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Citizens & Northern(NASDAQ) CZNC

Market Cap$465.95MMarket 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)+2,258%
5 Year+34%
1 Year+41%
1 Month+14%
$25.94
-0.25%
-0.07Today
After hours$26.19+$0.25 (+0.98%)
Citizens & Northern last closing stock price
MetricPriceDate
Last closeUSD 25.982026-08-14
Citizens & Northern stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.44%USD 25.362026-08-07
1 month+13.82%USD 22.832026-07-15
3 month+29.73%USD 20.032026-05-15
Year to date+33.53%USD 19.462025-12-31
1 year+40.9%USD 18.442025-08-14
3 year+57.24%USD 16.522023-08-15
5 year+33.8%USD 19.422021-08-13
Since inception+2,257.86%USD 1.101990-10-23

Citizens & Northern Financials at a Glance

Market Cap

$465.95MMarket 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

17.56

Dividend

$1.12

Beta (Volatility)

0.54 (Low)

Price

$25.94

Volume

78,089.425

Open

$26.00

Previous Close

$25.98

Daily Range

$25.53 - $26.25

52-Week Range

$18.87 - $26.26

Estimated Earnings Date

Oct 22, 2026

CZNC News

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Sean WilliamsMay 9, 2016

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About Citizens & Northern

Citizens & Northern helps people and businesses manage their money. It makes home and business loans and keeps deposits safe. The company also helps families plan for their future.

More Than Just Savings

  • Lending Services: Home, business, and personal loans including payment guarantees for commercial clients.
  • Deposit Accounts: Standard checking, savings, and certificates of deposit, which offer fixed interest for set terms.
  • Wealth Management: Retirement and estate planning services along with professional investment management for individuals.
  • Insurance and Brokerage: Protection for homes and businesses plus investment options like mutual funds and annuities.

Growing the Neighborhood

  • Completed a merger with Susquehanna Community Financial, Inc. on October 1, 2025, to add seven new banking offices.
  • Expanded into Bucks and Chester Counties by acquiring Covenant Financial, Inc. on July 1, 2020.
  • Entered the Southeastern Pennsylvania market after buying Monument Bancorp, Inc. in 2019.
  • Opened new full-service branch locations in York and Lancaster during 2021 to reach more customers.

Small Town Roots, Regional Reach

The bank operates a network of 35 branches throughout Pennsylvania and New York to build local relationships. Its diverse mix of services ensures it does not depend on any single type of industry or group of customers.

The Latest Financial Tally

  • Net interest income, which is the profit from lending versus deposit costs, reached $91.9 million in 2025, rising 16.1% from 2024.
  • Total assets grew to $3.1 billion by December 31, 2025, up 89% from the end of 2019.
  • Deposits totaled $2.6 billion at the end of 2025, more than double the balance recorded in 2019.
  • Noninterest income, including service fees and trust revenue, hit $30.9 million in 2025, up $1.6 million from 2024.

Evolution into a Regional Player

Citizens & Northern has transformed from a local bank into a broader regional institution through steady acquisitions. This growth has allowed it to reach new markets while offering a more diverse range of financial products.

AI Generated • May 7, 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

5.69%

Dividend Yield

4.31%

Payout Ratio

69.50%

Stock Overview

Market Cap

$465.95MMarket 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

78.09K

Avg. Volume

65.77K

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

$465.95MMarket 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

$1.01M

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%

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Questions About CZNC

What is the current price of Citizens & Northern?

Citizens & Northern is trading at $25.98 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 4.31%.

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