Symbols / CZNC Stock $21.86 +1.06% Citizens & Northern Corporation

Financial Services • Banks - Regional • United States • NCM
CZNC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. J. Bradley Scovill
Exch · Country NCM · United States
Market Cap 391.66M
Enterprise Value 525.79M
Income 17.28M
Sales 112.93M
FCF (ttm) —
Book/sh 18.74
Cash/sh 3.12
Employees 460
Insider 10d —
IPO Apr 05, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 104.67%
P/E 20.43
Forward P/E 8.10
PEG 1.21
P/S 3.47
P/B 1.17
P/C —
EV/EBITDA —
EV/Sales 4.66
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.07
EPS next Y 2.70
EPS Growth -96.20%
Revenue Growth -13.80%
EPS Gr Q/Q -95.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-29
ROA 0.60%
ROE 5.64%
ROIC —
Gross Margin 0.00%
Oper. Margin 1.45%
Profit Margin 15.41%
Shs Outstand 17.92M
Shs Float 17.00M
Insider Own 4.15%
Instit Own 31.88%
Short Float 1.59%
Short Ratio 5.97
Short Interest 271.80K
52W High 24.12
vs 52W High -9.37%
52W Low 18.16
vs 52W Low 20.37%
Beta 0.42
Impl. Vol. 32.62%
Rel Volume 1.10
Avg Volume 41.01K
Volume 45.14K
Target (mean) $24.00
Tgt Median $24.00
Tgt Low $24.00
Tgt High $24.00
# Analysts 1
Recom None
Prev Close $21.63
Price $21.86
Change 1.06%
About

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$24.00
Mean price target
2. Current target
$21.86
Latest analyst target
3. DCF / Fair value
$16.05
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$21.86
Low
$24.00
High
$24.00
Mean
$24.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-29 main Piper Sandler Neutral → Neutral $24
2025-10-24 main Piper Sandler Neutral → Neutral $22
2023-06-27 init Janney Montgomery Scott — → Neutral —
2023-04-24 main Piper Sandler — → Neutral $21
2020-10-27 main Piper Sandler — → Overweight $21
2020-09-28 up Piper Sandler Neutral → Overweight $20
News
RSS: Latest CZNC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-28 TRATE CHRISTIAN C Director — 229 $21.10 $4,832
2026-05-13 LEHMAN TERRY L Director — 1,000 $20.83 $20,828
2026-05-08 SHATTUCK KATHERINE W Director — 10 $21.75 $217
2026-05-08 PELLEGRINO FRANK G Director — 237 $21.75 $5,154
2026-04-23 LEHMAN TERRY L Director — 1,080 $23.15 $25,002
2026-04-23 PELLEGRINO FRANK G Director — 1,080 $23.15 $25,002
2026-04-23 SINGER AARON K Director — 1,080 $23.15 $25,002
2026-04-23 KILMER BOBBI J Director — 1,080 $23.15 $25,002
2026-04-23 LOUGHERY ROBERT G Director — 1,080 $23.15 $25,002
2026-04-23 DORWART STEPHEN M Director — 1,080 $23.15 $25,002
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
120.84
+13.46%
106.51
+3.27%
103.14
-2.67%
105.96
Operating Revenue
120.84
+13.46%
106.51
+3.27%
103.14
-2.67%
105.96
Selling General And Administration
47.39
+5.47%
44.93
+1.66%
44.20
+5.65%
41.83
General And Administrative Expense
47.39
+5.47%
44.93
+1.66%
44.20
+5.65%
41.83
Salaries And Wages
47.39
+5.47%
44.93
+1.66%
44.20
+5.65%
41.83
Other Gand A
—
—
—
6.81
Reconciled Depreciation
2.36
+8.25%
2.18
+1.49%
2.15
-9.96%
2.39
Total Unusual Items
-7.94
0.00
0.00
0.00
