stoxline Quote Chart Rank Option Currency Glossary
  
Citizens & Northern Corporation (CZNC)
23.59  -0.05 (-0.21%)    04-14 16:00
Open: 23.74
High: 23.74
Volume: 33,339
  
Pre. Close: 23.64
Low: 23.495
Market Cap: 423(M)
Technical analysis
2026-04-14 3:43:33 PM
Short term     
Mid term     
Targets 6-month :  27.95 1-year :  32.64
Resists First :  23.93 Second :  27.95
Pivot price 22.76
Supports First :  22.23 Second :  21.19
MAs MA(5) :  23.64 MA(20) :  22.51
MA(100) :  21.66 MA(250) :  19.87
MACD MACD :  0.3 Signal :  0.1
%K %D K(14,3) :  88.8 D(3) :  92.6
RSI RSI(14): 67.5
52-week High :  24.12 Low :  17.27
Price, MAs and Bollinger Bands

Price has closed below 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 NEUTRAL in short-term; and BULLISH in mid-long term.
[ CZNC ] has closed below upper band by 17.2%. Bollinger Bands are 29.5% wider than normal. The current width of the bands does not suggest anything about the future direction or movement of prices.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 23.73 - 23.86 23.86 - 23.97
Low: 23.13 - 23.29 23.29 - 23.43
Close: 23.39 - 23.64 23.64 - 23.85
Company Description

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.

Headline News

Tue, 14 Apr 2026
Citizen: Keeping you safe & informed - Citizen app

Tue, 14 Apr 2026
Second chances, strong workforces: How Ohio is connecting returning citizens to careers - 10TV

Mon, 13 Apr 2026
Hawai‘i Might Just Slay Citizens United — And You Can Help - Honolulu Civil Beat

Mon, 13 Apr 2026
Citizens CEO tells employees he’s optimistic about the economy - The Boston Globe

Mon, 13 Apr 2026
China seeks deeper energy ties with UAE, urges protection of citizens - Reuters

Mon, 13 Apr 2026
Danbury mayor pushing for hiring non-citizens as police officers - News-Times

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.
Outperform
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Outperform
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 (%)
Held by Institutions 31.2 (%)
Shares Short 303 (K)
Shares Short P.Month 299 (K)
Stock Financials
EPS 1.46
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 19.17
Profit Margin 20 %
Operating Margin 34.5 %
Return on Assets (ttm) 0.8 %
Return on Equity (ttm) 7.5 %
Qtrly Rev. Growth 24.5 %
Gross Profit (p.s.) 6.51
Sales Per Share 6.51
EBITDA (p.s.) 0
Qtrly Earnings Growth -52.6 %
Operating Cash Flow 32 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 16.19
PEG Ratio 0
Price to Book value 1.23
Price to Sales 3.63
Price to Cash Flow 13.23
Stock Dividends
Dividend 0.28
Forward Dividend 0
Dividend Yield 1.1%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

StockChart iOS

StoxlineLite iOS

StoxlineLite iOS

OptionCalc iOS

StockChart Android

StoxlineLite Android

StoxlinePro Android

OptionCalc Android