CZNC

Citizens & Northern Corp

28.03

Nov 03 • 12:28 PM ET -0.43 (-1.53%)

Financial Banks - Regional USA Small NASD

Peers: CZFS PFIS CHMG NWFL FDBC ACNB CCNE MPB AROW FRAF

| Held by: VTI IWM DFAT VXF IWN DFAS VTWO DFAC DFSV IWC

Index	RUT
Market Cap	503.24M
Enterprise Value	-
Income	35.05M
Sales	201.57M
Book/sh	19.13
Cash/sh	-
Dividend Est.	-
Dividend TTM	1.14 (4.07%)
Dividend Ex-Date	Nov 02, 2026
Dividend Gr. 3/5Y	0.00% 0.73%
Payout	76.85%
Employees	460
IPO	Apr 05, 1994

P/E	14.21
Forward P/E	10.19
PEG	-
P/S	2.50
P/B	1.47
P/C	-
P/FCF	12.06
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.07
Debt/Eq	0.48
LT Debt/Eq	0.46
Option/Short	Yes / Yes

EPS (ttm)	1.97
EPS next Y	2.75
EPS next Q	0.72
EPS this Y	31.89%
EPS next Y	12.70%
EPS next 5Y	-
EPS past 3/5Y	-5.13% 2.38%
Sales past 3/5Y	13.25% 10.83%
EPS Y/Y TTM	12.79%
Sales Y/Y TTM	25.09%
EPS Q/Q	116.87%
Sales Q/Q	26.09%
Earnings	Oct 22 AMC
EPS/Sales Surpr.	35.29% -6.43%

Insider Own	5.34%
Insider Trans	-0.08%
Inst Own	33.38%
Inst Trans	2.81%
ROA	1.21%
ROE	11.00%
ROIC	6.98%
Gross Margin	-
Oper. Margin	25.03%
Profit Margin	17.39%
SMA20	6.03%
SMA50	7.98%
SMA200	18.62%
Trades

Shs Outstand	17.95M
Shs Float	16.99M
Short Float	1.93%
Short Ratio	5.20
Short Interest	0.33M
52W High	28.53 -1.74%
52W Low	18.87 48.57%
Volatility	2.69% 2.47%
ATR (14)	0.66
RSI (14)	66.83
Beta	0.38
Rel Volume	0.29
Avg Volume	63.03K
Volume	8,836

Perf Week	0.70%
Perf Month	9.94%
Perf Quarter	11.07%
Perf Half Y	28.96%
Perf YTD	38.99%
Perf Year	47.09%
Perf 3Y	46.47%
Perf 5Y	4.49%
Perf 10Y	34.15%
Recom	3.00
Target Price	29.00
Prev Close	28.47
Price	28.03
Change %	-1.53%

Consensus

Hold

Avg. Price Target

$29.00

Implied Upside

+3.4%

Analysts2incl. previous ratings

Rating Distribution0 Buy · 2 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jun 27, 2023	Initiated	JJanney	Neutral	$21	-25.1%
Nov 17, 2022	Resumed	PPiper Sandler	Neutral	$26	-7.3%
Sep 28, 2020	Upgrade	PPiper Sandler	Neutral → Overweight	$21 → $20	-28.7%
Jul 01, 2020	Resumed	PPiper Sandler	Neutral	$21	-25.1%

