C

    Citizens & Northern Corp (CZNC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $25.34
    -0.20 (-0.78%)

    Market Cap: $454.47M

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    63%(25/40)
    Avg Surprise
    +1.35%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.68
    Range$0.68 - $0.68
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate Drift
    90d ago$0.64-5.9%
    60d ago$0.66-2.9%
    30d ago$0.66-2.9%
    7d ago$0.66-2.9%
    Current$0.68
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.28
    Range$0.28 - $0.28
    1 analysts
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.28---
    Sep 26EST
    		-$0.68---
    Jun 26
    Reported Jul 23
    		$0.79$0.63+25.40%Beat+97.5%
    Mar 26
    Reported May 8
    		$0.02N/A-96.55%Miss-95.1%
    Dec 25
    Reported Jan 28
    		$0.57$0.59-3.39%Miss+7.5%
    Sep 25
    Reported Oct 23
    		$0.47$0.53-11.32%Miss+14.6%
    Jun 25
    Reported Aug 8
    		$0.40$0.47-14.89%Miss+0.0%
    Mar 25
    Reported Apr 23
    		$0.41$0.44-6.82%Miss+17.1%
    Dec 24
    Reported Jan 23
    		$0.53$0.45+17.78%Beat+89.3%
    Sep 24
    Reported Oct 17
    		$0.41$0.45-8.89%Miss-18.0%
    Jun 24
    Reported Aug 7
    		$0.40$0.37+8.11%Beat+2.6%
    Mar 24
    Reported May 7
    		$0.35$0.34+2.94%Beat-12.5%
    Dec 23
    Reported Mar 11
    		$0.28$0.39-28.21%Miss-44.0%
    Sep 23
    Reported Nov 6
    		$0.50$0.40+25.00%Beat+72.4%
    Jun 23
    Reported Aug 8
    		$0.39$0.39+0.00%Beat-18.7%
    Mar 23
    Reported May 5
    		$0.40$0.42-4.76%Miss-9.1%
    Dec 22
    Reported Mar 16
    		$0.50$0.48+4.17%Beat+8.7%
    Sep 22
    Reported Nov 7
    		$0.29$0.47-38.30%Miss-38.3%
    Jun 22
    Reported Jul 21
    		$0.48$0.44+9.09%Beat+9.1%
    Mar 22
    Reported May 6
    		$0.44$0.40+10.00%Beat-20.0%
    Dec 21
    Reported Jan 20
    		$0.46$0.49-6.12%Miss-9.8%
    Sep 21
    Reported Nov 8
    		$0.47$0.46+2.17%Beat-6.0%
    Jun 21
    Reported Aug 6
    		$0.44$0.48-8.33%Miss-2.2%
    Mar 21
    Reported May 7
    		$0.55$0.45+22.22%Beat+77.4%
    Dec 20
    Reported Jan 21
    		$0.51$0.42+21.43%Beat+21.4%
    Sep 20
    Reported Nov 6
    		$0.50$0.36+38.89%Beat+25.0%
    Jun 20
    Reported Aug 6
    		$0.45$0.31+45.16%Beat-2.2%
    Mar 20
    Reported May 7
    		$0.31$0.35-11.43%Miss-24.4%
    Dec 19
    Reported Jan 16
    		$0.42$0.42+0.00%Beat-8.7%
    Sep 19
    Reported Oct 17
    		$0.40$0.44-9.09%Miss-4.8%
    Jun 19
    Reported Aug 6
    		$0.46$0.43+6.98%Beat+9.5%
    Mar 19
    Reported May 7
    		$0.41$0.36+13.89%Beat+13.9%
    Dec 18
    Reported Jan 17
    		$0.46$0.42+9.52%Beat+35.3%
    Sep 18
    Reported Oct 18
    		$0.42$0.43-2.33%Miss+31.2%
    Jun 18
    Reported Jul 19
    		$0.42$0.39+7.69%Beat+23.5%
    Mar 18
    Reported Apr 19
    		$0.36$0.29+24.14%Beat+28.6%
    Dec 17
    Reported Jan 18
    		$0.34$0.33+3.03%Beat-2.9%
    Sep 17
    Reported Oct 19
    		$0.32$0.34-5.88%Miss-5.9%
    Jun 17
    Reported Aug 3
    		$0.34$0.33+3.03%Beat-
    Mar 17
    Reported Apr 20
    		$0.28$0.27+3.70%Beat-
    Dec 16
    Reported Feb 16
    		$0.35$0.33+6.06%Beat-
    Sep 16
    Reported Oct 17
    		$0.34$0.34+0.00%Beat-

