Citizens & Northern Corporation (CZNC)Financial Services | Banks - Regional | Wellsboro, United States | NasdaqCM
23.03 USD
+0.18
(0.788%)
⇧
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 4:05 a.m. EDT
The immediate outlook is driven by a sharp technical rebound; after a brutal multi-year decline where the stock lost nearly 30% of its value in a single year, the price has staged a vigorous recovery, trading near its 52-week highs. This momentum is attracting speculative capital, evidenced by the heavy call open interest at the $25 strike and the complete absence of put protection. However, this rally is built on fragile ground. The company's fundamentals remain deeply impaired, with revenue contracting by 14% and earnings collapsing by 96%. The balance sheet is compromised, with debt significantly exceeding cash reserves and the payout ratio exceeding 100%, meaning the current dividend is being funded entirely by borrowing rather than earnings. While the yield of nearly 5% is attractive on paper, it is unsustainable given the deteriorating business metrics. The statistical forecast model offers only a negligible edge, confirming that the recent price action is likely noise rather than a reversal of the secular downtrend. Investors should view the current bounce as a contrarian opportunity to accumulate a distressed asset, but the long-term thesis remains broken until the company demonstrates a sustained return to profitability. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.086213 |
| AutoETS | 0.088081 |
| AutoARIMA | 0.089410 |
| AutoTheta | 0.090323 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 54% |
| H-stat | 0.35 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.115 |
| Excess Kurtosis | 0.05 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-05-03 |
| Last Dividend Date | 2026-05-03 |
| Revenue per Share | 6.824 |
| Market Cap | 412,618,976 |
| Trailing P/E | 21.52 |
| Forward P/E | 8.53 |
| Beta | 0.40 |
| Profit Margins | 15.41% |
| Website | https://www.cnbankpa.com |
As of July 11, 2026, 4:05 a.m. EDT: Speculator positioning is overwhelmingly skewed toward calls, with open interest concentrated at the $25 strike across multiple expirations, suggesting a bullish bias targeting a move above current levels. Conversely, put activity is virtually non-existent, indicating a lack of hedging or bearish bets. Implied volatility is extremely low, reflecting a complacent market environment.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.30% | 5.52% | 5.66% | 5.30% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-05-04 | 0.280000 | 1.300511 |
| 2026-02-02 | 0.280000 | 1.233480 |
| 2025-11-03 | 0.280000 | 1.469045 |
| 2025-08-04 | 0.280000 | 1.512696 |
| 2025-05-02 | 0.280000 | 1.464435 |
| 2025-02-03 | 0.280000 | 1.331431 |
| 2024-10-28 | 0.280000 | 1.465969 |
| 2024-07-29 | 0.280000 | 1.386825 |
| 2024-05-03 | 0.280000 | 1.571268 |
| 2024-01-26 | 0.280000 | 1.344215 |
| 2023-10-27 | 0.280000 | 1.591814 |
| 2023-07-28 | 0.280000 | 1.323251 |
| 2023-04-28 | 0.280000 | 1.465969 |
| 2023-02-02 | 0.280000 | 1.194539 |
| 2022-10-28 | 0.280000 | 1.176471 |
| 2022-07-29 | 0.280000 | 1.146132 |
| 2022-04-29 | 0.280000 | 1.196070 |
| 2022-01-28 | 0.280000 | 1.113320 |
| 2021-10-29 | 0.280000 | 1.097609 |
| 2021-07-30 | 0.280000 | 1.133603 |
| 2021-04-30 | 0.280000 | 1.133603 |
| 2021-01-29 | 0.270000 | 1.412873 |
| 2020-10-30 | 0.270000 | 1.593861 |
| 2020-07-24 | 0.270000 | 1.451613 |
| 2020-04-24 | 0.270000 | 1.529745 |
| 2020-01-24 | 0.270000 | 0.999260 |
| 2019-10-25 | 0.270000 | 1.064669 |
| 2019-07-26 | 0.270000 | 1.040062 |
| 2019-04-26 | 0.270000 | 0.964286 |
| 2019-01-25 | 0.370000 | 1.482966 |
| 2018-10-26 | 0.270000 | 1.076555 |
