Citizens & Northern Corporation (CZNC)Financial Services | Banks - Regional | Wellsboro, United States | NasdaqCM
23.73 USD
+0.56
(2.417%)
⇧
(April 17, 2026, 4 p.m.
EDT)
After hours: 23.73 Short-term: ★★★☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★★★ |
Hot Take | April 11, 2026, 4:12 p.m. EDT
CZNC appears to be in a consolidating phase with recent price action crossing above the 200-day moving average, which could signal a potential bullish trend. The consistent dividend payments and a high yield make it attractive for income-focused investors. However, the recent earnings report shows negative growth, and the overall risk rating is moderate. While the short-term forecast suggests a small upward movement, the long-term outlook remains uncertain. Investors should consider the dividend yield and potential for capital appreciation, but remain cautious given the mixed options activity and the company's financial metrics. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.039504 |
| AutoETS | 0.064289 |
| AutoARIMA | 0.064290 |
| MSTL | 0.065093 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 80% |
| H-stat | 0.12 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.172 |
| Excess Kurtosis | -1.30 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-02-01 |
| Last Dividend Date | 2026-02-01 |
| Revenue per Share | 7.312 |
| Market Cap | 425,010,080 |
| Trailing P/E | 16.25 |
| Forward P/E | 8.79 |
| Beta | 0.49 |
| Profit Margins | 20.09% |
| Website | https://www.cnbankpa.com |
As of April 11, 2026, 4:12 p.m. EDT: Options activity suggests mixed signals. For the June 18 expiration, there is a notable increase in call volume and open interest at the 25.0 strike, indicating potential bullish sentiment. However, the put options show limited activity, with the ATM strike at 22.5 having higher implied volatility, which could signal some uncertainty. For the September 18 expiration, the put options at 22.5 have higher implied volatility, suggesting possible bearish sentiment. Overall, the options data indicates a cautious outlook with potential for upward movement but also some uncertainty.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.23% | 5.80% | 6.19% | 5.98% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-02-02 | 0.280000 | 1.233480 |
| 2025-11-03 | 0.280000 | 1.487343 |
| 2025-08-04 | 0.280000 | 1.554013 |
| 2025-05-02 | 0.280000 | 1.527668 |
| 2025-02-03 | 0.280000 | 1.409444 |
| 2024-10-28 | 0.280000 | 1.572506 |
| 2024-07-29 | 0.280000 | 1.509850 |
| 2024-05-03 | 0.280000 | 1.733121 |
| 2024-01-26 | 0.280000 | 1.506389 |
| 2023-10-27 | 0.280000 | 1.807678 |
| 2023-07-28 | 0.280000 | 1.526046 |
| 2023-04-28 | 0.280000 | 1.712849 |
| 2023-02-02 | 0.280000 | 1.416095 |
| 2022-10-28 | 0.280000 | 1.411631 |
| 2022-07-29 | 0.280000 | 1.390926 |
| 2022-04-29 | 0.280000 | 1.468187 |
| 2022-01-28 | 0.280000 | 1.382615 |
| 2021-10-29 | 0.280000 | 1.378400 |
| 2021-07-30 | 0.280000 | 1.439192 |
| 2021-04-30 | 0.280000 | 1.455408 |
| 2021-01-29 | 0.270000 | 1.834569 |
| 2020-10-30 | 0.270000 | 2.097869 |
| 2020-07-24 | 0.270000 | 1.940459 |
| 2020-04-24 | 0.270000 | 2.074024 |
| 2020-01-24 | 0.270000 | 1.376222 |
| 2019-10-25 | 0.270000 | 1.480953 |
| 2019-07-26 | 0.270000 | 1.462318 |
| 2019-04-26 | 0.270000 | 1.370178 |
| 2019-01-25 | 0.370000 | 2.127776 |
| 2018-10-26 | 0.270000 | 1.567405 |
| 2018-07-27 | 0.270000 | 1.448432 |
| 2018-04-27 | 0.270000 | 1.649314 |
| 2018-01-26 | 0.270000 | 1.701748 |
| 2017-10-27 | 0.260000 | 1.538849 |
| 2017-07-27 | 0.260000 | 1.728334 |
| 2017-04-27 | 0.260000 | 1.726930 |
| 2017-01-26 | 0.260000 | 1.630308 |