Aug-07-26 12:03PM	Citizens & Northern: Q2 Earnings Snapshot (Associated Press)
Aug-03-26 07:21AM	Citizens & Northern Corp's Dividend Analysis (GuruFocus.com)
Mar-02-26 06:58AM	Best Income Stocks to Buy for March 2nd (Zacks)
Feb-06-26 05:41AM	Best Income Stocks to Buy for February 6th (Zacks)
Jan-27-26 05:50PM	Orrstown Financial Services (ORRF) Q4 Earnings and Revenues Beat Estimates (Zacks)
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Jan-15-26 10:00AM	Citizens & Northern (CZNC) Earnings Expected to Grow: What to Know Ahead of Q4 Release (Zacks)
Oct-23-25 04:55PM	Citizens & Northern: Q3 Earnings Snapshot (Associated Press Finance)
Oct-13-25 10:00AM	Earnings Preview: Washington Trust Bancorp (WASH) Q3 Earnings Expected to Decline (Zacks)
Oct-09-25 10:00AM	Citizens & Northern (CZNC) Earnings Expected to Grow: Should You Buy? (Zacks)
Sep-15-25 08:06AM	Best Income Stocks to Buy for September 15th (Zacks)
Sep-05-25 09:03AM	Best Income Stocks to Buy for September 5th (Zacks)
Aug-25-25 08:56AM	Citizens & Northern (CZNC) Moves 5.2% Higher: Will This Strength Last? (Zacks)
Aug-15-25 08:39AM	Best Income Stocks to Buy for August 15th (Zacks)
Aug-13-25 04:57AM	Pathward Financial (CASH) Surpasses Q3 Earnings and Revenue Estimates (Revised) (Zacks)
Aug-08-25 01:30PM	Citizens & Northern (CZNC) Misses Q2 Earnings Estimates (Zacks)
12:26PM	Loading…
12:26PM	Citizens & Northern: Q2 Earnings Snapshot (Associated Press Finance)
Jul-30-25 05:45PM	Orange County Bancorp, Inc. (OBT) Surpasses Q2 Earnings and Revenue Estimates (Zacks)
Jul-29-25 09:20AM	Camden National (CAC) Lags Q2 Earnings Estimates (Zacks)
Jul-28-25 05:50PM	Pathward Financial (CASH) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
Jul-24-25 08:15AM	Valley National (VLY) Beats Q2 Earnings and Revenue Estimates (Zacks)
Jul-21-25 05:15PM	Washington Trust Bancorp (WASH) Q2 Earnings and Revenues Top Estimates (Zacks)
May-13-25 07:45AM	Citizens & Northern to acquire Susquehanna Community Financial (Retail Banker International)
May-12-25 09:01AM	Citizens & Northern Corporation Announces Acquisition of Susquehanna Community Financial, Inc. (GlobeNewswire)
Apr-25-25 04:22PM	KBRA Comments on Citizens & Northern Corporation's Proposed Acquisition of Susquehanna Community Financial, Inc. (Business Wire)
Apr-23-25 05:10PM	Citizens & Northern (CZNC) Lags Q1 Earnings and Revenue Estimates (Zacks)
04:17PM	Citizens & Northern: Q1 Earnings Snapshot (Associated Press Finance)
Feb-07-25 10:34AM	Why Citizens & Northern Corp (CZNC) is Skyrocketing So Far In 2025 (Insider Monkey)
Jan-23-25 08:10PM	Citizens & Northern (CZNC) Surpasses Q4 Earnings and Revenue Estimates (Zacks) +7.58%
07:07PM	Citizens & Northern: Q4 Earnings Snapshot (Associated Press Finance)
Nov-12-24 11:59AM	Is the Options Market Predicting a Spike in Citizens & Northern (CZNC) Stock? (Zacks)
09:39AM	Loading…
Oct-25-24 09:39AM	C&N Boosts Efficiency for Businesses with Clover (PR Newswire)
Oct-18-24 11:27AM	C&N Teammates are 'Standing Strong Against Cancer' (PR Newswire)
Oct-17-24 05:25PM	Citizens & Northern (CZNC) Q3 Earnings and Revenues Lag Estimates (Zacks)