Total Unusual Items Excluding Goodwill
-7.94
0.00
0.00
0.00
Special Income Charges
-7.94
0.00
0.00
0.00
Restructuring And Mergern Acquisition
7.94
0.00
0.00
0.00
Net Income
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Pretax Income
28.64
-10.13%
31.87
+4.55%
30.48
-5.77%
32.35
Net Interest Income
91.85
+16.10%
79.11
-1.60%
80.40
-3.28%
83.13
Interest Expense
47.36
-3.27%
48.96
+47.91%
33.10
+247.77%
9.52
Interest Income
139.22
+8.70%
128.08
+12.84%
113.50
+22.51%
92.65
Gain On Sale Of Security
0.04
0.00
+100.00%
-3.04
-15280.00%
0.02
Tax Provision
5.22
-11.79%
5.91
-6.66%
6.33
+10.52%
5.73
Tax Rate For Calcs
0.00
-1.85%
0.00
-10.80%
0.00
+17.39%
0.00
Tax Effect Of Unusual Items
-1.45
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Net Income From Continuing Operation Net Minority Interest
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Net Income From Continuing And Discontinued Operation
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Net Income Continuous Operations
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Normalized Income
29.92
+15.27%
25.96
+7.50%
24.15
-9.28%
26.62
Net Income Common Stockholders
23.25
-9.72%
25.75
+7.45%
23.96
-9.17%
26.38
Otherunder Preferred Stock Dividend
0.18
-13.74%
0.21
+13.44%
0.19
-21.52%
0.24
Diluted EPS
1.46
-13.61%
1.69
+7.64%
1.57
-8.19%
1.71
Basic EPS
1.46
-13.61%
1.69
+7.64%
1.57
-8.19%
1.71
Basic Average Shares
15.95
+4.50%
15.26
+0.14%
15.24
-1.38%
15.46
Diluted Average Shares
15.95
+4.50%
15.26
+0.14%
15.24
-1.40%
15.46
Diluted NI Availto Com Stockholders
23.25
-9.72%
25.75
+7.45%
23.96
-9.17%
26.38
Occupancy And Equipment
5.86
+7.07%
5.47
+2.17%
5.36
-3.18%
5.53
Other Non Interest Expense
22.18
+11.68%
19.86
-2.72%
20.42
+20.22%
16.98
Professional Expense And Contract Services Expense
2.76
+26.85%
2.17
-12.90%
2.50
+24.54%
2.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,132.47
+19.99%
2,610.65
+3.78%
2,515.58
+2.50%
2,454.31
Cash And Cash Equivalents
46.06
-63.50%
126.17
+121.83%
56.88
+3.32%
55.05
Other Short Term Investments
291.32
+37.79%
211.43
-49.15%
415.75
-16.52%
498.03
Receivables
11.59
+32.73%
8.73
-4.43%
9.14
+5.63%
8.65
Accounts Receivable
11.59
+32.73%
8.73
-4.43%
9.14
+5.63%
8.65
Net PPE
27.75
+30.07%
21.34
-1.36%
21.63
+0.27%
21.57
Gross PPE
60.02
+16.21%
51.65
+0.51%
51.39
-1.88%
52.37
Accumulated Depreciation
-32.26
-6.45%
-30.31
-1.87%
-29.75
+3.39%
-30.80
Land And Improvements
5.63
+57.71%
3.57
+0.00%
3.57
-1.38%
3.62
Buildings And Improvements
38.90
+15.68%
33.62
+3.20%
32.58
+0.77%
32.33
Machinery Furniture Equipment
15.41
+8.04%
14.27
-2.41%
14.62
-1.80%
14.89
Construction In Progress
0.08
-59.14%
0.19
-69.71%
0.61
-59.92%
1.53
Goodwill And Other Intangible Assets
74.88
+37.19%
54.59
-0.71%
54.97
-0.74%
55.38
Goodwill
63.31
+20.58%
52.51
+0.00%
52.51
+0.00%
52.51
Other Intangible Assets
11.57
+456.39%
2.08
-15.76%
2.47
-14.18%
2.88
Investments And Advances
291.32
+37.79%
211.43
-49.15%
415.75
-16.52%
498.03
Total Liabilities Net Minority Interest
2,790.76
+19.50%
2,335.37
+3.65%
2,253.20
