Citizens & Northern share price logo

Citizens & Northern

NASDAQ: CZNC

Small Cap

$25.49

-0.14

(-0.55%)

as on

Citizens & Northern Stock Performance

as on October 6, 2026 at 6:59 am IST

  • Day's Low

    Day's High

    $25.24
    $25.58
    downward going graph

    0.98%

    Downside

    0.35%

    Upside

    downward going graph

  • 52 Week's Low

    52 Week's High

    $18.87
    $26.37
    downward going graph

    25.97%

    Downside

    3.45%

    Upside

    downward going graph

Citizens & Northern share price movements today

Previous Close
$25.63
Open
$25.46
Volume
180.9K
Market Cap
$459.7M
Dividend Yield
4.37%
Day's Low - High
$25.24 - $25.58
52 Week Low - High
$18.87 - $26.37

Citizens & Northern Historical Returns

1 Month Return
-1.84 %
3 Month Return
+ 8.46 %
1 Year Return
+ 31.64 %
3 Year Return
+ 41.21 %
5 Year Return
-1.42 %

Citizens & Northern Stock Fundamentals & Key Indicators

Check Citizens & Northern market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$459.7M

EPS (TTM)

1.4755

Dividend Yield

4.37%

Quarterly Earnings Growth YOY

1.00%

PE Ratio (TTM)

17.37

Industry PE ratio

12.02

PEG Ratio

-1.13

EBITDA

14.7M

Revenue (TTM)

164.3M

Profit Margin

51.76%

Return On Equity TTM

7.70%

Citizens & Northern vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Citizens & Northern with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
Citizens & Northern image
Citizens & Northern
Hold$459.7M-1.42%17.3751.76%4.37%
Mizuho Financial image
Mizuho Financial
Buy$130.5B290.32%15.3429.14%1.69%
Itau Unibanco image
Itau Unibanco
Buy$99.1B114.84%11.0834.49%6.08%
China Merchants Bank image
China Merchants Bank
NA$156.5BNA7.0787.19%4.49%
Icici Bank image
Icici Bank
Buy$97.3B45.65%16.7168.53%0.91%

Stock Returns calculator for Citizens & Northern Stock including INR - Dollar returns

The Citizens & Northern stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

  • 7Y

  • 10Y

Citizens & Northern investment value today

Current value as on today

₹1,42,092

Returns

₹42,092

(+42.09%)

Returns from Citizens & Northern Stock

₹30,919 (+30.92%)

Dollar Impact

₹11,173 (+11.17%)

Analyst Recommendation on Citizens & Northern Stock

Based on 7 analysts

HOLD

0.00%

Buy

57.14%

Hold

42.86%

Sell

Based on 7 analysts, 57.14% of analysts recommend a 'HOLD' rating for Citizens & Northern. Average target price of $27

Citizens & Northern Share Price Target

Get share price movements and forecasts by analysts on Citizens & Northern.

What analysts predicted

5.59%UPSIDE

Target Price

$27

Current Price

$25.49

Analyzed by

7 Analysts

Target

$27.00

Citizens & Northern target price $27, a slight upside of 5.59% compared to current price of $25.49. According to 7 analysts rating.

Indian Investors' Interest in Citizens & Northern Stock

Search interest for Citizens & Northern Stock has decreased by -75% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-75% versus previous 30 day period

Citizens & Northern Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
36
38
39
40
38
40
40
36
48
39
Gross Profit
24
26
25
28
26
26
26
21
23
13
Operating Income
6
7
7
10
7
7
8
5
0
0
EBITDA
6
8
8
10
8
8
8
6
1
-1
Interest Expense
11
11
12
12
11
11
11
12
12
11
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
6
7
7
10
7
7
8
5
0
17
Income Tax Expense
1
1
1
1
1
1
1
0
0
3
Net Income
5
6
6
8
6
6
6
4
0
14
Net Profit Margin
66.46%
67.85%
64.40%
69.59%
68.77%
66.00%
66.48%
60.44%
47.24%
34.20%