04:22PM	Citizens & Northern: Q3 Earnings Snapshot (Associated Press Finance)
Jul-22-24 08:35AM	How to Protect Your Money in a Digital World (PR Newswire)
Jul-12-24 07:52AM	Citizens & Northern (CZNC) Surges 6.3%: Is This an Indication of Further Gains? (Zacks)
Jun-21-24 10:02AM	C&N Teams Raise Over $98,000 for Local Senior Citizens (PR Newswire)
May-15-24 08:50AM	10 Best Financial Dividend Stocks Insiders are Buying in 2024 (Insider Monkey)
May-11-24 12:27PM	10 Dividend Stocks Insiders are Buying in May (Insider Monkey)
May-07-24 10:56PM	CZNC Stock Earnings: Citizens & Northern Beats EPS, Misses Revenue for Q1 2024 (InvestorPlace)
03:15PM	Citizens & Northern: Q1 Earnings Snapshot (Associated Press Finance)
Mar-15-24 09:52PM	CZNC Stock Earnings: Citizens & Northern Misses EPS, Misses Revenue for Q4 2023 (InvestorPlace)
Mar-11-24 08:35PM	Citizens & Northern (CZNC) Q4 Earnings and Revenues Lag Estimates (Zacks)
Jan-25-24 05:10AM	Citizens & Northern Corp's Dividend Analysis (GuruFocus.com) +5.30%
Jan-18-24 10:00AM	Analysts Estimate Citizens & Northern (CZNC) to Report a Decline in Earnings: What to Look Out for (Zacks)
Nov-27-23 06:00AM	Unlocking Financial Freedom: The Power of Flex CDs in Today's Economy (PR Newswire)
Nov-07-23 11:33AM	Citizens & Northern: Q3 Earnings Snapshot (Associated Press Finance)
Oct-30-23 10:00AM	Citizens & Northern (CZNC) to Report Q3 Results: Wall Street Expects Earnings Growth (Zacks)
Oct-27-23 05:02AM	Strength Seen in SB Financial Group, Inc. (SBFG): Can Its 6.0% Jump Turn into More Strength? (Zacks)
Oct-26-23 08:15AM	First Mid Bancshares (FMBH) Q3 Earnings and Revenues Surpass Estimates (Zacks)
Sep-20-23 10:00AM	Q2 and Citizens & Northern Bank Win 2023 IDC FinTech Rankings Real Results Award (Business Wire)
Aug-08-23 08:05PM	UMH Properties (UMH) Q2 FFO and Revenues Top Estimates (Zacks)
Jul-18-23 10:01AM	Analysts Estimate Sandy Spring Bancorp (SASR) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jul-15-23 08:33AM	The past five years for Citizens & Northern (NASDAQ:CZNC) investors has not been profitable (Simply Wall St.)
Jul-13-23 10:00AM	Earnings Preview: Citizens & Northern (CZNC) Q2 Earnings Expected to Decline (Zacks)
Apr-28-23 10:15AM	Tompkins Financial (TMP) Tops Q1 Earnings Estimates (Zacks)
Apr-25-23 06:24AM	Citizens & Northern (NASDAQ:CZNC) Is Paying Out A Dividend Of $0.28 (Simply Wall St.)
Apr-11-23 08:55AM	LPL Financial Welcomes C&N Wealth Management to Its Institution Services Platform (GlobeNewswire)
Feb-01-23 05:28AM	Citizens & Northern's (NASDAQ:CZNC) Dividend Will Be $0.28 (Simply Wall St.)
Jan-30-23 08:46AM	Citizens & Northern (NASDAQ:CZNC) shareholders have earned a 1.0% CAGR over the last three years (Simply Wall St.)
Jan-21-23 06:16PM	12 52-Week Low Dividend Stocks To Consider (Insider Monkey)
Nov-10-22 06:33AM	Citizens & Northern Third Quarter 2022 Earnings: EPS: US$0.29 (vs US$0.47 in 3Q 2021) (Simply Wall St.)
Oct-25-22 06:37AM	Citizens & Northern (NASDAQ:CZNC) Will Pay A Dividend Of $0.28 (Simply Wall St.)
Aug-02-22 07:56AM	Here's Why Citizens & Northern (NASDAQ:CZNC) Has Caught The Eye Of Investors (Simply Wall St.)
May-02-22 10:15AM	Bogota Financial Corporation (BSBK) Q1 Earnings and Revenues Beat Estimates (Zacks)
