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CZNC

Citizens & Northern Corp

Jul 11 • 04:00PM ET

19.88

Dollar change -0.34
Percentage change -1.68	%

Financial • Banks - Regional • USA • NASD

Peers: FNB FCCO SFBC FFNW WSBF AUB CZFS MPB THFF MBWM

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

Scroll to Statements

Index	RUT	P/E	11.41	EPS (ttm)	1.74	Insider Own	4.95%	Shs Outstand	15.48M	Perf Week	-1.09%
Market Cap	308.03M	Forward P/E	9.94	EPS next Y	2.00	Insider Trans	0.51%	Shs Float	14.73M	Perf Month	4.30%
Enterprise Value	-	PEG	-	EPS next Q	0.47	Inst Own	33.99%	Short Float	1.65%	Perf Quarter	2.05%
Income	26.72M	P/S	1.94	EPS this Y	10.06%	Inst Trans	2.23%	Short Ratio	7.47	Perf Half Y	9.11%
Sales	159.05M	P/B	1.09	EPS next Y	7.53%	ROA	1.04%	Short Interest	0.24M	Perf YTD	6.88%
Book/sh	18.20	P/C	-	EPS next 5Y	-	ROE	9.83%	52W High	22.68 -12.35%	Perf Year	16.19%
Cash/sh	-	P/FCF	11.34	EPS past 3/5Y	-4.26% 2.98%	ROIC	6.04%	52W Low	17.25 15.25%	Perf 3Y	-17.58%
Dividend Est.	1.12 (5.63%)	EV/EBITDA	-	Sales past 3/5Y	12.53% 13.34%	Gross Margin	-	Volatility	2.03% 2.42%	Perf 5Y	4.41%
Dividend TTM	1.12 (5.63%)	EV/Sales	-	EPS Y/Y TTM	15.00%	Oper. Margin	20.78%	ATR (14)	0.45	Perf 10Y	-2.64%
Dividend Ex-Date	May 02, 2025	Quick Ratio	-	Sales Y/Y TTM	1.17%	Profit Margin	16.80%	RSI (14)	58.61	Recom	3.00
Dividend Gr. 3/5Y	0.30% 0.73%	Current Ratio	0.24	EPS Q/Q	17.70%	SMA20	3.55%	Beta	0.55	Target Price	22.00
Payout	66.39%	Debt/Eq	0.69	Sales Q/Q	4.62%	SMA50	4.26%	Rel Volume	0.68	Prev Close	20.22
Employees	386	LT Debt/Eq	0.57	Earnings	Apr 23 AMC	SMA200	1.20%	Avg Volume	32.42K	Price	19.88
IPO	Apr 05, 1994	Option/Short	Yes / Yes	EPS/Sales Surpr.	-6.82% -3.44%	Trades		Volume	22,008	Change	-1.68%

Date	Action	Analyst	Rating Change	Price Target Change
Jun-27-23	Initiated	Janney	Neutral	$21
Nov-17-22	Resumed	Piper Sandler	Neutral	$26
Sep-28-20	Upgrade	Piper Sandler	Neutral → Overweight	$21 → $20
Jul-01-20	Resumed	Piper Sandler	Neutral	$21

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)
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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)
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)
10:02AM	Loading…
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)
08:05PM	Loading…
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)
Mar-11-21 07:57AM	5 Profitable Stocks to Boost Returns Using Net Income Ratio (Zacks)
Jan-27-21 10:44AM	Top Ranked Income Stocks to Buy for January 27th (Zacks)
Jan-24-21 11:27PM	Do These 3 Checks Before Buying Citizens & Northern Corporation (NASDAQ:CZNC) For Its Upcoming Dividend (Simply Wall St.)
Jan-04-21 07:33AM	Moving Average Crossover Alert: Citizens & Northern Corp (CZNC) (Zacks)
Dec-21-20 08:37AM	Is Citizens & Northern (CZNC) Stock a Solid Choice Right Now? (Zacks)
Dec-07-20 11:39AM	Insider Buys Citizens & Northern's Stock (Benzinga)
Nov-29-20 07:40PM	Is Citizens & Northern Corporation (CZNC) A Good Stock To Buy Now? (Insider Monkey)
Nov-03-20 12:05PM	Insider Buys Citizens & Northern Shares (Benzinga)
Oct-26-20 06:20AM	Do These 3 Checks Before Buying Citizens & Northern Corporation (NASDAQ:CZNC) For Its Upcoming Dividend (Simply Wall St.)
Oct-06-20 11:15AM	Insider Buys Citizens & Northern's Shares (Benzinga)
Sep-08-20 11:35AM	Insider Buys Citizens & Northern's Stock (Benzinga)
Jul-22-20 11:36AM	Insider Buys Citizens & Northern's Shares (Benzinga)
Jul-20-20 06:11AM	Income Investors Should Know That Citizens & Northern Corporation (NASDAQ:CZNC) Goes Ex-Dividend Soon (Simply Wall St.)
Jun-18-20 10:39AM	Insider Buys Citizens & Northern's Stock (Benzinga)
Apr-27-20 07:23AM	Is Citizens & Northern Corporation (NASDAQ:CZNC) A Great Dividend Stock? (Simply Wall St.)
Jan-20-20 04:50AM	Interested In Citizens & Northern Corporation (NASDAQ:CZNC)s Upcoming 1.0% Dividend? You Have 3 Days Left (Simply Wall St.)
Dec-19-19 11:26AM	Central Pa.'s Citizens & Northern agrees to buy another Bucks County bank for $77M (American City Business Journals)
Dec-15-19 08:43AM	Don't Sell Citizens & Northern Corporation (NASDAQ:CZNC) Before You Read This (Simply Wall St.)
Nov-27-19 04:53PM	Here is What Hedge Funds Think About Citizens & Northern Corporation (CZNC) (Insider Monkey)
Oct-31-19 11:13AM	What Kind Of Shareholders Own Citizens & Northern Corporation (NASDAQ:CZNC)? (Simply Wall St.)
Sep-25-19 01:29PM	Did You Miss Citizens & Northern's (NASDAQ:CZNC) 36% Share Price Gain? (Simply Wall St.)

