Citizens & Northern Stock
Citizens & Northern Corporation
Company data
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- United States
- CEO
- J. Bradley Scovill
- Employees
- 460
- Market cap
- $457 M
- IPO
- 05/04/1994
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer…
Citizens & Northern stock: price history
1D
+0.6%
1W
+2.2%
1M
-1.8%
6M
+7.5%
YTD
+26.4%
1Y
+34.1%
2Y
+27.0%
5Y
-2.5%
10Y
+17.7%
Next earnings date
Next earnings date
22/10/2026 (in 5 days)
Volatility around earnings
~17% weaker price swings than usual
Citizens & Northern stock scores
- Valuation
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- Trend
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- Quality
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- Dividend
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- Growth
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- Insider
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- Earnings
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- Revisions
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- Sentiment
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- Short Pressure
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Deterministically calculated from financial metrics, not investment advice. Updated nightly, last on 13/10/2026.
Business model & megatrends
Average business model without a clear megatrend link or with mixed signals.
3 more assignments (Enabler/Second row) Pro-only.
Citizens & Northern Corporation operates as a holding company for Citizens & Northern Bank and provides a comprehensive range of financial services. The core business encompasses lending, with loans for both retail and commercial customers, as well as deposit-taking through various savings accounts, checking accounts, and certificates of deposit. Complementing this are wealth management services, insurance brokerage, and reinsurance products. Operations are regionally rooted in Pennsylvania and New York and rely primarily on the spread between interest expenses on deposits and interest income from loans, as well as fees from payment services.
- Revenue model
- Interest spread
- Recurring revenue
- High
- Pricing power
- Weak
- Moat
- Narrow
- Moat type
- Switching costs
- Capital intensity
- High
- Customer concentration
- Unknown
Ask the agents about Citizens & Northern
Analyst assessment of Citizens & Northern
PRICE TARGET LOW
US$23.50
CONSENSUS
US$23.50
MEDIAN
US$23.50
PRICE TARGET HIGH
US$23.50
0
STRONG BUY
0
BUY
1
HOLD
0
SELL
0
STRONG SELL
1
TOTAL · Hold
As of: 29/01/2026
Citizens & Northern stock metrics
P/E
17.28
P/B
1.3
EV/EBITDA
33.99
RETURN ON EQUITY
4.1%
NET MARGIN
35.9%
DEBT/EQUITY
0.49
DIVIDEND YIELD
4.4%
AS OF
30/06/2026
Free float & liquidity
FREE FLOAT
94.7%
FLOAT SHARES
16,977,894
AVG. DAILY VOLUME (30D)
54,238
Insider transactions (SEC)
Pellegrino Frank G
Shattuck Katherine W
Pellegrino Frank G
Shattuck Katherine W
SINGER AARON K
Attention
Price since yesterday: +0.6%
Search (Google Trends)
Institutional holders
Dividends & Stock splits
Dividends
Stock splits
Comparable stocks
Frequently asked questions about Citizens & Northern stock
What does Citizens & Northern do?
Citizens & Northern Corporation is a company in the Financial Services sector, Banks - Regional industry, headquartered in United States.
The CEO is J. Bradley Scovill, the company employs around 460 people.
The IPO was on 05/04/1994; the stock trades on NASDAQ under the ticker CZNC.
What do analysts say about Citizens & Northern stock?
1 analysts rate the stock, the consensus is Hold (as of 29/01/2026).
The average price target is US$23.50, ranging from US$23.50 to US$23.50, with a median of US$23.50.
This is an external assessment, not a statement by Market Jury.
When does Citizens & Northern report next?
The next earnings date is 22/10/2026.
Around past earnings, price swings were roughly -17% stronger than usual.
Does Citizens & Northern pay a dividend?
Yes. The last dividend was US$0.28 per share, ex-date 03/08/2026, paid on 14/08/2026.
The dividend yield is 4.4% (as of 30/06/2026).
Which stocks are comparable to Citizens & Northern?
Comparable stocks include U.S. Bancorp, PNC Financial Services Group, Truist Financial, Fifth Third Bancorp, M&T Bank, Huntington Bancshares, Citizens Financial Group and Regions Financial.
How can I get Citizens & Northern stock analyzed?
Clicking "Analyze stock" lets five strategies assess Citizens & Northern against fixed, published rules and judge it bullish, neutral or bearish. The jury states where it disagrees. A free account starts with 5 credits, a quick check costs 1 credit, a full analysis 2 credits.
Not investment advice. Past performance is not an indicator of future results.