Citizens & Northern Corp(CZNC) Price Forecast & Company Analysis. P/E · Dividend · Earnings · Price Target · RSI · MACD | US Stocks Today
Full metrics table
| Index | RUT | P/E | 14.11 | EPS (ttm) | 1.97 | Insider Own | 5.34% | Shs Outstand | 17.9M | Perf Week | 8.35% |
| Market Cap | 0.50B | Forward P/E | 10.12 | EPS next Y | 26.73% | Insider Trans | -0.08% | Shs Float | 17.0M | Perf Month | 8.92% |
| Enterprise Value | - | PEG | - | EPS next Q | 0.68 | Inst Own | 33.41% | Short Float | 1.93% | Perf Quarter | 11.14% |
| Income | 0.04B | P/S | 2.48 | EPS this Y | 17.3% | Inst Trans | 2.92% | Short Ratio | 5.11 | Perf Half Y | 17.72% |
| Sales | 0.20B | P/B | 1.46 | EPS next 5Y | - | ROA | 1.21% | Short Interest | 0.33M | Perf YTD | 38.03% |
| Book/sh | 19.13 | P/C | - | EPS past 3/5Y | -5.13% 2.38% | ROE | 11% | 52W High | -1.66% ($28.31) | Perf Year | 42.48% |
| Cash/sh | - | P/FCF | 11.96 | Sales past 3/5Y | 13.25% 10.83% | ROIC | 6.98% | 52W Low | 47.54% ($18.87) | Perf 3Y | 58.27% |
| Dividend Est. | $1.12 (4.02%) | EV/EBITDA | - | EPS Y/Y TTM | 12.79% | Gross Margin | - | Volatility(W/M) | 2.86% 2.39% | Perf 5Y | 8.75% |
| Dividend TTM | 1.12 | EV/Sales | - | Sales Y/Y TTM | 25.09% | Oper. Margin | 25.03% | ATR (14) | 0.61 | Perf 10Y | 33.22% |
| Dividend Ex-Date | 2026/11/2 | Quick Ratio | - | EPS Q/Q | 116.87% | Profit Margin | 17.39% | RSI (14) | 72.9 | Recom | 3 |
| Dividend Gr. 3/5Y | - 0.73% | Current Ratio | 0.07 | Sales Q/Q | 26.09% | SMA20 | 7.97% ($25.78) | Beta | 0.4 | Target Price | $27 |
| Payout | 76.85% | Debt/Eq | 0.48 | Earnings | 2026/10/22 | SMA50 | 8.11% ($25.75) | Rel Volume | 1.27 | Prev Close | $28.15 |
| Employees | 460 | LT Debt/Eq | 0.46 | EPS/Sales Surpr. | 35.29% -6.43% | SMA200 | 18.67% ($23.46) | Avg Volume(3M) | 0.06M | Price | $27.84 |
| IPO | 1994/4/5 | Option/Short | Yes/Yes | Trades | 1235 | Volume | 81,567 | Change | -1.1% |
Citizens & Northern is CZNC, a regional bank holding company based in the northeastern United States. It operates a traditional community banking model centered on deposit gathering and lending, with a diversified loan portfolio consisting of residential mortgages, commercial real estate, and commercial & industrial (C&I) loans. Backed by a locally focused branch network and a stable deposit base, the company maintains a revenue structure driven primarily by net interest margin.
Over the past 1 year, on the higher side
2% below its 1-year high.
Traded more than usual. That is 127% of its average volume.
Ex-dividend date: November 2
5 days to go. Buy before this date to receive the dividend.
CZNC makes money exceptionally well
Of every $100 in sales, $25.03 is kept as operating profit.
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Earnings are growing steadily
Earnings are expected to grow by +17.3% this year.
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The price is about the industry average
For a company earning $100 a year, you would pay $1,411. Peers typically go for $1,191. Compared with its own 5-year average, it is 52% pricier now.
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Results came in about as expected
Mixed beats and misses
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Opinions on the outlook are split
Analyst sentiment is Hold.
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Holding long would have paid off
Bought 5 years ago, your return today would be +8.8%. The S&P 500 did +70% over the same period.
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Dividends are paid consistently
Pays 4.02% annually in dividends.
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Ownership looks stable
Institutions hold 33.4%.
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Multiple ETFs hold this stock, but only a sliver
Buying this ETF gives you exposure to this stock as well.
SMLV State Street SPDR US Small Cap Low Volatility Index ETF <0.01% 
DGRS WisdomTree U.S. SmallCap Quality Dividend Growth Fund <0.01% 
QABA First Trust NASDAQ ABA Community Bank Index Fund <0.01% 
APRJ Innovator Premium Income 30 Barrier ETF - April <0.01% 
BAPR Innovator U.S. Equity Buffer ETF - April <0.01% It ranks #215 of 322 in the industry
Based on market cap of $499M.
WTBA#212 West Bancorporation $519M PER 13.6 
OBT#213 Orange County Bancorp Inc $516M PER 10.8 
FMAO#214 Farmers & Merchants Bancorp Inc $502M PER 11.8 CZNC#215 Citizens & Northern Corp $499M PER 14.1 
PBAM#216 Private Bancorp of America Inc $488M PER 10.6 
FAQ
What kind of company is CZNC?
CZNC belongs to the Financial sector and operates in the Banks - Regional industry.
What is the market cap of CZNC?
The market cap of CZNC is approximately $499M, ranking 3,158 within its sector.
Does CZNC pay dividends?
CZNC has a dividend yield of approximately 4.02%, with an annual dividend of $1.12.
What is the P/E ratio of CZNC?
CZNC has a P/E ratio of approximately 14.1x, which can be used to assess its valuation relative to the Financial sector average.
What is the 52-week high and low for CZNC?
CZNC has recorded a 52-week high of $28.31 and a low of $18.87.
