Citizens & Northern (CZNC) Stock Price
Citizens & Northern Price
Over the last 19 years Citizens & Northern grew revenue by 6.7% annually, reaching 154.19 M USD. Earnings per share have declined at 0.4% per year over the last 19 years. For Citizens & Northern, the net margin of 15.2% is down versus 28.0% a few years ago. At today's price the dividend yield works out to roughly 4.31%. The payout ratio is around 84% of earnings. The dividend has grown at 0.9% per year over the past 19 years. The consensus 12-month price target for Citizens & Northern is 23.50 USD, about 9.7% below where the stock trades today. Of 6 analysts, 0 rate the stock a buy — an overall Sell consensus. Citizens & Northern's share price has gained 31.2% over the last twelve months. The stock trades about 37% above its 52-week low.
Citizens & Northern stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Citizens & Northern over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Citizens & Northern stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Citizens & Northern's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Citizens & Northern Price |
|---|---|
| 9/11/2026 | 26.01 USD |
| 9/10/2026 | 25.93 USD |
| 9/9/2026 | 25.74 USD |
| 9/8/2026 | 25.75 USD |
| 9/4/2026 | 26.11 USD |
| 9/3/2026 | 25.83 USD |
| 9/2/2026 | 25.83 USD |
| 9/1/2026 | 25.32 USD |
| 8/31/2026 | 25.34 USD |
| 8/30/2026 | 25.40 USD |
| 8/28/2026 | 25.65 USD |
| 8/27/2026 | 25.36 USD |
| 8/26/2026 | 25.36 USD |
| 8/25/2026 | 25.78 USD |
| 8/24/2026 | 25.90 USD |
| 8/21/2026 | 25.80 USD |
| 8/20/2026 | 25.70 USD |
| 8/19/2026 | 25.73 USD |
| 8/18/2026 | 25.97 USD |
| 8/14/2026 | 25.98 USD |
| 8/13/2026 | 26.00 USD |
| 8/12/2026 | 25.95 USD |
| 8/11/2026 | 25.59 USD |
| 8/10/2026 | 25.32 USD |
| 8/7/2026 | 25.36 USD |
| 8/6/2026 | 25.27 USD |
| 8/5/2026 | 25.16 USD |
| 8/4/2026 | 25.29 USD |
| 8/3/2026 | 25.30 USD |
| 7/31/2026 | 25.39 USD |
Citizens & Northern Revenue, Net Income
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Citizens & Northern Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 74.00 | 66.00 | 61.00 | 61.00 | 59.00 | 60.00 | 69.00 | 82.00 | 100.00 | 108.00 | 115.00 | 136.00 | 155.00 | 154.00 | 146.00 | 154.00 |
| -3.90 | -10.81 | -7.58 | – | -3.28 | 1.69 | 15.00 | 18.84 | 21.95 | 8.00 | 6.48 | 18.26 | 13.97 | -0.65 | -5.19 | 5.48 |
| 87.84 | 87.88 | 91.80 | 91.80 | 91.53 | 93.33 | 92.75 | 86.59 | 86.00 | 90.74 | 85.22 | 75.00 | 67.10 | 64.94 | 64.94 | 64.94 |
| 65.00 | 58.00 | 56.00 | 56.00 | 54.00 | 56.00 | 64.00 | 71.00 | 86.00 | 98.00 | 98.00 | 102.00 | 104.00 | 100.00 | 94.81 | 100.00 |
| 22.00 | 18.00 | 17.00 | 16.00 | 15.00 | 13.00 | 22.00 | 19.00 | 19.00 | 30.00 | 26.00 | 24.00 | 25.00 | 23.00 | 33.00 | 41.00 |
| -4.35 | -18.18 | -5.56 | -5.88 | -6.25 | -13.33 | 69.23 | -13.64 | – | 57.89 | -13.33 | -7.69 | 4.17 | -8.00 | 43.48 | 24.24 |
| 0.84 | 1.00 | 1.04 | 1.04 | 1.04 | 1.04 | 1.08 | 1.08 | 1.08 | 1.11 | 1.12 | 1.12 | 1.12 | 1.12 | 1.12 | 1.13 |
| 44.83 | 19.05 | 4.00 | – | – | – | 3.85 | – | – | 2.78 | 0.90 | – | – | – | – | 0.89 |
| 12.27 | 12.42 | 12.33 | 12.20 | 12.14 | 12.08 | 12.29 | 13.66 | 15.80 | 15.64 | 15.38 | 15.18 | 15.43 | 17.67 | 17.67 | 17.67 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Citizens & Northern generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Citizens & Northern retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Citizens & Northern's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Citizens & Northern has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Citizens & Northern's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Citizens & Northern stock margins
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Citizens & Northern Revenue per Share, Earnings per Share
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Citizens & Northern business model & stock analysis
Citizens & Northern SWOT Analysis
Strengths
Citizens & Northern Corp has several key strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of profitability. This provides stability and confidence to both investors and customers.
