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CZNC
$21.73-0.01 (-0.05%)
After Hours$22.60+0.87 (+4.00%)· Last close May 6
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 (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Citizens & Northern Corporation in the Financial Services sector is trading at $21.73. The stock is currently 10% below its 52-week high of $24.12, remaining 6.5% above its 200-day moving average. Technical signals show neutral RSI of 38 and bearish MACD signal, explaining why CZNC maintains its current momentum and trend strength. The Whystock Score of 95/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 38) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$21.73
Potential Upside
23.3%
Whystock Fair Value$26.79
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus1 analysts
Hold
Mean target$25.00+15.0%
Range$25.00 – $25.00
Fundamentals
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).
$415.16M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
15.88
Beta
Defensive asset. Lower volatility than the S&P 500.
0.49
Div Yield
Strong income play. Yield provides a meaningful total return floor.
483.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
7.89%
Volume
Today's trading volume
23,771
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