg Volume
78K
Dividends
Div Rate
$1.02
Div Yield
4.5%
Frequency
4
Ex-Div Date
May 4, 2026
Analyst Price Targets
Consensus
$23.50
High
$23.50
Low
$23.50
Median
$23.50
Data updated apr 25, 2026 4:29am
· Source: financialmodelingprep.com