Citizens & Northern Annual Profit & Loss

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
60
69
82
100
108
115
136
155
154
Gross Profit
56
64
71
86
98
98
102
104
100
Operating Income
20
26
23
23
37
32
30
31
28
EBITDA
22
28
25
25
39
34
32
34
31
Interest Expense
3
4
10
9
6
9
33
48
47
Depreciation
1
1
1
1
2
2
2
2
2
Income Before Tax
20
26
23
23
37
32
30
31
28
Income Tax Expense
7
4
3
3
7
5
6
5
5
Net Income
13
22
19
19
30
26
24
25
23
Net Profit Margin
92.27%
92.52%
86.58%
86.55%
90.62%
85.47%
75.56%
67.09%
65.34%

Citizens & Northern Quarterly Cash Flow

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
5
6
6
8
6
6
6
4
0
14
Operating Cash Flow
5
8
6
12
1
8
11
10
8
15
Investing Cash Flow
-18
-18
22
-5
-4
-16
-29
50
-34
36
Financing Cash Flow
2
64
56
-63
-8
-6
42
-137
34
-23
Change in Cash
-10
54
84
-57
-11
-14
24
-76
8
27

Citizens & Northern Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
13
22
19
19
30
26
24
25
23
Operating Cash Flow
19
25
22
24
34
34
33
33
32
Investing Cash Flow
-30
-21
22
96
-103
-234
-53
-20
2
Financing Cash Flow
19
-8
-46
-56
68
151
24
58
-111
Change in Cash
8
-4
-1
64
0
-48
5
70
-78

Global Institutional Holdings in Citizens & Northern

Check out the Institutions with significant holdings in Citizens & Northern.

Funds
Holdings
Vanguard
5.01%
VANGUARD INDEX FUNDS
3.95%
iShares
3.86%
DFA INVESTMENT DIMENSIONS GROUP INC
1.64%
DFA
1.20%
See all

Insights on Citizens & Northern

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 3 months, CZNC stock has moved up by 8.5%

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 2 quarters, 273.0K → 14.05M (in $), with an average increase of 98.1% per quarter

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 222.2% return, outperforming this stock by 181.0%

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 64.8% return, outperforming this stock by 33.2%

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 2 quarters, 48.78M → 39.11M (in $), with an average decrease of 19.8% per quarter

About Citizens & Northern

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
OrganisationCitizens & Northern
Headquarters90-92 Main Street, Wellsboro, PA, 16901, US
IndustryBanks - Regional
CEOJ. Bradley Scovill

Key Management of Citizens & Northern

Name

Title

Ms. Shelley L. D'Haene

Executive VP and Chief Digital Channels & Payments Officer

Mr. Jeffrey G. Hollenbach

Executive VP & Region President

Mr. David S. Runk

Executive VP & Strategic Advisor

Mr. Chau Nguyen

Senior VP & Senior Commercial Lending Relationship Manager

Stephen Sherman

Senior VP & Regional Commercial Lending Executive

Mr. Mark A. Hughes

Treasurer

Mr. Philip Prough CFP, CIMA

Senior VP & Chief Investment Strategist

Mr. Michael Kilgour

Senior VP & Senior Commercial Lending Relationship Manager

Mr. J. Bradley Scovill

President, CEO & Director

Mr. Ryan J. Satalin

SVP & Regional Commercial Lending Executive

FAQs

What is Citizens & Northern share price today?

Citizens & Northern share price today is $25.49 as on at the close of the market. Citizens & Northern share today touched a day high of $25.58 and a low of $25.24.

What is the 52 week high and 52 week low for Citizens & Northern share?

Citizens & Northern share touched a 52 week high of $26.37 on and a 52 week low of $18.87 on . Citizens & Northern stock price today i.e. is closed at $25.49,which is 3.34% down from its 52 week high and 35.08% up from its 52 week low.

What is Citizens & Northern's market capitalisation today?

Citizens & Northern market capitalisation is $0.00T as on .

How to invest in Citizens & Northern Stock (CZNC) from India?

  1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
  2. Step 2: Search for Citizens & Northern on INDmoney app. Click on Buy button.

What is the minimum amount required to buy Citizens & Northern Stock (CZNC) from India?

Indian investors can start investing in Citizens & Northern (CZNC) shares with as little as ₹96.292503356934 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹962.93 in Citizens & Northern stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens & Northern share’s latest price of $25.49 as on October 6, 2026 at 1:29 am IST, you will get 0.3923 shares of Citizens & Northern. Learn more about fractional shares .

What are the returns that Citizens & Northern has given to Indian investors in the last 5 years?

Citizens & Northern stock has given -1.42% share price returns and 29.18% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?