Accessibility Menu
Citizens & Northern logo

Citizens & Northern(NASDAQ) CZNC

Market Cap$468.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+2,270%
5 Year+35%
1 Year+35%
1 Month+3%
Premium Feature
Moneyball Superscore
50/100
$26.09
+1.01%
+0.26Today
After hours$26.07-$0.02 (-0.08%)
Citizens & Northern last closing stock price
MetricPriceDate
Last closeUSD 26.112026-09-04
Citizens & Northern stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.23%USD 25.542026-08-28
1 month+3.45%USD 25.242026-08-05
3 month+23.66%USD 21.112026-06-05
Year to date+34.19%USD 19.462025-12-31
1 year+34.5%USD 19.412025-09-04
3 year+68.38%USD 15.512023-09-05
5 year+35.12%USD 19.322021-09-03
Since inception+2,269.65%USD 1.101990-10-23

Citizens & Northern Financials at a Glance

Market Cap

$468.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$164.34M

Net Income (TTM)

$25.35M

EPS (TTM)

$1.48

P/E Ratio

17.65

Dividend

$1.12

Beta (Volatility)

0.54 (Low)

Price

$26.09

Volume

34,122.112

Open

$25.74

Previous Close

$26.11

Daily Range

$25.68 - $26.17

52-Week Range

$18.87 - $26.26

Estimated Earnings Date

Oct 22, 2026

CZNC News

17283526416_a5327bfdd5_z

4 Unknown Dividend Stocks Yielding 5% or Higher That Retirees Should Consider Buying

Sean WilliamsMay 9, 2016

CZNC: Motley Fool Moneyball Superscore

50

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Citizens & Northern

Citizens & Northern Corporation helps families and businesses manage their money. It provides loans to help people buy homes and grow companies. The bank also offers tools for saving and insurance for protection.

Banking for People and Businesses

  • Commercial Lending: Loans for business real estate and industrial operations; commercial loans represented 76% of the total loan portfolio at June 30, 2026.
  • Residential Mortgages: Home loans for individuals and families; these accounted for 19% of the total loan portfolio at June 30, 2026.
  • Wealth Management: Professional handling of trusts, estates, and retirement plans for individuals and employers.
  • Deposit Products: A variety of checking, savings, and retirement accounts for personal and business customers.
  • Insurance and Brokerage: Sales of insurance policies and investment products like mutual funds and annuities.

Strategic Moves and Mergers

  • Completed the acquisition of Susquehanna Community Financial on Oct. 1, 2025.
  • Added seven banking offices in four Pennsylvania counties through the 2025 Susquehanna merger.
  • Integrated former Susquehanna brokerage accounts into the corporate wealth management platform during the first half of 2026.
  • Recorded $393.6 million in loans and $501.5 million in deposits from the Susquehanna acquisition.

Regional Focus and Diverse Revenue

The company focuses on regional markets across Northern Pennsylvania and parts of Southern New York. It uses a mix of traditional banking and fee-based services like wealth management to support its business operations.

Measuring the Money

  • Net income was $14.1 million in the second quarter of 2026, up from $6.1 million in the second quarter of 2025.
  • Net interest income, which is the profit from loans after paying for deposits, was $29.6 million in the second quarter of 2026.
  • The provision for credit losses, which is money set aside for potential loan defaults, was $11.8 million for the six months ended June 30, 2026.
  • Total deposits reached $2.6 billion at June 30, 2026, up $39 million from Dec. 31, 2025.
  • Basic and diluted earnings per common share were $0.79 in the second quarter of 2026.

Bottom Line

Citizens & Northern has expanded its Pennsylvania presence through the 2025 Susquehanna acquisition. The company has evolved into a diversified financial institution that combines community banking with wealth and insurance services.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

460

CEO

J. Bradley Scovill

Website

www.cnbankpa.com

Headquarters

Wellsboro, PA 16901, US

CZNC Financials

Key Financial Metrics (TTM)

Gross Margin

51.76%

Operating Margin

8.16%

Net Income Margin

15.42%

Return on Equity

7.70%

Return on Capital

5.36%

Return on Assets

0.80%

Earnings Yield

5.67%

Dividend Yield

4.29%

Payout Ratio

69.50%

Stock Overview

Market Cap

$468.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.93M

Volume

34.12K

Avg. Volume

71.02K

Financials (TTM)

Gross Profit

$85.07M

Operating Income

$13.41M

EBITDA

$14.66M

Operating Cash Flow

$45.99M

Capital Expenditure

-$878.00K

Free Cash Flow

$45.11M

Cash & ST Invst.

$579.37M

Total Debt

$170.04M

Citizens & Northern Performance Analysis

Citizens & Northern annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 117,079,0006.1%
20232023-12-31USD 137,921,00017.8%
20242024-12-31USD 157,287,00014.0%
20252025-12-31USD 170,042,0008.1%
Citizens & Northern sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.6%
Q42025-12-31-10.9%
Q12026-03-3135.4%
Q22026-06-30-19.8%
Citizens & Northern annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.71-11.2%
20232023-12-31USD 1.57-7.9%
20242024-12-31USD 1.697.3%
20252025-12-31USD 1.46-13.6%
Citizens & Northern sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.0%
Q42025-12-31-40.5%
Q12026-03-31-93.8%
Q22026-06-304996.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$39.11M

-2.7%

Gross Profit

$13.37M

-49.6%

Gross Margin

34.20%

N/A

Market Cap

$468.28MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.02M

N/A

Employees

460

N/A

Net Income

$14.06M

+129.8%

EBITDA

-$1.02M

-112.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$579.37M

+68.8%

Total Debt

$170.04M

-7.7%

Accounts Receivable

$10.94M

+25.5%

Inventory

$0.00

N/A

Long Term Debt

$155.39M

-15.4%

Short Term Debt

$14.64M

+2647.3%

Return on Assets

0.80%

N/A

Return on Invested Capital

0.43%

N/A

Free Cash Flow

$15.61M

+94.5%

Operating Cash Flow

$15.42M

+81.2%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
CBANColony Bankcorp, Inc.
$21.75+1.12%
PLBCPlumas Bancorp
$63.24+0.91%
PCBPCB Bancorp
$28.14+0.29%
CZFSCitizens Financial Services, Inc.
$82.92-0.80%

Trending Stocks

Symbol / CompanyPricePrice Chg
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x ETF
$9.15-0.12%
NVDANvidia
$230.36+0.01%
PATHUiPath
$15.19-0.17%
INTCIntel
$95.80+0.05%

Questions About CZNC

What is the current price of Citizens & Northern?

Citizens & Northern is trading at $26.11 per share.

What is the 52-week range for Citizens & Northern?

Over the past 52 weeks, Citizens & Northern has traded between $18.87 and $26.26.

How much debt does Citizens & Northern have?

As of the most recent reporting period, Citizens & Northern reported total debt of $170.04M.

How much cash does Citizens & Northern have on hand?

Citizens & Northern does not have cash on hand data available.

What is Citizens & Northern’s dividend yield?

Citizens & Northern currently has a dividend yield of 4.29%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services