Loading stock data…
CZNC
$22.48+0.40 (+1.81%)
Market ClosedLast close May 1
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 $22.48. The stock is currently 7% below its 52-week high of $24.12, remaining 9.1% above its 200-day moving average. Technical signals show neutral RSI of 37 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 37) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Loading Financials...
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$22.48
Potential Upside
23.3%
Whystock Fair Value$27.72
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.
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
43,227
Recent News
First Internet Bancorp (INBK) Q1 Earnings Surpass Estimates
First Internet (INBK) delivered earnings and revenue surprises of +278.10% and -2.45%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
Camden National (CAC) Beats Q1 Earnings Estimates
Camden National (CAC) delivered earnings and revenue surprises of +2.11% and -2.38%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
Citizens & Northern AGM: Directors Elected, Crowe LLP Ratified, $0.28 Dividend Declared
Citizens & Northern (NASDAQ:CZNC) shareholders on the company’s annual meeting webcast elected directors, approved an advisory executive compensation proposal, and ratified the appointment of Crowe LLP as independent auditor for 2026. Management also highlighted progress following the October 20
Do Options Traders Know Something About Citizens & Northern Stock We Don't?
Investors need to pay close attention to CZNC stock based on the movements in the options market lately.
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.