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Financial Services

Citizens & Northern Corporation(CZNC)

Live Price

Offline

$22.45

-0.27% today

1Y Change

+12.71%

Window

Jun 26, 2025 β†’ Jun 22, 2026

Market Cap
$390.00M
Revenue Growth
-0.8%
EPS Growth
-13.6%
Dividend Yield
5.2%

Coverage: 248 bars Β· Jun 26, 2025 β†’ Jun 22, 2026

Research Briefing

A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.

Decision context

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 $22.45 and up 12.7% across the available one-year price window (Jun 26, 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.

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.

Shared 1Y chart + MAX history table

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

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Calendar-Year Returns

Uses the longest available daily history for CZNC and SPY.

Calendar-year return history is still loading or unavailable.

Earnings Reports

πŸ“… Last reportedApr 22, 2026
PeriodB/MEPSEPS Ξ”RevenueRev Ξ”Report
β€”
Apr 22, 26
β€”
Est 0.58
β€”
β€”
Est 35600.0B
β€”
Apr 22
β€”
Jan 28, 26
βœ—
0.56
Est 0.58
-3.5%
36833.0B
Est 35400.0B
+4.0%
Jan 28
β€”
Oct 23, 25
βœ—
0.47
Est 0.53
-11.3%
29038.0B
Est 28600.0B
+1.5%
Oct 23
β€”
Aug 8, 25
βœ—
0.40
Est 0.47
-14.9%
26930.0B
Est 27700.0B
-2.8%
Aug 8
β€”
Apr 23, 25
βœ—
0.41
Est 0.44
-6.8%
26596.0B
Est 27700.0B
-4.0%
Apr 23
β€”
Jan 23, 25
βœ“
0.53
Est 0.45
+17.8%
27672.0B
Est 26900.0B
+2.9%
Jan 23
β€”
Oct 17, 24
βœ—
0.41
Est 0.45
-8.9%
26779.0B
Est 26950.0B
-0.6%
Oct 17
β€”
Aug 7, 24
βœ“
0.40
Est 0.39
+2.6%
26826.0B
Est 26520.0B
+1.1%
Aug 7
β€”
May 7, 24
β€”
0.35
Est 0.35
0.0%
25229.0B
Est 26680.0B
-5.4%
May 7
β€”
Mar 11, 24
βœ—
0.28
Est 0.36
-22.2%
35606.0B
Est β€”
β€”
Mar 11
β€”
Nov 6, 23
βœ“
0.50
Est 0.40
+25.0%
25648.0B
Est 26760.0B
-4.2%
Nov 6
β€”
Aug 8, 23
βœ“
0.39
Est 0.37
+5.4%
26601.0B
Est 26590.0B
+0.0%
Aug 8
β€”
May 5, 23
βœ—
0.40
Est 0.42
-4.8%
25922.0B
Est 26660.0B
-2.8%
May 5
β€”
Mar 16, 23
βœ—
0.46
Est 0.48
-4.2%
31491.0B
Est β€”
β€”
Mar 16
β€”
Nov 7, 22
βœ—
0.29
Est 0.47
-38.3%
26153.0B
Est 26390.0B
-0.9%
Nov 7
β€”
Jul 21, 22
βœ“
0.48
Est 0.44
+9.1%
26107.0B
Est 26070.0B
+0.1%
Jul 21
β€”
May 6, 22
βœ“
0.44
Est 0.40
+10.0%
25771.0B
Est 25067.0B
+2.8%
May 6
β€”
Jan 20, 22
β€”
0.46
Est 0.46
0.0%
25747.0B
Est 26030.0B
-1.1%
Jan 20
β€”
Nov 8, 21
βœ“
0.47
Est 0.46
+2.2%
27098.0B
Est 26560.0B
+2.0%
Nov 8
β€”
Aug 6, 21
βœ—
0.44
Est 0.47
-6.4%
26375.0B
Est 26560.0B
-0.7%
Aug 6
No upcoming earnings in the next 90 days

Next Step

Connect reports to catalysts

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