    Dividends

    Dividend Metrics

    Yield4.42%
    Annual/Share$1.12
    Payout Ratio79.25%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.73%
    View CZNC's full dividend history

    Key Metrics

    Valuation
    P/E Ratio13.70EV/EBITDAN/A
    Price/FCF10.15xFCF Yield9.85%
    Profitability
    Profit Margin19.90%Operating Margin42.20%
    ROE8.02%ROIC4.91%
    Financial Health
    Debt/Equity0.49xInterest Coverage0.64x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.39Avg Volume69.15K
    52-Week High$26.2652-Week Low$18.02

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$25.67
    SMA 20$25.64
    SMA 50$24.23
    SMA 200$22.06
    EMA 10$25.58
    EMA 20$25.40
    EMA 50$24.42
    EMA 200$22.32

    MACD

    Line: 0.37Signal: 0.53Hist: -0.16

    ADX

    ADX: 22.1+DI: 21.2-DI: 23.4

    Aroon & PSAR

    Aroon Up52.0
    Aroon DownN/A
    PSAR$26.20

    Bollinger Bands

    Upper Band$26.22
    Lower Band$25.05
    %B Position455%(Upper)
    Band Width0.24

    RSI (14-Day)

    Neutral
    53.5

    Momentum Oscillators

    Stoch %K38.4
    Stoch %D45.8
    Williams %R-73.0
    ROC (10d)-2.5%
    Momentum-0.65
    CCI (20d)-52.0
    MFI (14d)48.7

    Volatility Measures

    ATR (14d)$0.56(2.2%)
    StdDev (20d)0.29
    Hist Vol13.1%(Low)

    Volume Flow

    VWAP$25.39
    OBV1.5M
    AD Line-28.1M
    CMF (20d)0.046

    Volume Metrics

    Avg Vol (20d)69.1K
    Vol Ratio0.6x
    VWMA (20d)$25.66

    Pivot Points

    R3$26.10
    R2$25.97
    R1$25.75
    Pivot Point$25.62
    S1$25.40
    S2$25.27
    S3$25.05

    Advanced Oscillators

    TSI26.25
    Ultimate Osc46.4
    KST69.65

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$39.42M$36.65M$36.87M$29.57M$29.28M$26.98M$28.02M$27.29M$27.30M$25.72M$25.27M$26.15M
    Cost of RevenueN/A$25.74M$14.25M$13.55M$13.67M$11.97M$12.32M$14.14M$12.45M$12.25M$11.59M$8.23M
    Gross ProfitN/A$23.05M$21.77M$26.88M$26.53M$26.36M$28.20M$25.57M$26.26M$24.27M$24.01M$26.87M
    Operating Expenses$23.84M$22.71M$30.16M$19.39M$19.40M$19.04M$18.43M$18.27M$19.25M$18.30M$18.40M$17.94M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$335,000$5.39M$8.02M$7.53M$7.70M$10.12M$7.81M$7.48M$6.46M$5.92M$9.44M
    Interest Income$41.57M$40.59M$41.40M$33.65M$32.45M$31.71M$33.33M$33.09M$31.33M$30.34M$30.24M$29.12M
    Interest Expense$11.95M$12.13M$12.93M$11.39M$11.31M$11.73M$12.86M$12.93M$11.88M$11.29M$10.64M$9.46M
    Income Before Tax$17.43M$335,000$5.39M$8.02M$7.53M$7.70M$10.12M$7.81M$7.48M$6.46M$5.92M$9.44M
    Income Tax Expense$3.37M$62,000$926,000$1.46M$1.42M$1.41M$1.95M$1.45M$1.37M$1.15M$1.66M$1.85M
    Net Income$14.06M$273,000$4.47M$6.55M$6.12M$6.29M$8.17M$6.37M$6.11M$5.31M$4.26M$7.59M
    EBITDA$18.78M$1.40M$6.38M$8.86M$8.47M$8.59M$10.99M$8.73M$8.32M$7.40M$7.14M$10.44M
    EBIT$17.43M$335,000$5.39M$8.02M$7.53M$7.70M$10.12M$7.81M$7.48M$6.46M$5.92M$9.44M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Citizens & Northern (NASDAQ: CZNC) director reinvests dividend in shares

