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Citizens & Northern Corp (CZNC)
$23.37-0.12 (-0.51%)
Market ClosedLast close Jun 29
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.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Citizens & Northern Corporation in the Financial Services sector is trading at $23.37 with a market capitalization of $365M. Wall Street consensus targets $24.00 (1 analysts), implying a +2.7% move over the next 12 months. The stock is currently near its 52-week high of $24.12, remaining 11.9% above its 200-day moving average. On fundamentals, Piotroski 4/9 shows mixed financial quality. The Whystock Score of 85/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side consensus broadly in line with current price
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Quarterly Financials
| Metric (USD) | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|
| Total Revenue | $36.07M↓ | $36.33M↑ | $29.04M↑ | $28.88M↑ | $26.60M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| Net Income | $273,000↓ | $4.47M↓ | $6.55M↑ | $6.12M↓ | $6.29M |
Peer Comparison
JPMBACGS
Fundamentals
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 checki...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$364.96M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
19.04
Beta
Defensive asset. Lower volatility than the S&P 500.
0.44
Div Yield
Strong income play. Yield provides a meaningful total return floor.
4.79%
ROE
Average efficiency. Growth may require heavy reinvestment.
5.19%
Volume
Today's trading volume
93,878
Recent News
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Citizens & Northern AGM: Directors Elected, Crowe LLP Ratified, $0.28 Dividend Declared
Citizens & Northern (NASDAQ:CZNC) shareholders on the company’s annual meeting webcast elected directors, approved an advisory executive compensation proposal, and ratified the appointment of Crowe LLP as independent auditor for 2026. Management also highlighted progress following the October 20