+2.19%
2,204.98
Payables And Accrued Expenses
—
—
—
25.61
Payables
—
—
—
25.61
Accounts Payable
—
—
—
25.61
Current Debt And Capital Lease Obligation
27.00
0.00
-100.00%
31.50
-72.87%
116.12
Current Debt
27.00
0.00
-100.00%
31.50
-72.87%
116.12
Other Current Borrowings
27.00
0.00
-100.00%
31.50
-72.87%
116.12
Long Term Debt And Capital Lease Obligation
160.85
-21.60%
205.18
+15.34%
177.88
+184.15%
62.60
Long Term Debt
160.85
-21.60%
205.18
+15.34%
177.88
+184.15%
62.60
Stockholders Equity
341.71
+24.13%
275.28
+4.92%
262.38
+5.24%
249.32
Common Stock Equity
341.71
+24.13%
275.28
+4.92%
262.38
+5.24%
249.32
Capital Stock
18.30
+14.18%
16.03
+0.00%
16.03
+0.00%
16.03
Common Stock
18.30
+14.18%
16.03
+0.00%
16.03
+0.00%
16.03
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
18.30
+14.18%
16.03
+0.00%
16.03
+0.00%
16.03
Ordinary Shares Number
17.82
+15.49%
15.43
+0.90%
15.30
-1.44%
15.52
Treasury Shares Number
0.48
-19.61%
0.60
-18.82%
0.74
+43.74%
0.51
Additional Paid In Capital
185.70
+29.35%
143.56
-0.57%
144.39
+0.30%
143.95
Retained Earnings
171.21
+3.28%
165.78
+5.57%
157.03
+3.48%
151.74
Gains Losses Not Affecting Retained Earnings
-22.80
+37.99%
-36.76
+4.36%
-38.44
+22.94%
-49.88
Treasury Stock
10.70
-19.69%
13.33
-19.85%
16.63
+32.81%
12.52
Total Equity Gross Minority Interest
341.71
+24.13%
275.28
+4.92%
262.38
+5.24%
249.32
Total Capitalization
502.57
+4.60%
480.46
+9.13%
440.27
+41.14%
311.93
Invested Capital
529.57
+10.22%
480.46
+1.84%
471.77
+10.21%
428.04
Total Debt
187.85
-8.44%
205.18
-2.01%
209.38
+17.16%
178.72
Net Debt
141.80
+79.48%
79.01
-48.19%
152.51
+23.32%
123.67
Net Tangible Assets
266.83
+20.90%
220.70
+6.41%
207.41
+6.94%
193.94
Tangible Book Value
266.83
+20.90%
220.70
+6.41%
207.41
+6.94%
193.94
Available For Sale Securities
—
179.94
—
—
Cash Cash Equivalents And Federal Funds Sold
46.06
-63.50%
126.17
+121.83%
56.88
+3.32%
55.05
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
32.00
-3.12%
33.03
-1.53%
33.55
-3.04%
34.60
Cash Flow From Continuing Operating Activities
32.00
-3.12%
33.03
-1.53%
33.55
-3.04%
34.60
Net Income From Continuing Operations
23.43
-9.75%
25.96
+7.50%
24.15
-9.28%
26.62
Depreciation Amortization Depletion
2.36
+8.25%
2.18
+1.49%
2.15
-9.96%
2.39
Depreciation
2.36
+8.25%
2.18
+1.49%
2.15
-9.96%
2.39
Depreciation And Amortization
2.36
+8.25%
2.18
+1.49%
2.15
-9.96%
2.39
Other Non Cash Items
2.00
+283.49%
-1.09
-993.44%
0.12
-23.75%
0.16
Stock Based Compensation
1.29
-13.86%
1.49
+1.49%
1.47
+16.83%
1.26
Deferred Tax
2.72
+280.72%
-1.50
-279.90%
0.84
+309.00%
-0.40
Deferred Income Tax
2.72
+280.72%
-1.50
-279.90%
0.84
+309.00%
-0.40
Operating Gains Losses
-1.52
-31.35%
-1.16
-150.06%
2.31
+397.68%
-0.78
Gain Loss On Investment Securities
-0.04
0.00
-100.00%
3.04
+15280.00%
-0.02
Change In Working Capital
-5.72
-272.83%
3.31
+1183.72%
0.26
+105.53%
-4.67
Change In Receivables
-0.76
+74.95%
-3.01
-115.29%
-1.40
+60.36%
-3.53
Changes In Account Receivables
-0.76
+74.95%
-3.01
-115.29%
-1.40
+60.36%
-3.53
