CITIZENS AND NORTHERN CORP (CZNC)
Financials · regional banking · NASDAQ
Citizens & Northern is a community-focused bank holding company providing diversified banking, wealth management, and insurance services across Pennsylvania and New York.
What CITIZENS AND NORTHERN CORP does
Citizens & Northern Corporation is a bank holding company that provides community banking services through its subsidiary, Citizens & Northern Bank. It offers a range of deposit and loan products for personal and commercial customers, alongside wealth management services including trust, retirement planning, and investment brokerage. The company operates primarily across Pennsylvania and New York through a network of branch offices.
Themes: community banking, wealth management, insurance services, regional economic development
Fundamentals
- Price$25.80 as of 2026-08-21 close
- Market cap$463M as of 2026-08-21
- 1-year return+32.4% 2025-08-21 close $19.48 → 2026-08-21 close $25.80
- P/E26.74 as of 2026-08-24
- Net margin+25.6% as of 2026-08-24
- ROE+5.5% as of 2026-08-24
- Debt / equity0.12 as of 2026-08-24
- Revenue growth (YoY)+23.9% as of 2026-08-24
- Beta0.41 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.7%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CZNC compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CZNC's dividend was covered by reported results (earnings payout 70%, free-cash-flow payout 54%). This describes past coverage, not a forecast.
- Earnings payout70% dividends / net income
- Free-cash-flow payout54% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How CITIZENS AND NORTHERN CORP looks technically
CITIZENS AND NORTHERN CORP (CZNC) is trading 16.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 176 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 4 trading days ago. It is 1.8% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 16.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +16.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $23.92 | $23.92 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $22.16 | $22.16 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 24. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible upward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 176 trading days ago — a "golden cross", a bullish long-term signal | 176 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control | 32.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30) | 65.5 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($24.59 to $26.26) — its "stochastic" reading is 72 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 72.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $26.26 | $26.26 |
|---|---|---|
| From the 52-week high | it is 1.8% below its 52-week high (its highest price of the past year) | -1.8% |
| Above the 52-week low | it is 36.5% above its 52-week low (its lowest price of the past year) | +36.5% |
| Below the 52-week high | it is 1.8% below its highest point of the past year | 1.8% |
| Since a 20-day breakout | it made a new 20-day high about 4 trading days ago | 4 sessions |
| Since a 55-day breakout | it made a new 55-day high about 4 trading days ago | 4 sessions |
| All-time high | its highest closing price on record is $37.51 (set on 2005-07-20) | $37.51 |
| Given back of the 52-week move | over the past year its closes ranged ($19.01 to $26.09), and it has given back only a small part of its rise from last year’s low — 4% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $21.49 to $21.71. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 4.1% |
| From the all-time high | it is 31.2% below its all-time high | -31.2% |
| Nearest price level | it is trading 7.0% above a support level at $24.01 — a price it turned at 7 times since 2026-02-04, most recently on 2026-07-16. Since 2024-08-21 it has 11 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -7.0% |
| All-time low | its lowest closing price on record is $8.15 (set on 2009-11-27) | $8.15 |
| Above the all-time low | it is 216.6% above its all-time low | +216.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move | 4th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5861 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5861 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $24.75 and $26.26 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $24.75 – $25.51 – $26.26 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 6.2 daily ranges above its 200-day average price (16.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.03× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Open gap | it gapped 3.3% above the previous close 48 sessions ago and has not traded back through the level it left behind at 21.32 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.3% |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.86% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 8.0 percentage points (the stock gained 10.4% while the market gained 2.3%) | +8.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.7 percentage points (the stock gained 21.8% while the market gained 3.1%) | +18.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.8 percentage points (the stock gained 8.2% while the market gained 11.1%) | -2.8% |
| vs market, 12 months | over the past 12 months this stock beat the market by 12.0 percentage points (the stock gained 32.4% while the market gained 20.5%) | +12.0% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 13% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.3% of the share price. | +13.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $22.94 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +12.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% above the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $25.36 — a volume-weighted average of daily closes over 22 sessions, not a true tick-by-tick VWAP. | +1.7% |
Price levels it has turned at before
CZNC last closed at $25.80 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $24.01 | Support | 7.0% below the last close | turned there 7 times · 2026-02-04 to 2026-07-16 |
| $22.69 | Support | 12.1% below the last close | turned there three times · 2025-01-30 to 2026-07-23 |
| $22.26 | Support | 13.7% below the last close | turned there five times · 2025-02-11 to 2026-07-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $24.00.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $24.50 and $25.43 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close above $26.26.
