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Citizens & Northern Corp

CZNC

19.270USD

+0.230+1.21%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

298.97MMarket Cap

11.19P/E TTM



Citizens & Northern Corp

19.270

+0.230+1.21%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Citizens & Northern Corp

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Citizens & Northern Corp's Score

Industry at a Glance

Industry Ranking

170 / 407

Overall Ranking

255 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 2 analysts

Hold

Current Rating

21.500

Target Price

+12.92%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Citizens & Northern Corp Highlights

StrengthsRisks

Citizens & Northern Corporation is a holding company whose principal activity is community banking. The Company's subsidiaries include Citizens & Northern Bank (the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company (Bucktail). The Bank is a Pennsylvania banking institution, which provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. It operates over 29 branch offices, including 22 in the Northern tier/Northcentral region of Pennsylvania, one in the Southern tier of New York State, four in Southeastern Pennsylvania and two in Southcentral Pennsylvania. The Bank also has a lending office in Elmira, New York.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 66.83%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 66.83%.

Undervalued

The company’s latest PB is 1.04, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 5.25M shares, decreasing 2.55% quarter-over-quarter.

Held by PRFDX

Star Investor PRFDX holds 1.30K shares of this stock.

Higher Market Activity

The company has more investor interest, with a 20-day turnover ratio of 0.70.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 7.82, which is higher than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 26.79M, representing a year-over-year increase of 7.53%, while its net profit experienced a year-over-year increase of 0.03%.

Score

Industry at a Glance

Previous score

7.82

Change



Financials

6.01

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

9.22

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

9.35

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.78

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

8.75

Key Metrics

Free cash flow

No Data

Citizens & Northern Corp's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 6.72, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 11.04, which is 31.52% below the recent high of 14.52 and 13.79% above the recent low of 9.52.

Score

Industry at a Glance

Previous score

6.72

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 170/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.41. The average price target for Citizens & Northern Corp is 21.50, with a high of 22.00 and a low of 21.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 2 analysts

Hold

Current Rating

21.500

Target Price

+12.92%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Citizens & Northern Corp

CZNC

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 6.20, which is lower than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 19.76 and the support level at 18.87, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

5.81

Change

0.39

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(3)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.011

Sell

RSI(14)

47.430

Neutral

STOCH(KDJ)(9,3,3)

26.505

Neutral

ATR(14)

0.360

High Vlolatility

CCI(14)

-64.888

Neutral

Williams %R

65.115

Sell

TRIX(12,20)

-0.087

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(5)

Neutral(0)

Buy(1)

Indicators

Value

Direction

MA5

19.148

Buy

MA10

19.294

Sell

MA20

19.327

Sell

MA50

19.670

Sell

MA100

19.530

Sell

MA200

19.696

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 29.49%, representing a quarter-over-quarter decrease of 23.31%. The largest institutional shareholder is The Vanguard, holding a total of 804.89K shares, representing 4.52% of shares outstanding, with 12.77% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

1.07M

-3.78%

The Vanguard Group, Inc.

Star Investors

804.89K

-1.56%

Dimensional Fund Advisors, L.P.

588.28K

+1.95%

Geode Capital Management, L.L.C.

365.61K

+2.18%

Citizens & Northern Corp

323.15K

-3.44%

State Street Investment Management (US)

315.94K

-0.13%

Scovill (J Bradley)

130.38K

+0.39%

Northern Trust Investments, Inc.

117.13K

-3.81%

Pennsylvania Capital Management, Inc.

102.39K

Hughes (Mark A)

87.99K

+2.23%

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 5.68, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.57. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.