CZNC Citizens & Northern Corporation
USFinancial ServicesAs of 2026-07-08 16:00
Why CZNC matters now
Citizens & Northern Corporation (CZNC) is a US stock in Financial Services. The latest InvestLog snapshot shows $22.69 with -2.37% on the session and $406.5M in market capitalization; recent performance reads 1-month +5.95% and YTD +7.73%.
The latest financial table shown here is Q1 2026, with revenue of $48.8M, net income of $273.0K, and EPS of $0.02. Investors can compare that operating picture with valuation signals such as P/E 15.56 and FCF yield 9.4%.
The latest indexable market news headline is "Camden National (CAC) Beats Q1 Earnings Estimates" from Zacks Investment Research.
Additional event context on this page matters because analyst consensus is Hold with a median target of $23.50; recent insider activity includes Pellegrino Frank G filing P-Purchase. These signals are research inputs, not a recommendation.
Valuation
P/E (TTM)
15.56
PEG
—
P/B
1.14
P/S
2.35
EV/EBITDA
22.25
DCF Value
$11.47
FCF Yield
9.4%
Div Yield
5.2%
Margins & Returns
Gross Margin
59.4%
Operating Margin
12.9%
Net Margin
10.5%
ROE
5.5%
ROA
0.6%
ROIC
0.6%
Financials
| Period | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $48.8M | $273.0K | $0.02 |
| Q4 2025 | $36.0M | $4.5M | $0.25 |
| FY 2025 | $154.2M | $23.4M | $1.46 |
| Q3 2025 | $40.4M | $6.6M | $0.42 |
Analyst Ratings
Consensus
Hold
Target (Consensus)
$23.50
Target (Median)
$23.50
Target Range
$23.50 - $23.50
Trading Activity
Insider Trades
Related Stocks
Latest News
Company Info
Sector
Financial Services
Industry
Banks - Regional
Country
US
Exchange
—
Beta
0.42
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.