NASDAQ: CZNC
Citizens & Northern Corp Stock

$21.73+0.06 (+0.28%)
Updated Mar 13, 2026
CZNC Price
$21.73
Fair Value Price
$14.34
Market Cap
$389.19M
52 Week Low
$18.02
52 Week High
$24.12
P/E
14.88x
P/B
1.14x
P/S
3.08x
PEG
0.24x
Dividend Yield
5.15%
Revenue
$116.63M
Earnings
$23.43M
Gross Margin
100%
Operating Margin
24.56%
Profit Margin
20.1%
Debt to Equity
8.17
Operating Cash Flow
$32M
Beta
0.58
Next Earnings
Apr 16, 2026
Ex-Dividend
N/A
Next Dividend
N/A

CZNC Overview

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. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CZNC's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
CZNC
Ranked
#52 of 279

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$5.72B
$27.13B
$28.30B
View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CZNC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CZNC ($21.73) is overvalued by 51.52% relative to our estimate of its Fair Value price of $14.34 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CZNC ($21.73) is not significantly undervalued (51.52%) relative to our estimate of its Fair Value price of $14.34 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CZNC ($21.73) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CZNC due diligence checks available for Premium users.

Valuation

CZNC fair value

Fair Value of CZNC stock based on Discounted Cash Flow (DCF)

Price
$21.73
Fair Value
$14.34
Overvalued by
51.52%
CZNC ($21.73) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CZNC ($21.73) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CZNC ($21.73) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CZNC price to earnings (PE)

For valuing profitable companies with steady earnings

Company
14.88x
Industry
13.71x
Market
31.87x
CZNC is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZNC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CZNC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.14x
Industry
1.18x
CZNC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CZNC price to earnings growth (PEG)

For valuing profitable companies with growth potential

CZNC is good value based... subscribe to Premium to read more.
PEG Value Valuation

CZNC's financial health

Profit margin

Revenue
$35.6M
Net Income
$4.5M
Profit Margin
12.6%
CZNC's Earnings (EBIT) of $28.64M... subscribe to Premium to read more.
Interest Coverage Financials
CZNC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.1B
Liabilities
$2.8B
Debt to equity
8.17
CZNC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CZNC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$10.6M
Investing
$50.0M
Financing
-$137.4M
CZNC's operating cash flow ($32.00M)... subscribe to Premium to read more.
Debt Coverage Financials

CZNC vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CZNCC$389.19M+0.30%14.88x1.14x
WTBAC$390.65M-1.20%12.01x1.47x
PDLBC$391.22M-0.18%18.11x0.74x
BMRCD$385.42M-0.29%-10.67x0.98x
AVBCC$382.05M+1.49%N/A1.03x

Citizens & Northern Stock FAQ

What is Citizens & Northern's quote symbol?

(NASDAQ: CZNC) Citizens & Northern trades on the NASDAQ under the ticker symbol CZNC. Citizens & Northern stock quotes can also be displayed as NASDAQ: CZNC.

If you're new to stock investing, here's how to buy Citizens & Northern stock.

What is the 52 week high and low for Citizens & Northern (NASDAQ: CZNC)?

(NASDAQ: CZNC) Citizens & Northern's 52-week high was $24.12, and its 52-week low was $18.02. It is currently -9.89% from its 52-week high and 20.59% from its 52-week low.

How much is Citizens & Northern stock worth today?

(NASDAQ: CZNC) Citizens & Northern currently has 17,910,243 outstanding shares. With Citizens & Northern stock trading at $21.73 per share, the total value of Citizens & Northern stock (market capitalization) is $389.19M.

Citizens & Northern stock was originally listed at a price of $22.67 in Dec 31, 1997. If you had invested in Citizens & Northern stock at $22.67, your return over the last 28 years would have been -4.13%, for an annualized return of -0.15% (not including any dividends or dividend reinvestments).

How much is Citizens & Northern's stock price per share?

(NASDAQ: CZNC) Citizens & Northern stock price per share is $21.73 today (as of Mar 13, 2026).

What is Citizens & Northern's Market Cap?

(NASDAQ: CZNC) Citizens & Northern's market cap is $389.19M, as of Mar 14, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens & Northern's market cap is calculated by multiplying CZNC's current stock price of $21.73 by CZNC's total outstanding shares of 17,910,243.
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