This reading has stood for 3 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · in a strong, established uptrend (ADX) · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$27.00 range $27.00 – $27.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CZNC
- Consensus EPS estimate$0.68 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in interest rates impacting net interest margin","Credit risk associated with the loan portfolio","Competition from larger banks and fintech companies for deposits and loans"]
What changed in the latest 10-Q
AI-assisted comparison of CZNC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added risk factor: 'military conflicts including the conflict in the Middle East and the possible expansion of such conflict and the potential geopolitical and economic consequences' (filed 2026-05-08)
- Added detailed description of changes in general economic conditions including 'unfavorable conditions and trends related to costs of living, unemployment levels, inflation, tariffs and economic growth' (filed 2026-05-08)
- Added 'BUSINESS COMBINATION' section describing October 1, 2025 Susquehanna acquisition with specific details on merger consideration ($44.6 million), shares issued (2.3 million), intangible assets (goodwill $10.8 million, core deposit intangible $10.7 million), and asset/liability details (filed 2026-05-08)
- Added 'EARNINGS OVERVIEW' section comparing Q1 2026 to Q1 2025 with net income of $273,000 and diluted EPS of $0.02 (filed 2026-05-08)
- Added detailed net interest income discussion showing increase of $8,479,000 and net interest margin improvement to 3.98% (filed 2026-05-08)
- Added detailed provision for credit losses discussion showing $13,602,000 provision in Q1 2026 versus $236,000 in Q1 2025, with specifics on $24 million non-owner occupied commercial real estate loan (filed 2026-05-08)
- Removed:
- Removed 'RECENTLY COMPLETED MERGER' section that described the merger in different format and structure (filed 2025-11-07)
- Removed the old earnings overview section comparing Q3 2025 to Q3 2024 (filed 2025-11-07)
- Removed disclosure of pre-tax merger-related expenses of $1,049,000 incurred in first nine months of 2025 and estimate of $7.5 million total (filed 2025-11-07)
- Removed references to September 30, 2025 financial statements and note about incomplete fair value calculations (filed 2025-11-07)
- Reworded:
- Changed 'are not statements of historical facts' to 'are not historical facts' in forward-looking statement disclaimer (filed 2026-05-08)
- Changed 'the Corporation' to 'the "Corporation"' in quotation marks in opening paragraph (filed 2026-05-08)
- Expanded risk factor from 'changes in general economic conditions' to include specific examples of unfavorable conditions (filed 2026-05-08)
- Changed 'the possibility that the Corporation's credit standards' to 'the possibility that the Corporation's credit standards' (stylistic punctuation change, filed 2026-05-08)
- Changed risk factor reference from 'Susquehanna Community Financial, Inc., ("Susquehanna")' to just 'Susquehanna (acquired by the Corporation October 1, 2025)' in different location (filed 2026-05-08)
- Changed section heading from 'RECENTLY COMPLETED MERGER' to 'BUSINESS COMBINATION' (filed 2026-05-08)
- Changed reference from 'C&N completed' to 'the Corporation completed' (filed 2026-05-08)
- Corrected spelling from 'Synder' to 'Snyder' in county name (filed 2026-05-08)
- Notes:
- The older filing (2025-11-07) appears to be a 10-Q for period ended 2025-09-30, while the newer filing (2026-05-08) is a 10-Q for period ended 2026-03-31, representing different reporting periods
- The newer filing text appears truncated at the end of the provision for credit losses discussion, cutting off mid-sentence regarding the office property
- The older filing text also appears truncated in the earnings overview section
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
4 open-market purchases and 3 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($71915) — 2 selling insiders
- Last 90 days4 buys ($9054) · 3 sells ($76747) — 2 buying, 2 selling insiders
- Last 180 days7 buys ($35253) · 3 sells ($76747) — 3 buying, 2 selling insiders
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of CZNC within a 30-day window between 2026-05-08 and 2026-06-05. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-03. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CZNC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CZNC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,599,895
- Reported value $35,741,657
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CZNC had 400,041 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CZNC had 2.23% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.53 days to cover at the same settlement.
- Reported short interest (shares) 400,041
- Short interest (% of shares outstanding) 2.23%
- Prior settlement (shares) 333,202
- Reported change 20.06%
- Days to cover (reported) 5.53
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fulton Financial Corporation (FULT)
- Penns Woods Bancorp (PWOD)
- Mid Penn Bancorp (MPB)
- Community Bank System (CBU)
- Fintech online financial institutions
- Credit unions
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare CZNC vs…
CITIZENS AND NORTHERN CORP is found in…
Frequently asked questions
What does CITIZENS AND NORTHERN CORP (CZNC) do?
Citizens & Northern Corporation is a bank holding company that provides community banking services through its subsidiary, Citizens & Northern Bank. It offers a range of deposit and loan products for personal and commercial customers, alongside wealth management services including trust, retirement planning, and investment brokerage. The company operates primarily across Pennsylvania and New York through a network of branch offices.
What sector is CITIZENS AND NORTHERN CORP (CZNC) in?
CITIZENS AND NORTHERN CORP (CZNC) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does CZNC pay a dividend?
Yes — CITIZENS AND NORTHERN CORP (CZNC) pays a dividend, with an indicated yield of about 5.69% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are CITIZENS AND NORTHERN CORP's (CZNC) competitors?
Notable peers of CITIZENS AND NORTHERN CORP (CZNC) include Fulton Financial Corporation, Penns Woods Bancorp, Mid Penn Bancorp, Community Bank System and Fintech online financial institutions. This peer set is informational only — not financial advice.
Is CITIZENS AND NORTHERN CORP (CZNC) overbought or oversold right now?
CITIZENS AND NORTHERN CORP (CZNC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 65, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CZNC come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.