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Citizens & Northern Corporation (CZNC)
25.39  -0.04 (-0.16%)    07-31 16:00
Open: 25.43
High: 25.46
Volume: 72,300
  
Pre. Close: 25.43
Low: 25.21
Market Cap: 455(M)
Technical analysis
2026-07-31 4:43:17 PM
Short term     
Mid term     
Targets 6-month :  30.14 1-year :  35.21
Resists First :  25.8 Second :  30.14
Pivot price 23.96
Supports First :  23.69 Second :  22.37
MAs MA(5) :  25.11 MA(20) :  23.72
MA(100) :  22.31 MA(250) :  20.92
MACD MACD :  0.7 Signal :  0.5
%K %D K(14,3) :  87 D(3) :  87.3
RSI RSI(14): 72.4
52-week High :  25.8 Low :  17.45
Price, MAs and Bollinger Bands

Price has closed above its short-term moving average. Short-term moving average is currently above mid-term; and above long-term moving average. From the relationship between price and moving averages: This stock is BULLISH in short-term; and BULLISH in mid-long term.
[ CZNC ] has closed below upper band by 10.1%. Bollinger Bands are 78.3% wider than normal. The large width of the bands suggest high volatility as compared to its normal range. The bands have been in this wide range for 2 days. This is a sign that the current trend might continue.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 25.5 - 25.63 25.63 - 25.73
Low: 24.91 - 25.05 25.05 - 25.16
Close: 25.19 - 25.4 25.4 - 25.58
Company Description

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.

Headline News

Sun, 02 Aug 2026
Opinion | De-ICE Citizens Bank: A Model of a Successful Civil Resistance Campaign - Common Dreams

Sun, 02 Aug 2026
Community support matters in senior food insecurity crisis - Pensacola News Journal

Sun, 02 Aug 2026
Canton Police Chief John Gabbard thanks Citizens Academy grads | Video - Canton Repository

Sat, 01 Aug 2026
US urges its citizens in Middle East to be ready to leave in case of escalation in region - bbc.com

Fri, 31 Jul 2026
Clayton & Ellen Kershaw named 2026 Citizens of the Year - City of University Park, TX

Fri, 31 Jul 2026
Historic naturalization ceremony welcomes nearly 300 new US citizens at Red Rocks - 9News

Financial Analysis
Price to Book Value:
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Neutral
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Underperform
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Neutral
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Underperform
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Neutral
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Underperform
Stock Basics & Statistics
Exchange:
NASDAQ
Sector:
Financial Services
Industry:
Banks - Regional
Shares Out 18 (M)
Shares Float 17 (M)
Held by Insiders 4.1 (%)
Held by Institutions 31.7 (%)
Shares Short 333 (K)
Shares Short P.Month 294 (K)
Stock Financials
EPS 1.47
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 18.73
Profit Margin 19.9 %
Operating Margin 42.2 %
Return on Assets (ttm) 0.8 %
Return on Equity (ttm) 8 %
Qtrly Rev. Growth 53.2 %
Gross Profit (p.s.) 7.1
Sales Per Share 7.1
EBITDA (p.s.) 0
Qtrly Earnings Growth 100 %
Operating Cash Flow 0 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 17.27
PEG Ratio 1.2
Price to Book value 1.35
Price to Sales 3.57
Price to Cash Flow 0
Stock Dividends
Dividend 0.28
Forward Dividend 0
Dividend Yield 1.1%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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