CITIZENS AND NORTHERN CORP (CZNC)
Financials · Community Banking / Bank Holding Company · NASDAQ
Community bank holding company operating 35+ branches across Pennsylvania and New York, offering deposit, lending, and wealth management services to personal and commercial customers.
What CITIZENS AND NORTHERN CORP does
Citizens & Northern Corporation is a bank holding company headquartered in Wellsboro, Pennsylvania, primarily engaged in community banking through its principal subsidiary Citizens & Northern Bank. The bank operates 35 branch offices across Pennsylvania (Northern Tier, Northeastern, Southeastern, and Southcentral regions) and upstate New York, providing deposit and loan products, wealth management and trust services, and insurance and investment products. The corporation has grown substantially through acquisitions including Monument Bancorp (2019), Covenant Financial (2020), and Susquehanna Community Financial (2025), expanding its asset base from $1.64 billion in 2019 to $3.1 billion by December 2025.
Themes: ["Community banking","Regional deposit gathering","Commercial lending","Wealth management / trust services","Bank M&A / consolidation"]
Fundamentals
- Price$22.79 as of 2026-07-09 close
- Market cap$404M as of 2026-07-10
- 1-year return+12.7% as of 2026-07-09 close
- P/E23.21 as of 2026-07-10
- Net margin+25.6% as of 2026-07-10
- ROE+5.5% as of 2026-07-10
- Debt / equity0.12 as of 2026-07-10
- Revenue growth (YoY)+23.9% as of 2026-07-10
- Beta0.40 as of 2026-07-10
Dividend: yield +4.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk from economic downturns or loan portfolio deterioration; provision for credit losses increased significantly to $13.6 million in Q1 2026 vs. $236k in Q1 2025","Interest rate risk from changes in deposit rates, borrowing costs, and the yield curve affecting net interest income and bond portfolio valuations","Competitive pressure from larger banks, fintech competitors, and online financial institutions that may erode market share and deposit margins"]
Competitors & peers
- Local and regional commercial banks in Pennsylvania and New York markets
- Fintech and online financial institutions
- Savings banks and savings and loan associations
- Credit unions
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.