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.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Pellegrino Frank G	Director	Jul 07 '25	Buy	19.99	203	4,058	44,826	Jul 08 02:29 PM
Shattuck Katherine W	Director	Jul 07 '25	Buy	19.99	19	380	9,348	Jul 08 02:27 PM
Shattuck Katherine W	Director	Jun 06 '25	Buy	18.60	20	372	9,329	Jun 09 02:06 PM
Pellegrino Frank G	Director	Jun 06 '25	Buy	18.60	218	4,054	44,623	Jun 09 02:04 PM
LAMBERT LEO F	Director	May 06 '25	Buy	18.87	631	11,910	43,835	May 20 04:31 PM
Pellegrino Frank G	Director	May 02 '25	Buy	19.17	331	6,345	43,804	May 05 04:17 PM
Shattuck Katherine W	Director	May 02 '25	Buy	19.17	28	537	9,197	May 05 04:13 PM
Lehman Terry L	Director	Apr 29 '25	Buy	18.70	1,400	26,187	28,237	Apr 29 02:54 PM
Pellegrino Frank G	Director	Apr 04 '25	Buy	18.49	289	5,344	42,203	Apr 07 02:10 PM
Shattuck Katherine W	Director	Apr 04 '25	Buy	18.49	120	2,219	7,899	Apr 07 02:09 PM
Pellegrino Frank G	Director	Mar 07 '25	Buy	20.15	232	4,674	41,914	Mar 10 11:04 AM
Shattuck Katherine W	Director	Mar 07 '25	Buy	20.15	107	2,156	7,779	Mar 10 11:04 AM
Pellegrino Frank G	Director	Feb 07 '25	Buy	21.24	191	4,057	41,151	Feb 10 02:33 PM
Shattuck Katherine W	Director	Feb 07 '25	Buy	21.24	88	1,869	7,575	Feb 10 02:33 PM
Pellegrino Frank G	Director	Jan 03 '25	Buy	18.31	254	4,651	40,960	Jan 06 01:15 PM
Shattuck Katherine W	Director	Jan 03 '25	Buy	18.31	102	1,868	7,820	Jan 06 01:14 PM
Pellegrino Frank G	Director	Dec 06 '24	Buy	20.46	228	4,665	40,706	Dec 09 10:22 AM
Shattuck Katherine W	Director	Dec 06 '24	Buy	20.46	91	1,862	7,718	Dec 09 10:21 AM
Dorwart Stephen M	Director	Oct 16 '24	Sale	19.79	4	79	11,652	Nov 15 11:36 AM
Pellegrino Frank G	Director	Nov 08 '24	Buy	20.58	197	4,054	39,947	Nov 12 09:36 AM
Shattuck Katherine W	Director	Nov 08 '24	Buy	20.58	90	1,852	7,539	Nov 12 09:36 AM
Pellegrino Frank G	Director	Sep 06 '24	Buy	19.15	212	4,060	39,534	Sep 10 02:52 PM
Shattuck Katherine W	Director	Sep 06 '24	Buy	19.15	97	1,858	7,349	Sep 10 02:46 PM
Pellegrino Frank G	Director	Aug 02 '24	Buy	18.35	221	4,055	38,757	Aug 05 02:37 PM
Shattuck Katherine W	Director	Aug 02 '24	Buy	18.35	101	1,853	7,161	Aug 05 02:35 PM

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CZNC

Citizens & Northern Corp

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