| 2018-07-27 | 0.270000 | 0.983965 |
| 2018-04-27 | 0.270000 | 1.109741 |
| 2018-01-26 | 0.270000 | 1.132550 |
| 2017-10-27 | 0.260000 | 1.012855 |
| 2017-07-27 | 0.260000 | 1.126029 |
| 2017-04-27 | 0.260000 | 1.112537 |
| 2017-01-26 | 0.260000 | 1.038753 |
| 2016-10-27 | 0.260000 | 1.239276 |
| 2016-07-28 | 0.260000 | 1.218369 |
| 2016-04-28 | 0.260000 | 1.287766 |
| 2016-01-28 | 0.260000 | 1.300650 |
| 2015-10-29 | 0.260000 | 1.265207 |
| 2015-07-30 | 0.260000 | 1.319127 |
| 2015-04-30 | 0.260000 | 1.310484 |
| 2015-01-29 | 0.260000 | 1.329243 |
| 2014-10-31 | 0.260000 | 1.306533 |
| 2014-07-24 | 0.260000 | 1.377848 |
| 2014-04-24 | 0.260000 | 1.374934 |
| 2014-01-30 | 0.260000 | 1.306533 |
| 2013-10-31 | 0.250000 | 1.265182 |
| 2013-07-25 | 0.250000 | 1.171509 |
| 2013-04-25 | 0.250000 | 1.279427 |
| 2013-01-31 | 0.250000 | 1.256281 |
| 2012-10-31 | 0.240000 | 1.292407 |
| 2012-07-30 | 0.220000 | 1.179625 |
| 2012-04-27 | 0.200000 | 1.041667 |
| 2012-01-26 | 0.180000 | 0.820046 |
| 2011-10-28 | 0.160000 | 0.946746 |
| 2011-07-28 | 0.150000 | 0.911300 |
| 2011-04-28 | 0.140000 | 0.815851 |
| 2011-01-27 | 0.130000 | 0.821226 |
| 2010-10-28 | 0.120000 | 0.821355 |
| 2010-07-29 | 0.100000 | 0.872600 |
| 2010-04-29 | 0.090000 | 0.679758 |
| 2010-01-28 | 0.080000 | 0.832466 |
| 2009-09-29 | 0.240000 | 1.623816 |
| 2009-06-29 | 0.240000 | 1.143402 |
| 2009-03-30 | 0.240000 | 1.392111 |
| 2008-12-31 | 0.240000 | 1.215190 |
| 2008-09-29 | 0.240000 | 1.077683 |
| 2008-07-01 | 0.240000 | 1.403509 |
| 2008-03-28 | 0.240000 | 1.200000 |
| 2007-12-28 | 0.238000 | 1.322222 |
| 2007-09-27 | 0.237624 | 1.318683 |
| 2007-07-02 | 0.237624 | 1.218275 |
| 2007-03-30 | 0.237624 | 1.165050 |
| 2006-12-28 | 0.232673 | 1.045372 |
| 2006-09-28 | 0.235271 | 1.069995 |
| 2006-06-30 | 0.235271 | 1.016088 |
| 2006-03-30 | 0.235271 | 0.958084 |
| 2005-12-27 | 0.233310 | 0.928960 |
| 2005-09-29 | 0.223236 | 0.868253 |
| 2005-06-30 | 0.223236 | 0.736236 |
| 2005-03-31 | 0.223236 | 0.806735 |
| 2004-10-01 | 0.213530 | 0.876495 |
| 2004-04-01 | 0.213530 | 0.878244 |
| 2003-10-02 | 0.201806 | 0.807693 |
| 2003-06-26 | 0.201806 | 0.807693 |
| 2003-04-03 | 0.134537 | 0.661416 |
| 2002-12-26 | 0.192196 | 0.969618 |
| 2002-09-27 | 0.190293 | 0.991735 |
| 2002-06-27 | 0.177607 | 0.955632 |
| 2002-03-27 | 0.177607 | 1.000000 |
| 2001-12-27 | 0.175848 | 1.097606 |
| 2001-09-27 | 0.163288 | 1.118281 |
| 2001-03-29 | 0.163288 | 1.260607 |
| 2000-11-22 | 0.163288 | 1.297973 |
| 1999-11-24 | 0.149235 | 0.888890 |
| 1996-03-28 | 0.104661 | 0.764042 |
| 1995-11-28 | 0.104661 | 0.849996 |
| 1995-09-28 | 0.098505 | 0.780489 |
| 1995-07-06 | 0.098505 | 0.810128 |
| 1995-03-28 | 0.098505 | 0.864866 |
| 1994-09-26 | 0.095427 | 0.794875 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.14135861 |
| Address1 | 90-92 Main Street |
| Address2 | PO Box 58 |
| All Time High | 36.406837 |
| All Time Low | 8.15 |
| Ask | 29.4 |
| Ask Size | 2 |
| Audit Risk | 4 |
| Average Analyst Rating | 3.0 - Hold |
| Average Daily Volume10 Day | 98,190 |
| Average Daily Volume3 Month | 53,667 |
| Average Volume | 53,667 |
| Average Volume10Days | 98,190 |
| Beta | 0.397 |
| Bid | 16.55 |
| Bid Size | 2 |
| Board Risk | 3 |
| Book Value | 18.736 |
| City | Wellsboro |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 3 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 23.03 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 23.38 |
| Day Low | 22.85 |
| Display Name | Citizens & Northern |
| Dividend Date | 1,778,803,200 |
| Dividend Rate | 1.12 |
| Dividend Yield | 4.86 |
| Earnings Growth | -0.962 |
| Earnings Quarterly Growth | -0.957 |
| Earnings Timestamp End | 1,784,836,800 |