Secondly, Citizens & Northern Corp has built a reputable brand over the years, known for its excellent customer service and community involvement. This positive image enhances customer loyalty and attracts new customers.
Furthermore, the company benefits from a well-established branch network, strategically located to serve its target market effectively. This extensive presence ensures accessibility and convenience for customers across various regions.
Weaknesses
Despite its strengths, Citizens & Northern Corp also faces certain weaknesses that need to be addressed. One notable weakness is its limited product diversity. The company heavily relies on traditional banking services, which may hinder its ability to compete with more comprehensive financial institutions.
Additionally, Citizens & Northern Corp may lack technological advancements compared to some of its competitors. This could result in potential inefficiencies or missed opportunities in terms of digital banking platforms and innovative financial solutions.
Opportunities
The evolving financial landscape presents numerous opportunities for Citizens & Northern Corp to expand and thrive. One significant opportunity lies in the growing demand for online and mobile banking services. By investing in and enhancing its digital capabilities, the company can attract tech-savvy customers and gain a competitive edge.
Another opportunity is the potential for geographic expansion. Citizens & Northern Corp can consider entering new markets or acquiring smaller regional banks to increase its market share and reach a wider customer base.
Threats
Like any other financial institution, Citizens & Northern Corp faces various threats in the industry. One prominent threat is the intense competition from larger national banks and other regional players. This competition can potentially impact market share and customer acquisition.
Additionally, economic downturns or financial crises can pose significant threats to the company's stability and profitability. Fluctuating interest rates, inflation, and regulatory changes may also have adverse effects on its financial performance.
Citizens & Northern Employees
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Citizens & Northern Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Citizens & Northern historical P/E ratio, EBIT multiple, and P/S ratio
Citizens & Northern annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down Citizens & Northern's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in Citizens & Northern's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare Citizens & Northern's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Citizens & Northern shares outstanding
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Citizens & Northern stock splits
Since 1993, a total of 3.482906866109995 shares have been converted from one Citizens & Northern share.
Citizens & Northern Dividend History
27 years of dividend payments
Citizens & Northern dividend history and estimates
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Citizens & Northern dividend payout ratio
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Current Citizens & Northern forecasts and price targets in September 2026
Analyst Price Targets 2026Citizens & Northern Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 1/29/2026 | Maintained | Neutral | 54 | |
| 10/24/2025 | Maintained | Neutral | 54 | |
| 4/24/2023 | Maintained | Neutral | 54 | |
| 10/27/2020 | Maintained | Overweight | 54 | |
| 9/28/2020 | Upgrade | NeutralOverweight | 54 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Citizens & Northern Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 10/22/2026 | 0.68USD | - | 37.20 MUSD | - | 2026 Q3 |
| 8/7/2026 | 0.63USD | 0.79USD | -USD | - | 2026 Q2 |
| 5/8/2026 | 0.58USD | 0.02USD | 35.60 MUSD | - | 2026 Q1 |
| 1/28/2026 | 0.58USD | 0.56USD | 35.40 MUSD | - | 2025 Q4 |
| 10/23/2025 | 0.53USD | 0.47USD | 28.60 MUSD | - | 2025 Q3 |
| 8/8/2025 | 0.47USD | 0.40USD | 27.70 MUSD | - | 2025 Q2 |
| 4/23/2025 | 0.44USD | 0.41USD | 27.70 MUSD | - | 2025 Q1 |
| 1/23/2025 | 0.45USD | 0.53USD | 26.90 MUSD | - | 2024 Q4 |
| 10/17/2024 | 0.45USD | 0.41USD | 26.95 MUSD | - | 2024 Q3 |
| 8/7/2024 | 0.39USD | 0.40USD | 26.52 MUSD | - | 2024 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Citizens & Northern stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Citizens & Northern shareholder structure
| % | Name |
|---|---|
8.90619% | |
4.99037% | |
4.17444% | |
2.95728% | |
2.21413% | |