    Citizens & Northern (NASDAQ: CZNC) director Katherine W. Shattuck acquired 102 shares of common stock on August 14, 2026, through a dividend reinvestment plan. The shares were purchased at $25.89 each, increasing her direct holdings to 10,703 shares. This transaction is classified as a plan-related acquisition and was reported in a Form 4 filing.

    Stock Titan•8/25/26•
    Neutral

    Citizens & Northern (NASDAQ: CZNC) director adds 110 DRIP shares

    Helen S. Santiago, a director at Citizens & Northern Corp (CZNC), acquired 110 shares through a dividend reinvestment plan on August 14, 2026. The shares were purchased at $25.89 each, increasing her direct holdings to 11,187 shares and indirect holdings as custodian. This transaction was automatically executed as part of the company's dividend reinvestment plan.

    Stock Titan•8/25/26•
    Neutral

    Citizens & Northern (NASDAQ: CZNC) insider details 98,102 direct shares

    Christian C. Trate, a director at Citizens & Northern (CZNC), reported selling 560 shares of common stock on August 3, 2026, at $25.2101 per share through an indirectly held trustee account. Following this transaction, he retains 4,798 shares in that account, 6,143 shares in a Beneficiary IRA, and 98,102 shares directly owned. The direct holdings include 70,360 shares previously held by a corporation and distributed to him in June 2026.

    Stock Titan•8/25/26•
    Neutral

    Citizens & Northern (NASDAQ: CZNC) director adds dividend reinvestment shares

    Citizens & Northern (NASDAQ: CZNC) director Robert G. Loughery acquired 114 shares of common stock at $25.89 per share on August 14, 2026, through a dividend reinvestment plan. Following this transaction, Loughery directly holds 12,250 common shares, with additional indirect holdings through his spouse and child. The filing indicates this was an "other acquisition" and not part of a Rule 10b5-1 trading plan.

    Stock Titan•8/25/26•
    Somewhat-Bullish

    Citizens & Northern (NASDAQ: CZNC) director lifts stake to 51,647 shares

    Citizens & Northern (NASDAQ: CZNC) director Frank G. Pellegrino acquired 539 shares of common stock on August 14, 2026, through a dividend reinvestment plan. This transaction, valued at $25.89 per share, increased his direct holdings to 51,647 shares. The acquisition was reported in a Form 4 filing and is categorized as an "other" acquisition rather than a market purchase or sale.

    Stock Titan•8/25/26•
    Somewhat-Bullish

    Frequently Asked Questions About CZNC

    What is CZNC's current dividend yield?
    Citizens & Northern Corp (CZNC) has a current dividend yield of 4.42%.
    Does CZNC pay dividends?
    Yes, Citizens & Northern Corp pays dividends with a current yield of 4.42%.
    What is CZNC's P/E ratio?
    Citizens & Northern Corp has a price-to-earnings (P/E) ratio of 13.70.
    What is CZNC's market cap?
    Citizens & Northern Corp (CZNC) has a market capitalization of $454.47M with a current stock price of $25.34.

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