Apr-29-22 10:25AM	Tompkins Financial (TMP) Q1 Earnings and Revenues Beat Estimates (Zacks)
Apr-28-22 05:15PM	CBTX (CBTX) Q1 Earnings and Revenues Surpass Estimates (Zacks)
Apr-25-22 06:12AM	Citizens & Northern (NASDAQ:CZNC) Has Affirmed Its Dividend Of US$0.28 (Simply Wall St.)
Apr-19-22 05:25PM	Orrstown Financial Services (ORRF) Beats Q1 Earnings and Revenue Estimates (Zacks)
Feb-14-22 05:55PM	Farmers & Merchants Bancorp Inc. (FMAO) Q4 Earnings and Revenues Beat Estimates (Zacks)
Feb-07-22 10:15AM	CF Bankshares Inc. (CFBK) Q4 Earnings and Revenues Lag Estimates (Zacks)
Feb-04-22 06:22AM	Mid Penn Bancorp (MPB) Misses Q4 Earnings Estimates (Zacks)
Jan-31-22 04:55PM	Meridian Bank (MRBK) Q4 Earnings Surpass Estimates (Zacks)
Jan-27-22 05:38PM	Kathmere Capital Management, LLC Buys Amplify BlackSwan ISWN ETF, Pacer Trendpilot ... (GuruFocus.com)
Jan-25-22 08:50AM	Citizens & Northern (CZNC) Is a Great Choice for "Trend" Investors, Here's Why (Zacks)
Jan-23-22 07:55AM	I Ran A Stock Scan For Earnings Growth And Citizens & Northern (NASDAQ:CZNC) Passed With Ease (Simply Wall St.)
Jan-13-22 03:00PM	Analysts Estimate Citizens & Northern (CZNC) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jan-06-22 08:50AM	Here's What Could Help Citizens & Northern (CZNC) Maintain Its Recent Price Strength (Zacks)
Nov-24-21 08:50AM	Here's What Could Help Citizens & Northern (CZNC) Maintain Its Recent Price Strength (Zacks)
Nov-04-21 09:24AM	Best Income Stocks to Buy for November 4th (Zacks)
Oct-29-21 03:00PM	Earnings Preview: Citizens & Northern (CZNC) Q3 Earnings Expected to Decline (Zacks)
Oct-26-21 08:50AM	What Makes Citizens & Northern (CZNC) a Good Fit for "Trend Investing" (Zacks)
Oct-25-21 06:38AM	Is It Worth Considering Citizens & Northern Corporation (NASDAQ:CZNC) For Its Upcoming Dividend? (Simply Wall St.)
Oct-23-21 08:56AM	Investors in Citizens & Northern (NASDAQ:CZNC) have made a respectable return of 51% over the past year (Simply Wall St.)
Aug-17-21 10:02AM	10 Financial Services Dividend Stocks with Over 4% Yield (Insider Monkey)
Jul-29-21 03:04PM	Citizens & Northern (CZNC) Earnings Expected to Grow: What to Know Ahead of Q2 Release (Zacks)
09:43AM	Top Ranked Income Stocks to Buy for July 29th (Zacks)
Jul-27-21 08:50AM	What Makes Citizens & Northern (CZNC) a Good Fit for "Trend Investing" (Zacks)
Jul-25-21 04:05AM	Does Citizens & Northern (NASDAQ:CZNC) Deserve A Spot On Your Watchlist? (Simply Wall St.)
Jun-13-21 02:21PM	Hedge Funds Arent Crazy About Citizens & Northern Corporation (CZNC) Anymore (Insider Monkey)
May-17-21 10:07AM	Citizens & Northern (CZNC) Is a Great Choice for "Trend" Investors, Here's Why (Zacks)
Apr-28-21 09:57AM	Top Ranked Income Stocks to Buy for April 28th (Zacks)
Apr-26-21 01:19AM	Only Three Days Left To Cash In On Citizens & Northern's (NASDAQ:CZNC) Dividend (Simply Wall St.)
Apr-23-21 11:19AM	Top Ranked Income Stocks to Buy for April 23rd (Zacks)
Apr-22-21 11:27AM	Citizens & Northern (CZNC) is on the Move, Here's Why the Trend Could be Sustainable (Zacks)
Apr-21-21 11:10AM	Top Ranked Income Stocks to Buy for April 21st (Zacks)
