CZNC — Citizens & Northern Corporation stock price, charts and financials
QT69Citizens & Northern CorporationCitizens & Northern Corporation (NASDAQ: CZNC) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 17.52 | EPS (ttm) | 1.48 | Insider Own | 4.29% | Shs Outstand | 17.92M | Perf Week | 0.00% |
| Market Cap | 464.58M | Forward P/E | 9.43 | EPS next Y | 2.75 | Insider Trans | -0.11% | Shs Float | 16.96M | Perf Month | -0.61% |
| Enterprise Value | 55.58M | PEG | 0.66 | EPS next Q | 0.68 | Inst Own | - | Short Float | 2.21% | Perf Quarter | 20.21% |
| Income | 23.00M | P/S | 3.02 | EPS this Y | 46.62% | Inst Trans | - | Short Ratio | 5.33 | Perf Half Y | 21.06% |
| Sales | 154.00M | P/B | 1.34 | EPS next Y | 26.73% | ROA | 0.80% | Short Interest | 374.71K | Perf YTD | 28.56% |
| Book/sh | 19.31 | P/C | 0.80 | EPS next 5Y | 26.73% | ROE | 7.70% | 52W High | 26.37 -1.67% | Perf Year | 30.76% |
| Cash/sh | 32.32 | P/FCF | 10.32 | EPS past 3/5Y | -5.13% 2.51% | ROIC | 0.35% | 52W Low | 18.87 37.41% | Perf 3Y | 45.18% |
| Dividend Est. | 1.12 (4.32%) | EV/EBITDA | 1.79 | Sales past 3/5Y | 10.22% 9.02% | Gross Margin | 51.76% | Volatility | 2.26% 1.98% | Perf 5Y | 4.98% |
| Dividend TTM | 1.12 (4.32%) | EV/Sales | 0.36 | EPS Y/Y TTM | -12.43% | Oper. Margin | 8.16% | ATR (14) | 0.55 | Perf 10Y | 19.49% |
| Dividend Ex-Date | Aug 03, 2026 | Quick Ratio | 40.31 | Sales Y/Y TTM | -0.65% | Profit Margin | 15.42% | RSI (14) | 57.22 | Recom | 3.00 |
| Dividend Gr. 3/5Y | 0.00% 0.73% | Current Ratio | 40.31 | EPS Q/Q | 97.50% | SMA20 | 0.57% | Beta | 0.39 | Target Price | 23.50 |
| Payout | 69.50% | Debt/Eq | 0.57 | Sales Q/Q | -2.50% | SMA50 | 3.41% | Rel Volume | 0.61 | Prev Close | 25.96 |
| Employees | 460 | LT Debt/Eq | 0.44 | Earnings | Oct 22 | SMA200 | 13.92% | Avg Volume | 71.60K | Price | 25.93 |
| IPO Date | Apr 05, 1994 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 25.40% 7.99% | Net Debt/EBITDA | 5.97 | Volume | 43,625 | Change | -0.12% |
| 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 |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| 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 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 54 | 53 | 51 | — | — | — | — | — | — | |
| Gross Profit | 102 | 101 | 104 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 49 | 53 | 45 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 24 | 19 | 27 | — | — | — | — | — | — | |
| Operating Income | 29 | 29 | 32 | — | — | — | — | — | — | |
| Interest Expense | 47 | 47 | 49 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 47 | 47 | 49 | — | — | — | — | — | — | |
| Net Income Before Taxes | 29 | 29 | 32 | — | — | — | — | — | — | |
| Income Taxes | 4 | 5 | 6 | — | — | — | — | — | — | |
| Consolidated Net Income | 23 | 23 | 26 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 23 | 23 | 26 | — | — | — | — | — | — | |
| Net Income | 23 | 23 | 26 | — | — | — | — | — | — | |
| EPS (Recurring) | 1.48 | 1.46 | 1.69 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 1.48 | 1.46 | 1.69 | — | — | — | — | — | — | |
| EPS (Diluted) | 1.48 | 1.46 | 1.69 | — | — | — | — | — | — | |
| EBITDA | 31 | 31 | 34 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 17.52 | 13.82 | 11.01 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.03 | 2.10 | 1.80 | — | — | — | — | — | — | |
| Gross Margin | 66.23 | 65.58 | 67.10 | — | — | — | — | — | — | |
| Operating Margin | 18.83 | 18.83 | 20.65 | — | — | — | — | — | — | |
| Net Margin | 14.94 | 14.94 | 16.77 | — | — | — | — | — | — | |
| Shares Outstanding | 18 | 16 | 15 | — | — | — | — | — | — | |
| Market Capitalization | 467 | 323 | 279 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Shattuck Katherine W | Director | Sep 04 '26 | Buy | 26.17 | 8 | 209 | 10,711 | Sep 08 |
| Pellegrino Frank G | Director | Sep 04 '26 | Buy | 26.17 | 178 | 4,658 | 51,825 | Sep 08 |
| 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 |
| Trate Christian C | Director | Aug 03 '26 | Sale | 25.21 | 560 | 14,118 | 4,798 | Aug 04 |
| 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 |
| Pellegrino Frank G | Director | Jun 05 '26 | Buy | 21.44 | 190 | 4,074 | 50,702 | Jun 08 |
| Shattuck Katherine W | Director | Jun 05 '26 | Buy | 21.44 | 10 | 214 | 10,584 | 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 |
| Shattuck Katherine W | Director | May 08 '26 | Buy | 21.75 | 10 | 217 | 10,449 | May 11 |
| Pellegrino Frank G | Director | May 08 '26 | Buy | 21.75 | 237 | 5,154 | 49,859 | May 11 |
| Pellegrino Frank G | Director | Apr 06 '26 | Buy | 22.55 | 180 | 4,058 | 48,542 | Apr 07 |