CZNC Citizens & Northern Corporation

QT69

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

28.03

+0.21+0.75%

Overview Short InterestFilings

CZNCQT69Citizens & Northern Corporation·NASDAQ

Overview Short InterestFilings

28.03+0.75%

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Signal & projected range

Earnings big beat — drift (PEAD)Historical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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Snapshot

Index	—	P/E	14.16	EPS (ttm)	1.98	Insider Own	4.29%	Shs Outstand	17.93M	Perf Week	1.01%

Market Cap	502.71M	Forward P/E	10.19	EPS next Y	2.75	Insider Trans	-0.17%	Shs Float	16.98M	Perf Month	11.27%

Enterprise Value	76.71M	PEG	—	EPS next Q	0.68			Short Float	1.93%	Perf Quarter	10.79%

Income	34.00M	P/S	2.86	EPS this Y	15.12%			Short Ratio	5.21	Perf Half Y	24.69%

Sales	176.00M	P/B	1.47	EPS next Y	26.73%	ROA	1.11%	Short Interest	327.51K	Perf YTD	38.97%

Book/sh	19.12	P/C	0.85	EPS next 5Y	—	ROE	10.27%	52W High	28.49 -1.61%	Perf Year	45.69%

Cash/sh	32.90	P/FCF	11.17	EPS past 3/5Y	-5.13% 2.51%	ROIC	3.84%	52W Low	18.87 48.54%	Perf 3Y	57.38%

Dividend Est.	1.20 (4.28%)	EV/EBITDA	1.97	Sales past 3/5Y	10.22% 9.02%	Gross Margin	57.49%	Volatility	2.31% 2.38%	Perf 5Y	9.41%

Dividend TTM	1.12 (4.00%)	EV/Sales	0.44	EPS Y/Y TTM	12.24%	Oper. Margin	14.69%	ATR (14)	0.63	Perf 10Y	28.28%

Dividend Ex-Date	Nov 02, 2026	Quick Ratio	0.23	Sales Y/Y TTM	10.69%	Profit Margin	19.98%	RSI (14)	71.01	Recom	3.00

Dividend Gr. 3/5Y	0.00% 0.73%	Current Ratio	0.23	EPS Q/Q	95.74%	SMA20	7.14%	Beta	0.39	Target Price	23.50

Payout	50.21%	Debt/Eq	0.48	Sales Q/Q	30.00%	SMA50	8.35%	Rel Volume	0.92	Prev Close	27.82

Employees	460	LT Debt/Eq	0.46	Earnings	Jan 21	SMA200	18.94%	Avg Volume	62.98K	Price	28.03

IPO Date	Apr 05, 1994	Option/Short	Yes / Yes	EPS/Sales Surpr.	35.29% -6.43%	Net Debt/EBITDA	-10.92	Volume	58,230	Change	0.75%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jan-29-26	Reiterated	Piper Sandler	Neutral	$22 → $24
Oct-24-25	Reiterated	Piper Sandler	Neutral	$22
Sep-28-20	Upgrade	Piper Sandler	Neutral → Overweight

Latest News· Times ET

Oct-30-26

Oct-30-2601:01PM

Citizens & Northern (CZNC) Upgraded to Buy: What Does It Mean for the Stock?zacks.com

Oct-23-26

Oct-23-2610:08PM

Citizens & Northern (CZNC) Stock Climbs On Q3 Earnings MomentumYahoo

Oct-12-26

Oct-12-2601:59AM

Citizens & Northern (NASDAQ:CZNC) and Grupo Supervielle (NYSE:SUPV) Head to Head Surveydefenseworld.net

Sep-07-26

Sep-07-2604:21AM

Bank of New York Mellon Corp Invests $2.86 Million in Citizens & Northern Corp $CZNCdefenseworld.net

Aug-07-26

Aug-07-2602:06PM

Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimateszacks.com

Jul-23-26

Jul-23-2605:25PM

Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue EstimatesYahoo

Company

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	176	154	155	136	—	—	—	—	—
Cost of Goods Sold Incl. D&A	75	53	51	33	—	—	—	—	—
Gross Profit	101	101	104	103	—	—	—	—	—
Selling, General and Administrative Excl. Other	61	53	45	44	—	—	—	—	—
Research and Development	0	0	0	0	—	—	—	—	—
Other Operating Expense	14	19	27	28	—	—	—	—	—
Operating Income	25	29	32	30	—	—	—	—	—
Interest Expense	49	47	49	33	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	67	47	49	33	—	—	—	—	—
Net Income Before Taxes	42	29	32	30	—	—	—	—	—
Income Taxes	8	5	6	6	—	—	—	—	—
Consolidated Net Income	34	23	26	24	—	—	—	—	—
Net Income From Continuing Operations	34	23	26	24	—	—	—	—	—
Net Income	34	23	26	24	—	—	—	—	—
EPS (Recurring)	1.98	1.46	1.69	1.57	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	1.98	1.46	1.69	1.57	—	—	—	—	—
EPS (Diluted)	1.98	1.46	1.69	1.57	—	—	—	—	—
EBITDA	39	31	34	33	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	14.16	13.82	11.01	14.29	—	—	—	—	—
Price To Sales Ratio	2.87	2.10	1.80	2.47	—	—	—	—	—
Gross Margin	57.39	65.58	67.10	75.74	—	—	—	—	—
Operating Margin	14.20	18.83	20.65	22.06	—	—	—	—	—
Net Margin	19.32	14.94	16.77	17.65	—	—	—	—	—
Shares Outstanding	18	16	15	15	—	—	—	—	—
Market Capitalization	505	323	279	336	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	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
Pellegrino Frank G	Director	Oct 02 '26	Buy	25.51	245	6,250	52,070	Oct 05
Pellegrino Frank G	Director	Sep 04 '26	Buy	26.17	178	4,658	51,825	Sep 08
Shattuck Katherine W	Director	Sep 04 '26	Buy	26.17	8	209	10,711	Sep 08
Trate Christian C	Director	Aug 03 '26	Sale	25.21	1,120	28,236	4,798	Aug 25
Pellegrino Frank G	Director	Aug 07 '26	Buy	25.21	208	5,245	51,108	Aug 10
Shattuck Katherine W	Director	Aug 07 '26	Buy	25.21	8	202	10,601	Aug 10
Dorwart Stephen M	Director	Jul 31 '26	Sale	25.37	2,278	57,797	4,270	Aug 03
Shattuck Katherine W	Director	Jul 08 '26	Buy	23.02	9	207	10,593	Jul 10
Pellegrino Frank G	Director	Jul 08 '26	Buy	23.02	198	4,559	50,900	Jul 10
Shattuck Katherine W	Director	Jun 05 '26	Buy	21.44	10	214	10,584	Jun 08
Pellegrino Frank G	Director	Jun 05 '26	Buy	21.44	190	4,074	50,702	Jun 08
Trate Christian C	Director	May 28 '26	Sale	21.10	229	4,832	5,358	May 28
Lehman Terry L	Director	May 13 '26	Buy	20.83	1,000	20,828	30,317	May 13
Pellegrino Frank G	Director	May 08 '26	Buy	21.75	237	5,154	49,859	May 11

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.