Citizens & Northern Corporation
CZNCNASDAQFinancialsBanks - Regional
As of Oct 16, 2026 close
- Market cap
- $450.70M
- P/E (TTM)
- 17.78
- Forward P/E
- 18.23
- Dividend yield
- 4.42%
- 52-week range
- $18.87$26.37
- Volume (live)
- -
- Avg. volume (3M)
- 54.17K
Citizens & Northern (CZNC) Stock Price & Financial Analysis
Citizens & Northern Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $25.33 - $25.86 |
|---|---|
| 52-Week High | $26.37 |
| 52-Week Low | $18.87 |
| Open | $25.42 |
| Volume (last close) | 56.96K |
| Average Volume (3M) | 54.17K |
| Revenue (TTM) | 129.37M |
|---|---|
| Net Income (TTM) | 25.35M |
| Free Cash Flow (TTM) | 45.11M |
| EPS (TTM) | $1.48 |
| Profit Margin | 19.59% |
| Operating Margin | 10.36% |
| Return on Equity (ROE) | 7.32% |
| Debt to Equity | 0.49 |
| Annual Dividend | $1.12 |
|---|---|
| Dividend Yield | 4.42% |
| Payout Ratio | 75.74% |
| Last Dividend Ex-Date | Aug 3, 2026 |
| Market Cap | 450.70M |
|---|---|
| Shares Outstanding | 17.77M |
| P/E Ratio (TTM) | 17.78 |
| Forward P/E | 18.23 |
| Price to Sales (P/S) | 3.48 |
| Price to Book (P/B) | 1.30 |
| EV/EBITDA | 96.05 |
| 50-Day MA | $25.61 |
|---|---|
| 200-Day MA | $23.18 |
| 1-Year Change | +31.88% |
Source: Market prices and company fundamentals. Data as of Oct 16, 2026. Data sources and methodology
Citizens & Northern at a Glance
As of the Oct 16, 2026 close, Citizens & Northern (CZNC) has a market capitalization of $450.70M. The stock trades at 17.8× trailing earnings, 18.2× forward earnings and 3.5× sales. Over the trailing twelve months it earned $25.35M on revenue of $129.37M (a 19.6% profit margin) and generated $45.11M of free cash flow. Revenue grew 4.7% year over year.
As of its latest reported balance sheet, it holds $81.44M in cash and securities against $170.03M of debt, a net debt position of $88.60M.
Citizens & Northern pays a quarterly dividend totaling $1.12 per share a year, a 4.42% yield at the Oct 16, 2026 close, with a 76% payout ratio.
The share price is up 31.9% over the past year. At $25.50 (the Oct 16, 2026 close) it sits near the top of its 52-week range of $18.87 to $26.37, above its 200-day moving average of $23.18.
Based on 1 professional analyst rating from the past 90 days, the consensus is Buy.
Frequently Asked Questions About Citizens & Northern
What is the current stock price for CZNC?
As of the Oct 16, 2026 close, CZNC stock trades at $25.50. The 52-week range is $18.87–$26.37, with a day range of $25.33–$25.86.
What is the P/E ratio for CZNC?
As of the Oct 16, 2026 close, Citizens & Northern's trailing twelve-month (TTM) P/E ratio is 17.8, meaning investors pay $17.8 for every $1 of annual earnings. The forward P/E is 18.2, reflecting analyst expectations for future earnings. Citizens & Northern operates in the Financials sector.
Does CZNC pay dividends?
Yes, Citizens & Northern pays a 4.42% annual dividend yield as of the Oct 16, 2026 close ($1.12 per share a year). The trailing twelve-month payout ratio is 75.7%. The most recent ex-dividend date was August 3, 2026.
What do analysts recommend for CZNC?
Based on ratings from 1 professional analyst over the last 90 days, the consensus for CZNC is Buy.
What is the market cap of CZNC?
As of the Oct 16, 2026 close, Citizens & Northern's market capitalization is $453.2M, classifying it as a small-cap company. Citizens & Northern operates in the Financials sector within the Banks - Regional industry.