0.98255% |
Citizens & Northern Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
6.90% | SEC ↗ | |
6.40% | SEC ↗ | |
5.65% | SEC ↗ | |
5.65% | SEC ↗ | |
4.97% | SEC ↗ | |
3.55% | SEC ↗ | |
3.52% | SEC ↗ | |
1.88% | SEC ↗ | |
1.25% | SEC ↗ | |
0.69% | SEC ↗ |
Citizens & Northern Executives and Management Board
22 members · avg. age 59 · 23 % women
Mr. J. Scovill (65)
President, Chief Executive Officer, Director · since 2015
1.45 M USD
Management
Mr. Mark Hughes (64)
Treasurer and Executive Vice President and Chief Financial Officer of the Bank
Mr. Harold Hoose (58)
Executive Vice President, Chief Revenue Officer of the Bank
Mr. Blair Rush (63)
Executive Vice President, Southeast Region President of the Bank
Ms. Kelley Cwiklinski (61)
Executive Vice President, Chief Commercial Lending Officer
Mr. Stan Dunsmore (62)
Executive Vice President, Chief Credit Officer of the Bank
Mr. Thomas Rudy (61)
Executive Vice President, Chief Delivery Officer and Region President of the Bank
Board of Directors
Mr. Terry Lehman (67)
Independent Chairman of the Board
Mr. Stephen Dorwart (55)
Independent Director
Ms. Bobbi Kilmer (61)
Independent Director
Mr. Frank Pellegrino (61)
Independent Director
Mr. Aaron Singer (53)
Independent Director · since 2000
Ms. Katherine Shattuck (50)
Independent Director
Citizens & Northern Supply Chain
Frequently asked questions about Citizens & Northern
The business model of Citizens & Northern Corp is focused on providing financial services to individuals and businesses. As a community bank, Citizens & Northern Corp offers a range of banking products and services including checking and savings accounts, loans, mortgages, and wealth management solutions. The company prides itself on its commitment to building long-term relationships with its customers, providing personalized and tailored financial solutions. Citizens & Northern Corp aims to support the local community by investing in local businesses and contributing to their growth and development.
Citizens & Northern Corp is primarily active in the financial services industry.
The main competitors of Citizens & Northern Corp in the market include other financial institutions such as Wells Fargo, JPMorgan Chase, Bank of America, and PNC Financial Services.
Citizens & Northern Corp, a renowned financial institution, has a rich history and compelling background. Established in 1864, the company has been providing exceptional banking and financial services to individuals and businesses for over a century. With its headquarters in Wellsboro, Pennsylvania, Citizens & Northern Corp has emerged as a trusted community bank, forging strong relationships with its customers. As a leading financial institution, it offers a wide range of services, including personal and business banking, wealth management, mortgage lending, and insurance solutions. Citizens & Northern Corp's commitment to its clients and deep-rooted experience has solidified its position as a reliable and customer-focused organization in the financial sector.
Citizens & Northern Corp, a leading financial institution, has achieved several significant milestones over the years. Firstly, the company has consistently demonstrated strong financial performance, recording consistent growth in revenue and earnings. Secondly, Citizens & Northern Corp has successfully expanded its presence beyond its core markets, enabling it to serve a larger customer base and generate increased shareholder value. Furthermore, the company has been recognized for its commitment to customer service, receiving accolades and awards for its excellence in providing innovative financial solutions. Lastly, Citizens & Northern Corp has maintained a solid reputation as a trusted and reliable institution, earning the trust and loyalty of its customers.
Citizens & Northern Corp is primarily present in the United States.
Citizens & Northern Corp represents a strong commitment to integrity, service, and innovation. With a focus on building long-term relationships, the company strives to provide exceptional financial solutions and personalized customer service. Citizens & Northern Corp embraces a conservative approach to risk management and ensures the safety and security of its customers' assets. Through continuous improvement and adapting to changing market dynamics, Citizens & Northern Corp aims to deliver value to its shareholders. Emphasizing community involvement and supporting local economies, the company remains dedicated to its core values while driving growth and success.