Apr-17-21 03:45AM	Most Shareholders Will Probably Agree With Citizens & Northern Corporation's (NASDAQ:CZNC) CEO Compensation (Simply Wall St.)
Mar-31-21 08:48AM	Why Citizens & Northern (CZNC) Stock Might be a Great Pick (Zacks)
Mar-22-21 11:18AM	Top Ranked Income Stocks to Buy for March 22nd (Zacks)
05:52AM	Citizens & Northern (CZNC) Moves 6.7% Higher: Will This Strength Last? (Zacks)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Shattuck Katherine W	Director	Oct 02 '26	Buy	25.51	8	204	10,719	Oct 05 02:07 PM
Pellegrino Frank G	Director	Oct 02 '26	Buy	25.51	245	6,250	52,070	Oct 05 02:03 PM
Pellegrino Frank G	Director	Sep 04 '26	Buy	26.17	178	4,658	51,825	Sep 08 12:27 PM
Shattuck Katherine W	Director	Sep 04 '26	Buy	26.17	8	209	10,711	Sep 08 12:23 PM
Pellegrino Frank G	Director	Aug 07 '26	Buy	25.21	208	5,245	51,108	Aug 10 03:03 PM
Shattuck Katherine W	Director	Aug 07 '26	Buy	25.21	8	202	10,601	Aug 10 03:00 PM
Trate Christian C	Director	Aug 03 '26	Sale	25.21	560	14,118	4,798	Aug 04 03:11 PM
Dorwart Stephen M	Director	Jul 31 '26	Sale	25.37	2,278	57,797	4,270	Aug 03 02:54 PM
Shattuck Katherine W	Director	Jul 08 '26	Buy	23.02	9	207	10,593	Jul 10 08:50 AM
Pellegrino Frank G	Director	Jul 08 '26	Buy	23.02	198	4,559	50,900	Jul 10 08:49 AM
Shattuck Katherine W	Director	Jun 05 '26	Buy	21.44	10	214	10,584	Jun 08 11:48 AM
Pellegrino Frank G	Director	Jun 05 '26	Buy	21.44	190	4,074	50,702	Jun 08 11:46 AM
Trate Christian C	Director	May 28 '26	Sale	21.10	229	4,832	5,358	May 28 03:34 PM
Lehman Terry L	Director	May 13 '26	Buy	20.83	1,000	20,828	30,317	May 13 01:49 PM
Shattuck Katherine W	Director	May 08 '26	Buy	21.75	10	217	10,449	May 11 02:31 PM
Pellegrino Frank G	Director	May 08 '26	Buy	21.75	237	5,154	49,859	May 11 02:29 PM
Pellegrino Frank G	Director	Apr 06 '26	Buy	22.55	180	4,058	48,542	Apr 07 12:25 PM
Shattuck Katherine W	Director	Apr 06 '26	Buy	22.55	20	451	9,359	Apr 07 12:19 PM
Shattuck Katherine W	Director	Mar 06 '26	Buy	21.95	21	461	9,339	Mar 09 12:24 PM
Pellegrino Frank G	Director	Mar 06 '26	Buy	21.95	185	4,062	48,362	Mar 09 12:22 PM
Shattuck Katherine W	Director	Feb 10 '26	Buy	23.22	16	372	9,224	Feb 11 03:12 PM
Pellegrino Frank G	Director	Feb 10 '26	Buy	23.22	175	4,064	47,629	Feb 11 02:54 PM
Pellegrino Frank G	Director	Jan 09 '26	Buy	20.38	200	4,075	47,454	Jan 12 04:10 PM
Shattuck Katherine W	Director	Jan 09 '26	Buy	20.38	19	387	9,208	Jan 12 04:08 PM
Pellegrino Frank G	Director	Dec 05 '25	Buy	20.37	316	6,436	47,254	Dec 08 03:05 PM
Shattuck Katherine W	Director	Dec 05 '25	Buy	20.37	29	591	9,689	Dec 08 03:02 PM
Pellegrino Frank G	Director	Nov 07 '25	Buy	19.14	212	4,057	46,292	Nov 10 02:37 PM
Shattuck Katherine W	Director	Nov 07 '25	Buy	19.14	20	383	9,541	Nov 10 02:33 PM

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

PresidentMr. J. Bradley Scovill

TreasurerMr. Mark A. Hughes

CIMAMr. Philip Prough CFP

Executive VP and Chief Digital Channels & Payments OfficerMs. Shelley L. D'Haene

SVP & Regional Commercial Lending ExecutiveMr. Ryan J. Satalin

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CZNC

Citizens & Northern Corp

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