Change In Payables And Accrued Expense
-3.30
-141.29%
7.99
+92.07%
4.16
+806.45%
-0.59
Change In Payable
-3.30
-141.29%
7.99
+92.07%
4.16
+806.45%
-0.59
Change In Account Payable
-3.30
-141.29%
7.99
+92.07%
4.16
+806.45%
-0.59
Change In Other Working Capital
-1.93
-5.30%
-1.83
+32.30%
-2.70
-395.96%
-0.55
Change In Other Current Assets
0.26
+57.32%
0.16
-18.00%
0.20
+258.73%
-0.13
Investing Cash Flow
0.20
+100.94%
-20.94
+60.64%
-53.20
+77.33%
-234.69
Cash Flow From Continuing Investing Activities
0.20
+100.94%
-20.94
+60.64%
-53.20
+77.33%
-234.69
Net PPE Purchase And Sale
-1.91
+0.05%
-1.91
+15.85%
-2.27
+31.11%
-3.29
Purchase Of PPE
-1.91
+0.05%
-1.91
+15.85%
-2.27
+31.11%
-3.29
Sale Of PPE
—
—
0.00
0.00
Capital Expenditure
-1.91
+0.05%
-1.91
+15.85%
-2.27
+31.11%
-3.29
Net Investment Purchase And Sale
59.94
+347.30%
13.40
-85.07%
89.73
+276.14%
-50.94
Purchase Of Investment
-134.04
-419.77%
-25.79
-10.14%
-23.41
+79.41%
-113.72
Sale Of Investment
193.97
+394.99%
39.19
-65.36%
113.14
+80.24%
62.77
Net Business Purchase And Sale
5.83
0.00
0.00
0.00
Net Other Investing Changes
0.89
-93.99%
14.77
+140.39%
-36.56
-812.83%
-4.00
Financing Cash Flow
-111.07
-289.21%
58.70
+137.32%
24.73
-83.72%
151.94
Cash Flow From Continuing Financing Activities
-111.07
-289.21%
58.70
+137.32%
24.73
-83.72%
151.94
Net Issuance Payments Of Debt
-64.19
-1410.61%
-4.25
-114.23%
29.85
-71.38%
104.30
Issuance Of Debt
0.00
-100.00%
59.39
-30.49%
85.44
+70.87%
50.00
Repayment Of Debt
-64.19
-0.87%
-63.63
-14.49%
-55.58
-132.03%
-23.95
Long Term Debt Issuance
0.00
-100.00%
59.39
-30.49%
85.44
+70.87%
50.00
Long Term Debt Payments
-44.52
-38.04%
-32.25
-243.26%
-9.39
+60.78%
-23.95
Net Long Term Debt Issuance
-44.52
-264.04%
27.14
-64.31%
76.04
+191.96%
26.05
Short Term Debt Issuance
—
—
—
78.26
Short Term Debt Payments
-19.67
+37.33%
-31.39
+32.05%
-46.19
—
Net Short Term Debt Issuance
-19.67
+37.33%
-31.39
+32.05%
-46.19
-159.02%
78.26
Net Common Stock Issuance
-0.22
+65.34%
-0.63
+90.73%
-6.78
+26.17%
-9.19
Common Stock Payments
-0.22
+65.34%
-0.63
+90.73%
-6.78
+27.44%
-9.35
Common Stock Dividend Paid
-16.29
-4.91%
-15.53
+0.25%
-15.57
+1.87%
-15.87
Cash Dividends Paid
-16.29
-4.91%
-15.53
+0.25%
-15.57
+1.87%
-15.87
Repurchase Of Capital Stock
-0.22
+65.34%
-0.63
+90.73%
-6.78
+27.44%
-9.35
Changes In Cash
-78.87
-211.40%
70.80
+1293.62%
5.08
+110.55%
-48.15
Beginning Cash Position
123.57
+134.14%
52.78
+10.65%
47.70
-50.24%
95.85
End Cash Position
44.71
-63.82%
123.57
+134.14%
52.78
+10.65%
47.70
Free Cash Flow
30.10
-3.31%
31.13
-0.49%
31.28
-0.09%
31.31
Interest Paid Supplemental Data
49.05
+1.00%
48.56
+52.06%
31.94
+236.27%
9.50
Income Tax Paid Supplemental Data
8.79
+81.75%
4.84
-24.19%
6.38
+14.78%
5.56
Amortization Of Securities
1.38
-16.11%
1.65
-20.22%
2.06
-25.29%
2.76
Common Stock Issuance
—
0.00
0.00
-100.00%
0.16
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
0.16
Sale Of Business
5.83
0.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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