| 2016-10-27 | 0.260000 | 1.965317 |
| 2016-07-28 | 0.260000 | 1.956016 |
| 2016-04-28 | 0.260000 | 2.092725 |
| 2016-01-28 | 0.260000 | 2.140431 |
| 2015-10-29 | 0.260000 | 2.109850 |
| 2015-07-30 | 0.260000 | 2.227818 |
| 2015-04-30 | 0.260000 | 2.242475 |
| 2015-01-29 | 0.260000 | 2.303438 |
| 2014-10-31 | 0.260000 | 2.294583 |
| 2014-07-24 | 0.260000 | 2.451768 |
| 2014-04-24 | 0.260000 | 2.480220 |
| 2014-01-30 | 0.260000 | 2.389117 |
| 2013-10-31 | 0.250000 | 2.344494 |
| 2013-07-25 | 0.250000 | 2.197242 |
| 2013-04-25 | 0.250000 | 2.428095 |
| 2013-01-31 | 0.250000 | 2.414815 |
| 2012-10-31 | 0.240000 | 2.516202 |
| 2012-07-30 | 0.220000 | 2.326794 |
| 2012-04-27 | 0.200000 | 2.078317 |
| 2012-01-26 | 0.180000 | 1.653219 |
| 2011-10-28 | 0.160000 | 1.924495 |
| 2011-07-28 | 0.150000 | 1.869726 |
| 2011-04-28 | 0.140000 | 1.689476 |
| 2011-01-27 | 0.130000 | 1.714345 |
| 2010-10-28 | 0.120000 | 1.728688 |
| 2010-07-29 | 0.100000 | 1.851637 |
| 2010-04-29 | 0.090000 | 1.455106 |
| 2010-01-28 | 0.080000 | 1.794362 |
| 2009-09-29 | 0.240000 | 3.528153 |
| 2009-06-29 | 0.240000 | 2.525650 |
| 2009-03-30 | 0.240000 | 3.108237 |
| 2008-12-31 | 0.240000 | 2.750661 |
| 2008-09-29 | 0.240000 | 2.469034 |
| 2008-07-01 | 0.240000 | 3.246979 |
| 2008-03-28 | 0.240000 | 2.816994 |
| 2007-12-28 | 0.238000 | 3.141666 |
| 2007-09-27 | 0.237624 | 3.175193 |
| 2007-07-02 | 0.237624 | 2.972823 |
| 2007-03-30 | 0.237624 | 2.878259 |
| 2006-12-28 | 0.232673 | 2.612467 |
| 2006-09-28 | 0.235271 | 2.703353 |
| 2006-06-30 | 0.235271 | 2.594923 |
| 2006-03-30 | 0.235271 | 2.470935 |
| 2005-12-27 | 0.233310 | 2.418714 |
| 2005-09-29 | 0.223236 | 2.282166 |
| 2005-06-30 | 0.223236 | 1.952545 |
| 2005-03-31 | 0.223236 | 2.155080 |
| 2004-10-01 | 0.213530 | 2.360248 |
| 2004-04-01 | 0.213530 | 2.385957 |
| 2003-10-02 | 0.201806 | 2.213730 |
| 2003-06-26 | 0.201806 | 2.231755 |
| 2003-04-03 | 0.134537 | 1.842455 |
| 2002-12-26 | 0.192196 | 2.718610 |
| 2002-09-27 | 0.190293 | 2.807846 |
| 2002-06-27 | 0.177607 | 2.732731 |
| 2002-03-27 | 0.177607 | 2.887010 |
| 2001-12-27 | 0.175848 | 3.200804 |
| 2001-09-27 | 0.163288 | 3.295920 |
| 2001-03-29 | 0.163288 | 3.757057 |
| 2000-11-22 | 0.163288 | 3.917809 |
| 1999-11-24 | 0.149235 | 2.717845 |
| 1996-03-28 | 0.104661 | 2.356681 |
| 1995-11-28 | 0.104661 | 2.641992 |
| 1995-09-28 | 0.098505 | 2.445985 |
| 1995-07-06 | 0.098505 | 2.558844 |
| 1995-03-28 | 0.098505 | 2.754049 |
| 1994-09-26 | 0.095427 | 2.553255 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.21627295 |
| Address1 | 90-92 Main Street |
| Address2 | PO Box 58 |
| All Time High | 36.406837 |
| All Time Low | 8.15 |
| Ask | 30.38 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Daily Volume10 Day | 35,240 |
| Average Daily Volume3 Month | 47,170 |
| Average Volume | 47,170 |
| Average Volume10Days | 35,240 |
| Beta | 0.488 |
| Bid | 17.11 |
| Bid Size | 2 |
| Board Risk | 2 |
| Book Value | 19.172 |
| City | Wellsboro |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 2 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 23.73 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 23.97 |
| Day Low | 23.345 |
| Display Name | Citizens & Northern |
| Dividend Date | 1,770,940,800 |
| Dividend Rate | 1.12 |
| Dividend Yield | 4.71 |
| Earnings Growth | -0.526 |
| Earnings Quarterly Growth | -0.454 |
| Earnings Timestamp End | 1,776,888,000 |
| Earnings Timestamp Start | 1,776,888,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.904 |
| Enterprise Value | 572,008,064 |
| Eps Current Year | 2.5 |
| Eps Forward | 2.7 |
| Eps Trailing Twelve Months | 1.46 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,769,990,400 |