| Earnings Timestamp Start | 1,784,836,800 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.878 |
| Enterprise Value | 550,869,952 |
| Eps Current Year | 1.97 |
| Eps Forward | 2.7 |
| Eps Trailing Twelve Months | 1.07 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,777,852,800 |
| Exchange | NCM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 21.7958 |
| Fifty Day Average Change | 1.2342014 |
| Fifty Day Average Change Percent | 0.056625657 |
| Fifty Two Week Change Percent | 14.135861 |
| Fifty Two Week High | 24.25 |
| Fifty Two Week High Change | -1.2199993 |
| Fifty Two Week High Change Percent | -0.05030925 |
| Fifty Two Week Low | 18.16 |
| Fifty Two Week Low Change | 4.870001 |
| Fifty Two Week Low Change Percent | 0.26817185 |
| Fifty Two Week Range | 18.16 - 24.25 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 765,552,600,000 |
| Five Year Avg Dividend Yield | 5.17 |
| Float Shares | 17,006,423 |
| Forward Eps | 2.7 |
| Forward P E | 8.52963 |
| Full Exchange Name | NasdaqCM |
| Full Time Employees | 460 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.0 |
| Gross Profits | 112,932,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.041550003 |
| Held Percent Institutions | 0.31901 |
| Implied Shares Outstanding | 17,916,586 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,777,852,800 |
| 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 | 412,618,976 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_392653 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 17,276,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 409,662,738 |
| Number Of Analyst Opinions | 1 |
| Open | 22.92 |
| Operating Cashflow | 39,074,000 |
| Operating Margins | 0.01454 |
| Overall Risk | 3 |
| Payout Ratio | 1.0467 |
| Peg Ratio | 1.21 |
| Phone | 570 724 3411 |
| Pre Market Change | -0.060001373 |
| Pre Market Change Percent | -0.2605357 |
| Pre Market Price | 22.97 |
| Pre Market Time | 1,784,019,823 |
| Previous Close | 22.85 |
| Price Eps Current Year | 11.690355 |
| Price Hint | 2 |
| Price To Book | 1.2291845 |
| Price To Sales Trailing12 Months | 3.6536942 |
| Profit Margins | 0.15414 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 3.0 |
| Region | US |
| Regular Market Change | 0.18 |
| Regular Market Change Percent | 0.787747 |
| Regular Market Day High | 23.38 |
| Regular Market Day Low | 22.85 |
| Regular Market Day Range | 22.85 - 23.38 |
| Regular Market Open | 22.92 |
| Regular Market Previous Close | 22.85 |
| Regular Market Price | 23.03 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 87,822 |
| Return On Assets | 0.00603 |
| Return On Equity | 0.05639 |
| Revenue Growth | -0.138 |
| Revenue Per Share | 6.824 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 17,916,586 |
| Shares Percent Shares Out | 0.0212 |
| Shares Short | 379,711 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 271,796 |
| Short Name | Citizens & Northern Corp |
| Short Percent Of Float | 0.0222 |
| Short Ratio | 5.12 |
| Source Interval | 15 |
| State | PA |
| Symbol | CZNC |
| Target High Price | 24.0 |
| Target Low Price | 24.0 |
| Target Mean Price | 24.0 |
| Target Median Price | 24.0 |
| Total Cash | 55,977,000 |
| Total Cash Per Share | 3.124 |
| Total Debt | 194,228,000 |
| Total Revenue | 112,932,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.12 |
| Trailing Annual Dividend Yield | 0.049015317 |
| Trailing Eps | 1.07 |
| Trailing P E | 21.523365 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 21.3989 |
| Two Hundred Day Average Change | 1.6311016 |
| Two Hundred Day Average Change Percent | 0.07622362 |
| Type Disp | Equity |
| Volume | 87,822 |
| Website | https://www.cnbankpa.com |
| Zip | 16,901 |