Analysts currently set an average price target of 23.50 USD for the Citizens & Northern stock (median: 23.50 USD), implying -9.7 % versus the latest price. The consensus is based on 6 analyst ratings.
6 analysts currently rate the Citizens & Northern stock: 0 recommend buying, 3 holding and 3 selling. For 2026, analysts expect Citizens & Northern to generate revenue of 146.90 M USD and earnings per share of 1.87 USD.
Converted at the current exchange rate, the Citizens & Northern share trades at 22.55 EUR (26.01 USD).
The Citizens & Northern share (CZNC) is listed on 1 stock exchanges, including: NASDAQ (CZNC).
Citizens & Northern Corp (C&N) is a bank holding company based in North Pennsylvania that was founded in 1864. C&N specializes in retail, business, wealth, and trust banking, offering a wide range of financial products and services to its customers, including deposit accounts, credit cards, loans, mortgages, investment products, and insurance. C&N's core business is personal and business banking, offering various types of accounts such as savings, checking, and special business accounts. They also offer investment accounts like money market and CD accounts with attractive interest rates. C&N provides various credit options, including credit cards, auto loans, mortgages, and personal loans. They have special programs to support small businesses in need of loans and other financial services. C&N is also involved in asset management, offering services such as stocks and bonds management, financial planning, investment funds, and trust services. They have dedicated wealth management teams to assist customers in achieving their financial goals. C&N has an insurance division that offers a wide range of insurance policies, including auto, home, boat, and life insurance. Customers can also select special insurance packages and programs tailored to their specific needs. C&N has a strong online and mobile banking system that allows customers to access their accounts and perform transactions from anywhere. This system is secure and user-friendly, providing maximum convenience for customers. The bank has a wide presence in North Pennsylvania and South New York with over 25 branches. Customers can also access a nationwide network of ATMs. C&N is a publicly traded company listed on NASDAQ under the ticker symbol CZNC. The company has a strong financial foundation with a current market capitalization of nearly $1 billion. It also has a strong management and leadership team and emphasizes good relationships with customers and shareholders. In summary, C&N is a bank holding company that offers a wide range of financial products and services, including retail, business, wealth, and trust banking. The bank also has an insurance division and a strong online and mobile banking platform. C&N has a wide presence in North Pennsylvania and South New York and is a publicly traded company on NASDAQ.
The expected revenue of Citizens & Northern is 146.90 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Citizens & Northern is 33.12 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Citizens & Northern is currently 13.88. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Citizens & Northern stock.
The price-to-sales ratio (P/S) of Citizens & Northern is currently 3.13. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Citizens & Northern stock.
The Eulerpool Quality Score for Citizens & Northern is 4/10.
The ISIN of Citizens & Northern is US1729221069. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Citizens & Northern is A0DPS7. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Citizens & Northern is CZNC. The ticker symbol is used to trade Citizens & Northern shares on the stock exchange.
Over the past 12 months, Citizens & Northern paid a dividend of 1.12 USD . This corresponds to a dividend yield of about 4.31 %. For the coming 12 months, Citizens & Northern is expected to pay a dividend of 1.13 USD.
The current dividend yield of Citizens & Northern is 4.31 %.
Citizens & Northern pays a dividend, distributed in the months of November, February, May, August.
Citizens & Northern paid dividends every year for the past 26 years.
For the upcoming 12 months, dividends amounting to 1.13 USD are expected. This corresponds to a dividend yield of 4.34 %.
Citizens & Northern is assigned to the 'Finance' sector.
To receive the latest dividend of Citizens & Northern from 8/14/2026 amounting to 0.28 USD, you needed to have the stock in your portfolio before the ex-date on 8/3/2026.
The last dividend was paid out on 8/14/2026.
In the year 2025, Citizens & Northern distributed 1.12 USD as dividends.
The dividends of Citizens & Northern are distributed in USD.
Citizens & Northern stock
Citizens & Northern Peer Group
Citizens & Northern Ticker
Citizens & Northern FIGI
All fundamentals and in-depth analysis of Citizens & Northern
Our stock analysis for Citizens & Northern stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens & Northern. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.