Citizens & Northern Corp (CZNC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 25.40 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Analysts & Price Target
The price target sits 6.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.17 | 2.17 – 2.17 | 0 | 16.4% | 1 |
| 12/31/2027 | 2.75 | 2.75 – 2.75 | 0 | 26.7% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.63 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.53 | 88.60 | 41 | 13.80 | 20.20 | 12 | 12 |
| 2025: Q1 | 0.41 | 17.80 | 38 | 4.90 | 16.40 | 2 | 1 |
| 2025: Q2 | 0.40 | -0.50 | 40 | 3.80 | 15.20 | 9 | 8 |
| 2025: Q3 | 0.43 | 2.20 | 40 | 1.80 | 16.20 | 11 | 11 |
| 2025: Q4 | 0.25 | -52.30 | 36 | -11.10 | 12.40 | 11 | 9 |
| 2026: Q1 | 0.02 | -96.20 | 49 | 27.30 | 0.60 | 9 | 9 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 60 | 21 | 16 | 1.31 | 19 | 186 | 1,242 |
| 2017 | 61 | 21 | 13 | 1.11 | 19 | 188 | 1,277 |
| 2018 | 70 | 26 | 22 | 1.80 | 26 | 197 | 1,291 |
| 2019 | 83 | 23 | 20 | 1.46 | 22 | 244 | 1,654 |
| 2020 | 100 | 23 | 19 | 1.30 | 25 | 300 | 2,239 |
| 2021 | 109 | 38 | 31 | 1.94 | 35 | 301 | 2,328 |
| 2022 | 115 | 32 | 27 | 1.72 | 35 | 249 | 2,454 |
| 2023 | 136 | 30 | 24 | 1.58 | 34 | 262 | 2,516 |
| 2024 | 155 | 32 | 26 | 1.70 | 33 | 275 | 2,611 |
| 2025 | 154 | 29 | 23 | 1.47 | 32 | 342 | 3,132 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Citizens & Northern Corporation ist die Bankholding der Citizens & Northern Bank, die verschiedene Bank- und verwandte Dienstleistungen für Privat- und Firmenkunden anbietet. Zu den Einlagenprodukten des Unternehmens gehören verschiedene Arten von Girokonten, Sparbuch- und Kontoauszugssparen, m…
| Employees | 460 |
|---|---|
| Headquarters | Wellsboro, PA |
| Address | 90-92 Main Street, 16901 Wellsboro, United States |
| Phone | 570 724 3411 |
| Website | cnbankpa.com |
| IPO Date | 30. May 1996 |
| ISIN | US1729221069 |
| Stock Split | 101:100 on 12/28/2007 |
Management
| Name | Title | Birth Year |
|---|---|---|
| J. Bradley Scovill | President, CEO & Director | 1959 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.