Citizens & Northern Corporation
CZNC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $467.8M
$26.11
▲ +1.08%
P/E
17.70
Mkt Cap
$467.8M
52-Wk Range
$18.87–$26.26
52-Week Range
$18.87 - $26.26
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 28.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- 160+ year operating history with deep community roots and customer relationships
- Diversified revenue streams across lending, deposits, wealth management, and insurance
- Strategic branch network across high-growth Pennsylvania and New York markets
- Specialized expertise in commercial lending and trust administration services
Bear Case
1 risk
- Low volatility (beta 0.4).
Growth
Mild headwinds expected
Expansion of commercial lending portfolio in underserved regional markets
Value
Fairly valued vs Commercial Banking peers
Momentum
Hot
+22.5% over 3m
Quality
Strong
Strong fundamentals
Dividend
Solid
4.29% yield
Smart-money signal
Who's buying CZNC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 15, 2026
JUL 23, 2026
Reported EPS of $0.79 vs $0.63 consensus (+25.4% surprise). Revenue of $39.4M vs $36.5M expected (+8.0%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+25.4%
Revenue trend · last 8Q
—
+11%
+5%
+8%
+8%
+30%
+27%
-17%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$26.8M
$27.7M
$38.3M
$40.2M
$40.4M
$36.0M
$48.8M
$33.4M
Margins · last 8Q
Gross
-69.1%
Operating
-1.0%
Profit
42.1%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How CZNC stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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