How to Buy Citizens & Northern Stock
Citizens & Northern Corp
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers.
Citizens & Northern stock last closed at $20.33, down 1.93% from the previous day, and has increased 11.83% in one year. It has underperformed other stocks in the Banks - Regional industry by 0.09 percentage points. Citizens & Northern stock is currently +23.21% from its 52-week low of $16.50, and -10.36% from its 52-week high of $22.68.
At the moment, there are 15.47M shares of CZNC outstanding. The market cap of CZNC is $314.43M. In the past 24 hours, 16,096 CZNC shares were traded.
How to Buy Citizens & Northern Stock
Not sure how to invest in Citizens & Northern stock? Here's how.
- Choose where to buy Citizens & Northern stock: You need to pick a stock brokerage, but don't worry - we've tested dozens of online brokerages and apps to help you determine where to buy Citizens & Northern stock.
- Sign up for a brokerage account: Sign up for 0% commission trading with the highest-rated brokerage we've selected.
- Deposit funds into your brokerage account: Select your payment method and add your information.
- Evaluate Citizens & Northern stock: The Citizens & Northern ticker symbol is CZNC. Is Citizens & Northern stock a good investment? Should you buy shares of CZNC? How do CZNC's underlying business fundamentals look? Do top analysts think Citizens & Northern is a good buy? Why has CZNC's stock price moved recently? (Hint: Our stock market research tools can help you understand if CZNC is a good stock to buy).
- Make your CZNC purchase: Decide if you will purchase CZNC shares at the current market price or use a limit order to buy CZNC shares at a specific price.
- Track your CZNC position: Create a watchlist to keep track of your investment in Citizens & Northern shares.
Step 1: Choose where to buy Citizens & Northern stock
You need an online brokerage account to access the NASDAQ market and buy CZNC stock.
Our preferred brokerage: eToro
Based on our analysis, eToro is the best place to buy stocks. eToro gives you:
- You can invest in stocks with zero commissions: Invest without commissions.
- Buy fractional shares: Even if you can't afford a full share, you can still purchase the stock.
- Access to global markets: From Tech to Financial Services, New York to Shanghai (for US users, only US stocks are available) — you can fill your portfolio with stocks from the globe's leading exchanges.
- Social investing: eToro offers a community of more than 20 million users around the world. Talk to, learn from, and copy the crypto trades of other investors.
- Security: eToro is a regulated and licensed brokerage platform.
- Buy other financial assets: Such as ETFs and cryptocurrencies.
Get $10 towards your purchase of shares by opening an account with eToro now. This offer is only for US users.
Open eToro AccountStep 2: Sign up for a brokerage account
Now that you've selected your brokerage, you need to fill out some personal information so you are able to buy CZNC today.
How to Set Up a New Investment Account on eToro
- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Input your personal data to open your new trading account.
- Send your data by clicking the "Create Account" button. Get started with eToro today
Step 3: Deposit funds into your brokerage account
Now that you've finished signing up on our top ranked stock app, your next step is to transfer the money for your investment:
Check out the video below if you need help depositing funds into your brokerage account.
Step 4: Evaluate Citizens & Northern stock
Once you have decided on the best place to buy Citizens & Northern stock, it's crucial to analyze their stock before you invest, so you truly understand the risk and upside.
Citizens & Northern Numbers
CZNC Due Diligence Checks
WallStreetZen was built to help part-time investors perform more accurate fundamental analysis.
You can view all of the due diligence checks on CZNC's stock page.
What is the fair value of CZNC stock?
Analysts use many financial metrics, analyses, models, and charts to gauge CZNC's intrinsic value.
Using relative valuations methods:
- CZNC may be undervalued based on its P/E ratio of 12.03x, relative to Banks - Regional industry P/E ratio of 13.17x
- CZNC may be overvalued based on its P/B ratio of 1.14x, relative to Banks - Regional industry P/B ratio of 1.14x
- CZNC may be overvalued based on its PEG ratio of 1.14x
You can access more valuation analysis on CZNC's stock here.
A quick look at CZNC Financials
Positive Financial Indicators:
- CZNC earnings of $31.87M is not sufficient to cover its interest payments.
- CZNC profit margin has gone up from 23.1% to 24.5% in the past year.
Negative Financial Indicators:
- Total CZNC debt is higher than 5 years ago, relative to shareholder equity.
- CZNC's operating cash flow of $33.04M allows it to safely service it's debt of $207.67M.
- CZNC has a relatively high debt to equity ratio of 8.48.
You can dive deeper into what analysts are projecting on the Citizens & Northern stock forecast page.
CZNC Technicals
CZNC Revenue
Last year, CZNC earnings were $25.96M. In the last five year, CZNC's earnings have gone up by 2.97% per year. This was slower than the Banks - Regional industry average of 17.51%.
Last year, CZNC revenue was $106.13M. Over the past 5 year, CZNC's revenue has gone up by 7.79% per year. This was slower than the Banks - Regional industry average of 9.9%.
You can research CZNC's earnings and revenue performance here.
Latest Insiders Trades at CZNC
In the past year, insiders at CZNC have bought more shares than they have sold.
Frank G. Pellegrino, Director of CZNC, was the latest CZNC insider to buy. They bought $4,674.34 worth of CZNC stock on Mar 7, 2025.
Get more info about who owns CZNC shares here.
Can I get consistent income from CZNC stock?
Citizens & Northern pays a dividend of 5.51%, compared to the Banks - Regional industry's average dividend yield of 2.83%. If you owned $1,000 of CZNC stock, you would have been paid $55.09 last year.
Citizens & Northern dividend payments have consistently grown over the past decade but have not remained stable.
Get more info about Citizens & Northern dividend yield and history here.
Get opinions from other traders
One of the major reasons eToro is our favorite brokerage is because of its social trading community.
Click below to find out what other traders have to say.
Step 5: Make your CZNC purchase
You have two primary order types:
- Market order: A market order is an order to buy or sell a stock at the best price on the market.
Market orders are usually fine. - Limit order: A limit order enables you to buy or sell a stock at a specific price (or better).
If you want to make sure you're buying or selling at an exact dollar amount, place a limit order.
Press the Open button and your broker will execute the order.
If you require additional help with buying stocks on eToro, click the how to video below:
Step 6: Track your CZNC position
Now that you own some shares in CZNC, you'll want to stay up-to-date on your new stock purchase.
Add CZNC to a watchlist to get notified of important updates regarding your CZNC stock.
CZNC Feed
How to Buy Stock in Citizens & Northern
To summarize, here are the 6 steps to buy Citizens & Northern stock:
- Choose where to buy Citizens & Northern stock
- Sign up for a brokerage account
- Deposit funds into your brokerage account
- Evaluate Citizens & Northern stock
- Make your CZNC purchase
- Track your CZNC position
If you require a brokerage, eToro is our favorite option.
Get Started with eToro TodayIf you want to track your investment in Citizens & Northern, add CZNC to your watchlist by clicking the button below.
Related Stock Buying Guides
FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterInformation is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.