Is Citizens & Northern Corporation (CZNC) a Buy, Sell, or Hold?
NASDAQ : CZNC
Citizens & Northern Corporation
$23.84 USD
$0.76 (3.29%)
- Volume
- 37.36K
- Average Volume
- 54.9K
- Market Capitalization
- $427.13M
- P/E Ratio
- 21.98
- Dividend Yield
- 4.70%
- Price Target
- $23.50
- Year High
- $24.25
- Year Low
- $18.16
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.97
- Current Ratio
- $1.23
Industry, Sector & symbol
| Stock Exchange | NASDAQ |
| CEO | J. Bradley Scovill |
| Industry | Banks - Regional |
| Sector | Financial Services |
| Current Symbol | CZNC |
| CUSIP | 172922106 |
| CIK | 0000810958 |
| Web | https://www.cnbankpa.com |
| Phone | 570 724 3411 |
| Currency | USD |
| Employees | 460 |
| Country | US |
Liquidity
| Debt-to-Equity Ratio | 0.58 |
| Payout Ratio | 0.97 |
| Current Ratio | 1.23 |
| Quick Ratio | 1.23 |
| Cash Ratio | 1.01 |
Sales & Book Value
| Annual Sales | $154.19M |
| Price / Sales | 2.58 |
| Cash Flow | 2.12 |
| Price / Cash Flow | 11.39 |
| Price / Book | 1.26 |
Price Target and Rating
| Average Stock Price Forecast | $23.50 |
| High Stock Price Forecast | $23.50 |
| Low Stock Price Forecast | $23.50 |
| Forecast Upside/Downside | 1.45% |
| Consensus Rating | Neutral |
| Rating Score(0-5) | 3 |
| Research Coverage | 1 Analysts |
Profitability
| EPS (Most Recent Fiscal Year) | $1.46 |
| Trailing P/E Ratio | 21.98 |
| PEG Ratio | -0.58 |
| P/E Growth | -0.58 |
| Net Income | $23.43M |
| Net Margin | 10.52% |
| Pretax Margin | 12.86% |
| Return on Equity | 5.54% |
| Return on Assets | 0.55% |
Financials Score
| AltmanZ Score | 0.24 |
| Piotroski Score | 6.00 |
| Working Capital | 12.24M |
| Total Assets | 3.16B |
| Ebit | 21.27M |
| Market Cap | 427.13M |
| Total Liabilities | 2.83B |
Poll Results
About Citizens & Northern Corporation (NASDAQ:CZNC) Stock
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. Throug ... h 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.
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Citizens & Northern AGM: Directors Elected, Crowe LLP Ratified, $0.28 Dividend Declared
2026-04-26 03:12:58
Citizens and Northern (NASDAQ: CZNC) shareholders on the company's annual meeting webcast elected directors, approved an advisory executive compensation proposal, and ratified the appointment of Crowe LLP as independent auditor for 2026. Management also highlighted progress following the October 2025 completion of the merger with Susquehanna Community Bank and announced a quarterly cash dividend of $0.28
Citizens & Northern Corporation (CZNC) Shareholder/Analyst Call Prepared Remarks Transcript
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Citizens & Northern Corporation (CZNC) Shareholder/Analyst Call Prepared Remarks Transcript
Frequently Asked Questions
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What is the current Citizens & Northern Corporation (CZNC) stock price?
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Citizens & Northern Corporation(NASDAQ:CZNC) stock price is $23.84 in the last trading session. During the trading session, CZNC stock reached the peak price of $24.25 while $18.16 was the lowest point it dropped to. The percentage change in CZNC stock occurred in the recent session was 3.29% while the dollar amount for the price change in CZNC stock was $0.76.
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CZNC's industry and sector of operation?
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The NASDAQ listed CZNC is part of Banks - Regional industry that operates in the broader Financial Services sector.
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Who are the executives of CZNC?
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Kelley A. Cwiklinski | Executive Vice President & Chief Commercial Lending Officer
Chau Nguyen | Senior Vice President & Senior Commercial Lending Relationship Manager
David S. Runk | Executive Vice President & Strategic Advisor
J. Bradley Scovill | President, Chief Executive Officer & Director
Jeffrey G. Hollenbach | Executive Vice President & Region President -
How many employees does CZNC have?
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Number of CZNC employees currently stands at 460. CZNC operates from 90-92 Main Street, Wellsboro, PA 16901, US.
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Link for CZNC official website?
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Official Website of CZNC is: https://www.cnbankpa.com
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How do I contact CZNC?
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CZNC could be contacted at phone #570 724 3411 and can also be accessed through its website. CZNC operates from 90-92 Main Street, Wellsboro, PA 16901, US.
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How many shares of CZNC are traded daily?
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The average number of CZNC shares traded daily for last 3 months was 54.9K.
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What is the market cap of CZNC currently?
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The market value of CZNC currently stands at $427.13M with its latest stock price at $23.84