Indicators
Indicators
Value
Direction
MACD(12,26,9)
-0.446
Sell
RSI(14)
26.565
Sell
STOCH(KDJ)(9,3,3)
7.352
Oversold
ATR(14)
0.634
High Vlolatility
CCI(14)
-117.097
Sell
Williams %R
98.580
Oversold
TRIX(12,20)
-0.371
Sell
StochRSI(14)
0.000
Oversold
Search
Citizens & Northern Corp
CZNCAdd to Watchlist
20.250USD
-0.510-2.46%
Close 05/15, 16:00（ET）Quotes delayed by 15 min
362.81MMarket Cap
19.00P/E TTM
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: 2026-05-15Key Insights
Citizens & Northern Corp's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 171 out of 394 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Hold, with the highest price target at 24.00.In the medium term, the stock price is expected to trend down.Despite a weak stock market performance over the past month, the company shows strong 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
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 18.09% 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%.
Fairly Valued
The company’s latest PB is 1.08, at a medium 3-year percentile range.
Institutional Buying
The latest institutional holdings are 5.53M shares, increasing 1.11% quarter-over-quarter.
Held by PRFDX
Star Investor PRFDX holds 1.66K shares of this stock.
Analyst Rating
Based on
1
analysts
Hold
Current Rating
24.000
Target Price
+15.61%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Financial Health
Currency: USD Updated: 2026-05-15The current financial score of Citizens & Northern Corp is 5.14, ranking 335 out of 394 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 34.55M, representing a year-over-year increase of 36.05%, while its net profit experienced a year-over-year increase of 95.63%.
Score
Financials
6.83
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
2.53
Operational Efficiency
2.84
Growth Potential
8.39
Shareholder Returns
5.10
Citizens & Northern Corp's Company Valuation
Currency: USD Updated: 2026-05-15The current valuation score of Citizens & Northern Corp is 6.72, ranking 325 out of 394 in the Banking Services industry. Its current P/E ratio is 19.00, which is 6.36% below the recent high of 20.21 and 49.91% above the recent low of 9.52.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 171/394
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2026-05-15The current earnings forecast score of Citizens & Northern Corp is 6.00, ranking 280 out of 394 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
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
1
analysts
Hold
Current Rating
24.000
Target Price
+15.61%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
308
Total
4
Median
5
Average
Company name
Ratings
Analysts
Citizens & Northern Corp
CZNC
1
JPMorgan Chase & Co
JPM
27
Bank of America Corp
BAC
27
Wells Fargo & Co
WFC
26
US Bancorp
USB
23
PNC Financial Services Group Inc
PNC
23
1
2
3
...
62
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.
Price Momentum
Currency: USD Updated: 2026-05-15The current price momentum score of Citizens & Northern Corp is 6.59, ranking 283 out of 394 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 22.77 and the support level at 18.97, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
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.
Moving Average
Indicators
Value
Direction
MA5
20.762
Sell
MA10
21.222
Sell
MA20
22.145
Sell
MA50
22.350
Sell
MA100
22.186
Sell
MA200
20.988
Sell
Institutional Confidence
Currency: USD Updated: 2026-05-15The current institutional shareholding score of Citizens & Northern Corp is 3.00, ranking 252 out of 394 in the Banking Services industry. The latest institutional shareholding proportion is 30.87%, representing a quarter-over-quarter increase of 2.18%. The largest institutional shareholder is James Simons, holding a total of 52.85K shares, representing 0.29% of shares outstanding, with 10.44% decrease in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Risk Assessment
Currency: USD Updated: 2026-05-15The 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 194 out of 394 in the Banking Services industry. The company's beta value is 0.42. 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.
Score
Beta vs S&P 500 index
0.41
VaR
+2.96%
240-Day Maximum Drawdown
+15.31%
240-Day Volatility
+25.86%
Return
Best Daily Return
60 days
+2.57%
120 days
+4.39%
5 years
+8.93%
Worst Daily Return
60 days
-4.23%
120 days
-4.23%
5 years
-8.85%
Sharpe Ratio
60 days
-2.38
120 days
+0.49
5 years
+0.14
Risk Assessment
Maximum Drawdown
240 days
+15.31%
3 years
+28.20%
5 years
+39.91%
Return-to-Drawdown Ratio
240 days
+0.70
3 years
+0.05
5 years
-0.09
Skewness
240 days
+0.02
3 years
+0.11
5 years
+0.25
Volatility
Realised Volatility
240 days
+25.86%
5 years
+32.04%
Standardised True Range
240 days
+2.44%
5 years
+2.84%
Downside Risk-Adjusted Return
120 days
+70.26%
240 days
+70.26%
Maximum Daily Upside Volatility
60 days
+18.91%
Maximum Daily Downside Volatility
60 days
+20.05%
Liquidity
Average Turnover Rate
60 days
+0.27%
120 days
+0.32%
5 years
--
Turnover Deviation
20 days
+0.79%
60 days
+10.79%
120 days
+34.37%
Peer Comparison
Banking Services
Citizens & Northern Corp
CZNC
5.82 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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RY
8.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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PB
8.47 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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EWBC
8.42 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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SYF
8.38 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
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Score
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