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Citizens & Northern Corporation (CZNC)
20.63  -0.03 (-0.15%)    12-26 16:00
Open: 20.73
High: 20.76
Volume: 31,351
  
Pre. Close: 20.66
Low: 20.54
Market Cap: 317(M)
Technical analysis
2025-12-26 4:38:25 PM
Short term     
Mid term     
Targets 6-month :  25.98 1-year :  30.34
Resists First :  22.24 Second :  25.98
Pivot price 21.14
Supports First :  20.24 Second :  19
MAs MA(5) :  20.77 MA(20) :  20.93
MA(100) :  19.87 MA(250) :  0
MACD MACD :  0.2 Signal :  0.4
%K %D K(14,3) :  30.6 D(3) :  35.3
RSI RSI(14): 49
52-week High :  22.68 Low :  17.85
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 above bottom band by 28.6%. Bollinger Bands are 81.4% 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 16 days. This is a sign that the current trend might continue.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 20.82 - 20.93 20.93 - 21.03
Low: 20.18 - 20.34 20.34 - 20.48
Close: 20.39 - 20.63 20.63 - 20.83
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

Fri, 26 Dec 2025
Zebulon police search for armed bank robbery suspect - WRAL

Fri, 26 Dec 2025
ILLINOIS EXPANDS SENIOR CITIZENS REAL ESTATE TAX DEFERRAL PROGRAM - wfiwradio.com

Fri, 26 Dec 2025
US deportations of Polish citizens almost double this year amid Trump clampdown - Notes From Poland

Fri, 26 Dec 2025
Biometric entry-exit at US border: New rule for non-US citizens, Green Card holders comes into effect today - Times of India

Wed, 24 Dec 2025
Russian Citizens Used Fake Documents to Obtain Romanian Citizenship and Enter EU - UNITED24 Media

Wed, 24 Dec 2025
US denies EU citizens visas over social media ‘censorship’ - https-//www.semafor.com

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 3.4 (%)
Held by Institutions 29.9 (%)
Shares Short 303 (K)
Shares Short P.Month 244 (K)
Stock Financials
EPS 1.75
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 18.93
Profit Margin 24.7 %
Operating Margin 32.4 %
Return on Assets (ttm) 1 %
Return on Equity (ttm) 9.5 %
Qtrly Rev. Growth 5 %
Gross Profit (p.s.) 6.15
Sales Per Share 6.15
EBITDA (p.s.) 0
Qtrly Earnings Growth 2 %
Operating Cash Flow 34 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 11.78
PEG Ratio 0
Price to Book value 1.08
Price to Sales 3.34
Price to Cash Flow 10.96
Stock Dividends
Dividend 0.28
Forward Dividend 0
Dividend Yield 1.3%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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