Citizens & Northern Corp

CZNC

23.490USD

-0.030-0.13%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

Citizens & Northern Corp's Score

Industry at a Glance

Industry Ranking

115 / 397

Overall Ranking

174 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

Citizens & Northern Corp Highlights

StrengthsRisks

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank (the Bank). The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. It operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production office in Elmira, New York.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 25.81% year-on-year.

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%.

Overvalued

The company’s latest PB is 1.24, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 5.34M shares, decreasing 0.01% quarter-over-quarter.

Held by PRFDX

Star Investor PRFDX holds 1.41K shares of this stock.

Higher Market Activity

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

Analyst Rating

Based on 1 analysts

Hold

Current Rating

23.500

Target Price

-0.51%

Upside Space

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

The current financial score of Citizens & Northern Corp is 8.45, ranking 109 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 36.83M, representing a year-over-year increase of 39.44%, while its net profit experienced a year-over-year increase of 45.24%.

Score

Industry at a Glance

Previous score

8.45

Change

0



Financials

6.80

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

6.88

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.57

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

The current valuation score of Citizens & Northern Corp is 6.72, ranking 333 out of 397 in the Banking Services industry. Its current P/E ratio is 13.39, which is 8.39% below the recent high of 14.52 and 28.95% above the recent low of 9.52.

Score

Industry at a Glance

Previous score

6.72

Change

0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 115/397

Relevant data have not been disclosed by the company yet.

The current earnings forecast score of Citizens & Northern Corp is 6.00, ranking 272 out of 397 in the Banking Services industry. The average price target 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

0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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

The current price momentum score of Citizens & Northern Corp is 9.25, ranking 168 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 24.95 and the support level at 21.11, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.34

Change

-0.09

Support & Resistance

Relevant data have not been disclosed by the company yet.

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Citizens & Northern Corp is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 30.21%, representing a quarter-over-quarter decrease of 12.76%. The largest institutional shareholder is The Vanguard, holding a total of 884.95K shares, representing 4.97% of shares outstanding, with 5.91% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

1.05M

-2.03%

The Vanguard Group, Inc.

Star Investors

823.06K

+2.26%

Dimensional Fund Advisors, L.P.

585.75K

-0.43%

Geode Capital Management, L.L.C.

365.81K

+0.05%

Citizens & Northern Corp

321.09K

-0.64%

State Street Investment Management (US)

318.01K

+0.66%

Scovill (J Bradley)

130.89K

+0.39%

Northern Trust Investments, Inc.

113.78K

-2.86%

Pennsylvania Capital Management, Inc.

102.39K

--

Hughes (Mark A)

87.99K

+2.23%



1

2



The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Citizens & Northern Corp is 7.05, ranking 196 out of 397 in the Banking Services industry. The company's beta value is 0.53. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

Citizens & Northern Corp

CZNC

7.18 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

East West Bancorp Inc

EWBC

8.92 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Citizens Financial Group Inc

CFG

8.81 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Shinhan Financial Group Co Ltd

SHG

8.77 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Wintrust Financial Corp

WTFC

8.73 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

GATX Corp

GATX

8.68 /10

Score

Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment