
CITIZENS & NORTHERN CORP
CZNCNASDAQTrading Snapshot
- Day Range
- $25.46 β $25.70
- 52-Week Range
- $18.49 β $25.84
- Volume
- $2.24B
- Avg Volume
- $2.20B
- Shares Outstanding
- 17.9M
- Next Earnings
- Sep 13, 2026
Fundamentals Snapshot
- Annual Revenue
- $154M
- Last Q Revenue
- $39M
- P/E Ratio
- 25.9
- P/S Ratio
- 2.8x
- EPS (TTM)
- $1.09
- Dividend Yield
- 3.76%
Why Investors Own CZNC
- βHigh-growth profile β revenue up +20.8% YoY with expanding US Equity exposure.
- βHealthy economics β 32% gross margin and 4% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
About CITIZENS & NORTHERN CORP
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.
Otter Score Breakdown
βAnalyst Price Target
βLatest News & Updates
CITIZENS & NORTHERN CORP tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift CZNC price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
CITIZENS & NORTHERN CORP announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.