CZNC

$21.91

Post-MarketAs of Mar 17, 8:00 PM UTC

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.

Historical Price

Price (Line)
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Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$21.91
Potential Upside
30.1%
Whystock Fair Value$28.50
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

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 checki...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$390.51M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
15.01
Beta
Defensive asset. Lower volatility than the S&P 500.
0.50
Div Yield
Strong income play. Yield provides a meaningful total return floor.
511.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
7.59%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
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Recent News

Zacks
Mar 16, 2026

Here's Why Citizens & Northern (CZNC) Looks Ripe for Bottom Fishing

Citizens & Northern (CZNC) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates higher enhances the stock's potential for a turnaround in the near term.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Mar 2, 2026

Best Income Stocks to Buy for March 2nd

CZNC, UCB and CRI made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 2, 2026.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Feb 17, 2026

February 2026's Stock Selections That Might Be Trading Below Their Estimated Value

As February 2026 begins, the U.S. stock market is experiencing a strong start with major indices like the Dow Jones and S&P 500 posting significant gains, reflecting renewed investor optimism amid economic developments such as trade agreements and manufacturing growth. In this environment of rising indices, identifying stocks that might be trading below their estimated value can offer potential opportunities for investors seeking to capitalize on market inefficiencies.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Feb 6, 2026

Best Income Stocks to Buy for February 6th

JOYY, WASH and CZNC made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 6, 2026 .

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Jan 29, 2026

3 Reliable Dividend Stocks Offering Up To 7.7% Yield

As the U.S. stock market navigates through a challenging period marked by declining tech shares and fluctuating precious metal prices, investors are increasingly seeking stability amid volatility. In such an environment, dividend stocks can offer a reliable income stream, providing both potential for growth and regular returns that may help cushion against market downturns.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.