









Markets
/
Stocks
/
nasdaq-cznc
/

Citizens & Northern Corp

CZNC

20.550USD

+0.530+2.65%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

318.83MMarket Cap

11.93P/E TTM



Citizens & Northern Corp

20.550

+0.530+2.65%

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

Currency: USD Updated: 2025-09-18

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered undervalued,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.

Score

Industry at a Glance

Industry Ranking

111 / 400

Overall Ranking

208 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 1 analysts

Hold

Current Rating

21.000

Target Price

+4.90%

Upside Space

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

Company 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%.

Overvalued

The company’s latest PB is 1.11, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 5.97M shares, decreasing 1.96% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 804.89K 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: 2025-09-18

The company's current financial score is 7.82, which is higher than the Banking Services industry's average of 7.07. 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

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.80, which is higher than the Banking Services industry's average of 1.34. Its current P/E ratio is 11.47, which is -1.78% below the recent high of 11.26 and 5.95% above the recent low of 10.79.

Score

Industry at a Glance

Previous score

1.80

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 111/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for Citizens & Northern Corp is 21.00, with a high of 21.00 and a low of 21.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 1 analysts

Hold

Current Rating

21.000

Target Price

+4.90%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Citizens & Northern Corp

CZNC

Bank of America Corp

BAC

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

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: 2025-09-18

The company’s current price momentum score is 7.22, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 20.77 and the support level at 19.20, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.22

Change

1.7

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(1)

Neutral(2)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

-0.040

Neutral

RSI(14)

59.720

Neutral

STOCH(KDJ)(9,3,3)

57.008

Buy

ATR(14)

0.459

Low Volatility

CCI(14)

112.807

Buy

Williams %R

15.873

Overbought

TRIX(12,20)

0.141

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

20.098

Buy

MA10

20.101

Buy

MA20

20.151

Buy

MA50

19.628

Buy

MA100

19.325

Buy

MA200

19.647

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 38.45%, representing a quarter-over-quarter decrease of 0.03%. The largest institutional shareholder is The Vanguard, holding a total of 804.89K shares, representing 5.19% of shares outstanding, with 0.10% increase 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.

1.11M

-0.15%

The Vanguard Group, Inc.

Star Investors

817.66K

+2.22%

Dimensional Fund Advisors, L.P.

577.04K

+3.35%

Geode Capital Management, L.L.C.

357.80K

+4.08%

Citizens & Northern Corp

334.65K

-1.19%

State Street Global Advisors (US)

316.35K

-1.09%

Scovill (J Bradley)

129.88K

+0.38%

Northern Trust Investments, Inc.

121.77K

-2.75%

Pennsylvania Capital Management, Inc.

102.39K

-1.57%

Stone House Investment Management, LLC

98.64K

+95.07%

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 6.11, which is higher than the Banking Services industry's average of 5.23. 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.