Financial Services
Citizens & Northern Corporation(CZNC)
Live Price
Offline$21.88
-0.23% today
1Y Change
+15.18%
Window
Jun 25, 2025 β Jun 22, 2026
- Market Cap
- $390.00M
- Revenue Growth
- -0.8%
- EPS Growth
- -13.6%
- Dividend Yield
- 5.2%
Coverage: 249 bars Β· Jun 25, 2025 β Jun 22, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens & Northern Corporation (CZNC) is a Financial Services stock with a market cap of $390.00M and listed on NASDAQ. The stock last traded around $21.88 and up 15.2% across the available one-year price window (Jun 25, 2025 β Jun 22, 2026). Baseline metrics include revenue growth of -0.8%, EPS growth of -13.6%, a dividend yield of 5.2%. What stands out right now is revenue -0.8%, EPS -13.6%, free cash flow -3.3% with operating margin 12.9% and ROIC 2.6%. The dividend matters to the case here, with a current yield around 5.2%. Valuation is more restrained than many high-expectation growth names at P/E 22.1 and price/sales 2.4. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CZNC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-0.8% vs +3.4% peer median
Operating Margin
Above sector median
+12.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -0.8% and EPS is at -13.6%, with operating margin around 12.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 5.2%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.6% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS Ξ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | β | -0.8% | -0.8% | -9.4% |
2026 Jan 28, 2026 | -3.5% | +4.4% | +10.4% | +8.5% |
2025 Oct 23, 2025 | -11.3% | +1.2% | +1.3% | -1.0% |
Benchmark Edge
CZNC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CZNC
β
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CZNC Max Drawdown
-15.31%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CZNC and SPY.
Company Overview
Citizens & Northern Corporation
NASDAQ
Citizens & Northern Corporation is a bank holding company primarily engaged in offering a comprehensive suite of financial services through its subsidiary, Citizens & Northern Bank. The corporationβs primary function is to facilitate banking operations that include personal and business banking, wealth management, and lending solutions. Serving the communities in Pennsylvania and New York, it provides vital financial support to both retail and commercial customers. Key features of Citizens & Northern Corporation include personalized relationship banking, competitive interest rates, and a focus on customer-centric service delivery. By maintaining a robust local presence, the corporation plays a significant role in fostering regional economic development. Its services impact various sectors by providing necessary financial instruments for businesses to thrive and individuals to manage their finances effectively. Established in 1864, Citizens & Northern Corporation has maintained a significant presence in the financial market by embracing both traditional banking values and modern financial innovations.
- Leadership
- Mr. J. Bradley Scovill
- Employees
- 460
- Street Address
- 90-92 Main Street, PO Box 58
- Mailing
- Wellsboro, PA, 16901
- Region
- Wellsboro, PA, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 22.1
- EV/EBITDA
- 24.9
- Price/Sales
- 2.4
- Price/Book
- 1.1
Growth
- Revenue
- -0.8%
- EPS
- -13.6%
- Free Cash Flow
- -3.3%
Profitability
- Gross Margin
- 59.4%
- Operating Margin
- 12.9%
- Net Margin
- 10.5%
- ROE
- 5.5%
- ROIC
- 2.6%
Balance Sheet
- Debt/Equity
- 0.58
- Current Ratio
- β
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.