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Citizens & Northern Corporation (CZNC)
19.34  0.12 (0.62%)    11-11 15:53
Open: 19.35
High: 19.4
Volume: 15,053
  
Pre. Close: 19.22
Low: 19.1637
Market Cap: 297(M)
Technical analysis
2025-11-11 3:15:23 PM
Short term     
Mid term     
Targets 6-month :  22.77 1-year :  23.17
Resists First :  19.49 Second :  19.83
Pivot price 19.31
Supports First :  18.95 Second :  15.76
MAs MA(5) :  19.22 MA(20) :  19.3
MA(100) :  19.54 MA(250) :  19.65
MACD MACD :  -0.1 Signal :  -0.2
%K %D K(14,3) :  36 D(3) :  28.5
RSI RSI(14): 49.3
52-week High :  22.68 Low :  17.85
Price, MAs and Bollinger Bands

Price has closed above its short-term moving average. Short-term moving average is currently below mid-term; and below long-term moving average. From the relationship between price and moving averages: This stock is NEUTRAL in short-term; and NEUTRAL in mid-long term.
[ CZNC ] has closed below upper band by 44.4%. Bollinger Bands are 49.2% narrower than normal. The narrow width of the bands suggests low volatility as compared to its normal range. The bands have been in this narrow range for 23 bars. This is a sign that the market may be about to initiate a new trend.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 19.4 - 19.5 19.5 - 19.58
Low: 18.96 - 19.07 19.07 - 19.15
Close: 19.07 - 19.23 19.23 - 19.36
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, 11 Nov 2025
Good Citizens: Kids Across Vermont Participated in the 2025 Challenge - Seven Days Vermont

Tue, 11 Nov 2025
Citizens Financial Preferreds Reviewed: I Rate The Series E As The One To Own (NYSE:CFG) - Seeking Alpha

Tue, 11 Nov 2025
Government eyes mini post offices within Citizens’ Service Centers - eKathimerini.com

Mon, 10 Nov 2025
Advocates want Mexico to step up for citizens before they are deported from US - BorderReport

Mon, 10 Nov 2025
ICE is terrorizing American citizens - The Seattle Times

Mon, 10 Nov 2025
Blame the shutdown on citizens who prefer politicians to vanquish their opponents rather than to work for the common good - The Conversation

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).
Neutral
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 15 (M)
Held by Insiders 3.4 (%)
Held by Institutions 29.5 (%)
Shares Short 235 (K)
Shares Short P.Month 216 (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 2.4 %
Operating Cash Flow 0 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 11.05
PEG Ratio 0
Price to Book value 1.02
Price to Sales 3.14
Price to Cash Flow 0
Stock Dividends
Dividend 0.28
Forward Dividend 0
Dividend Yield 1.4%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

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