CZNC — Citizens & Northern Corporation stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

25.30

-0.09-0.35%

Overview Short InterestFilings

CZNCQT64Citizens & Northern Corporation·NASDAQ

Overview Short InterestFilings

25.30-0.35%

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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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TFIN+0.92%$76.63 TCBK+0.87%$58.04 CASH+2.84%$90.75 STBA+0.44%$52.38 GABC+0.43%$51.10 NBHC+0.00%$43.19 LOB+2.24%$43.76 STEL+0.03%$39.32

Snapshot

Index	-	P/E	37.90	EPS (ttm)	0.67	Insider Own	4.28%	Shs Outstand	17.92M	Perf Week	4.27%

Market Cap	454.90M	Forward P/E	9.40	EPS next Y	2.70	Insider Trans	0.26%	Shs Float	16.96M	Perf Month	5.62%

Enterprise Value	542.40M	PEG	-	EPS next Q	0.66	Inst Own	-	Short Float	1.96%	Perf Quarter	14.99%

Income	25.70M	P/S	2.77	EPS this Y	33.11%	Inst Trans	-	Short Ratio	6.13	Perf Half Y	13.70%

Sales	164.34M	P/B	1.30	EPS next Y	37.06%	ROA	0.80%	Short Interest	333.20K	Perf YTD	25.88%

Book/sh	-	P/C	11.48	EPS next 5Y	37.06%	ROE	7.70%	52W High	25.75 -1.74%	Perf Year	34.48%

Cash/sh	-	P/FCF	12.12	EPS past 3/5Y	-5.13% 2.51%	ROIC	0.35%	52W Low	18.10 39.81%	Perf 3Y	17.71%

Dividend Est.	1.12 (4.43%)	EV/EBITDA	37.01	Sales past 3/5Y	10.22% 9.02%	Gross Margin	51.76%	Volatility	2.83% 2.86%	Perf 5Y	1.85%

Dividend TTM	1.12 (4.43%)	EV/Sales	3.30	EPS Y/Y TTM	-12.43%	Oper. Margin	8.16%	ATR (14)	0.70	Perf 10Y	22.78%

Dividend Ex-Date	Aug 03, 2026	Quick Ratio	40.31	Sales Y/Y TTM	-0.65%	Profit Margin	15.42%	RSI (14)	72.44	Recom	3.00

Dividend Gr. 3/5Y	0.00% 0.73%	Current Ratio	40.31	EPS Q/Q	97.50%	SMA20	7.02%	Beta	0.38	Target Price	23.50

Payout	66.90%	Debt/Eq	0.49	Sales Q/Q	-2.50%	SMA50	12.51%	Rel Volume	1.17	Prev Close	25.39

Employees	460	LT Debt/Eq	0.44	Earnings	Oct 22	SMA200	16.88%	Avg Volume	62.46K	Price	25.30

IPO Date	Apr 05, 1994	Option/Short	Yes / Yes	EPS/Sales Surpr.	25.40% 7.99%	Net Debt/EBITDA	5.97	Volume	73,117	Change	-0.35%

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

Jul-23-26

Jul-23-2609:25PM

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	154	154	155	136	115	109	100	83	70
Cost of Goods Sold Incl. D&A	54	53	51	33	17	10	14	11	5
Gross Profit	102	101	104	103	99	99	87	72	64
Selling, General and Administrative Excl. Other	49	53	45	44	42	38	33	28	24
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	24	19	27	28	24	23	31	20	14
Operating Income	29	29	32	30	32	38	23	23	26
Interest Expense	47	47	49	33	10	7	10	10	5
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	47	47	49	33	10	7	10	10	5
Net Income Before Taxes	29	29	32	30	32	38	23	23	26
Income Taxes	4	5	6	6	6	7	4	4	4
Consolidated Net Income	23	23	26	24	27	31	19	20	22
Net Income From Continuing Operations	23	23	26	24	27	31	19	20	22
Net Income	23	23	26	24	27	31	19	20	22
EPS (Recurring)	1.48	1.46	1.69	1.57	1.71	1.92	1.30	1.46	1.80
EPS (Basic, Before Extraordinaries)	1.48	1.46	1.69	1.57	1.71	1.92	1.30	1.46	1.80
EPS (Diluted)	1.48	1.46	1.69	1.57	1.71	1.92	1.29	1.46	1.80
EBITDA	31	31	34	33	35	40	25	25	28
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	17.09	13.82	11.01	14.29	13.37	13.60	15.38	19.35	14.68
Price To Sales Ratio	2.96	2.10	1.80	2.47	2.98	3.83	2.98	4.42	4.53
Gross Margin	66.23	65.58	67.10	75.74	86.09	90.83	87.00	86.75	91.43
Operating Margin	18.83	18.83	20.65	22.06	27.83	34.86	23.00	27.71	37.14
Net Margin	14.94	14.94	16.77	17.65	23.48	28.44	19.00	24.10	31.43
Shares Outstanding	18	16	15	15	15	16	15	13	12
Market Capitalization	455	323	279	336	343	418	298	367	317
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Pellegrino Frank G	Director	Jul 08 '26	Buy	23.02	198	4,559	50,900	Jul 10
Shattuck Katherine W	Director	Jul 08 '26	Buy	23.02	9	207	10,593	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
Shattuck Katherine W	Director	May 08 '26	Buy	21.75	10	217	10,449	May 11
Pellegrino Frank G	Director	Apr 06 '26	Buy	22.55	180	4,058	48,542	Apr 07
Shattuck Katherine W	Director	Apr 06 '26	Buy	22.55	20	451	9,359	Apr 07
Shattuck Katherine W	Director	Mar 06 '26	Buy	21.95	21	461	9,339	Mar 09
Pellegrino Frank G	Director	Mar 06 '26	Buy	21.95	185	4,062	48,362	Mar 09
Pellegrino Frank G	Director	Feb 10 '26	Buy	23.22	175	4,064	47,629	Feb 11
Shattuck Katherine W	Director	Feb 10 '26	Buy	23.22	16	372	9,224	Feb 11
Pellegrino Frank G	Director	Jan 09 '26	Buy	20.38	200	4,075	47,454	Jan 12

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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.