| Exchange | NCM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 22.775 |
| Fifty Day Average Change | 0.9549999 |
| Fifty Day Average Change Percent | 0.041931942 |
| Fifty Two Week Change Percent | 21.627295 |
| Fifty Two Week High | 24.12 |
| Fifty Two Week High Change | -0.3900013 |
| Fifty Two Week High Change Percent | -0.016169207 |
| Fifty Two Week Low | 18.02 |
| Fifty Two Week Low Change | 5.709999 |
| Fifty Two Week Low Change Percent | 0.3168701 |
| Fifty Two Week Range | 18.02 - 24.12 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 765,552,600,000 |
| Five Year Avg Dividend Yield | 5.14 |
| Float Shares | 17,021,895 |
| Forward Eps | 2.7 |
| Forward P E | 8.788889 |
| Full Exchange Name | NasdaqCM |
| Full Time Employees | 460 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 116,632,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.04082 |
| Held Percent Institutions | 0.31192 |
| Implied Shares Outstanding | 17,910,243 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,769,990,400 |
| Last Dividend Value | 0.28 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,198,800,000 |
| Last Split Factor | 101:100 |
| Long Business Summary | Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania. |
| Long Name | Citizens & Northern Corporation |
| Market | us_market |
| Market Cap | 425,010,080 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_392653 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 23,245,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 425,547,373 |
| Number Of Analyst Opinions | 1 |
| Open | 23.4 |
| Operating Cashflow | 32,003,000 |
| Operating Margins | 0.3455 |
| Overall Risk | 3 |
| Payout Ratio | 0.7671 |
| Peg Ratio | 1.21 |
| Phone | 570 724 3411 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 23.73 |
| Post Market Time | 1,776,456,604 |
| Previous Close | 23.17 |
| Price Eps Current Year | 9.492 |
| Price Hint | 2 |
| Price To Book | 1.2377424 |
| Price To Sales Trailing12 Months | 3.6440263 |
| Profit Margins | 0.20086001 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.559999 |
| Regular Market Change Percent | 2.41692 |
| Regular Market Day High | 23.97 |
| Regular Market Day Low | 23.345 |
| Regular Market Day Range | 23.345 - 23.97 |
| Regular Market Open | 23.4 |
| Regular Market Previous Close | 23.17 |
| Regular Market Price | 23.73 |
| Regular Market Time | 1,776,456,001 |
| Regular Market Volume | 51,510 |
| Return On Assets | 0.00816 |
| Return On Equity | 0.07594 |
| Revenue Growth | 0.245 |
| Revenue Per Share | 7.312 |
| Sand P52 Week Change | 0.36506534 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 17,910,243 |
| Shares Percent Shares Out | 0.0167 |
| Shares Short | 299,031 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 280,263 |
| Short Name | Citizens & Northern Corp |
| Short Percent Of Float | 0.0175 |
| Short Ratio | 7.03 |
| Source Interval | 15 |
| State | PA |
| Symbol | CZNC |
| Target High Price | 25.0 |
| Target Low Price | 25.0 |
| Target Mean Price | 25.0 |
| Target Median Price | 25.0 |
| Total Cash | 47,376,000 |
| Total Cash Per Share | 2.645 |
| Total Debt | 194,374,000 |
| Total Revenue | 116,632,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.12 |
| Trailing Annual Dividend Yield | 0.04833837 |
| Trailing Eps | 1.46 |
| Trailing P E | 16.253424 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 20.72035 |
| Two Hundred Day Average Change | 3.0096493 |
| Two Hundred Day Average Change Percent | 0.14525089 |
| Type Disp | Equity |
| Volume | 51,510 |
| Website | https://www.cnbankpa.com |
| Zip | 16,901 |