Citizens & Northern Share Price (NASDAQ: CZNC)

$20.42

▲

0.29

(1.44%)

Last updated on August 27, 2025 at 1:29 AM IST

$₹

Check the interactive Citizens & Northern Stock chart to analyse performance

Citizens & Northern stock performance

as on August 27, 2025 at 1:29 AM IST

Today's Low:$20.11
Today's High:$20.42
$20.42
1.52%
Downside
Day's Volatility :1.52%
Upside
0.0%
52 Weeks Low:$17.85
52 Weeks High:$22.68
$20.42
12.59%
Downside
52 Weeks Volatility :21.3%
Upside
9.96%

Citizens & Northern Stock Returns

Period	Citizens & Northern Corp	Sector (Financials)	Index (Russel 2000)
3 Months	8.71%	4.6%	0.0%
6 Months	-3.33%	4.2%	0.0%
1 Year	2.36%	18.9%	0.0%
3 Years	-16.15%	57.9%	-6.9%

Citizens & Northern Corp Key Stats

Check Citizens & Northern key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$20.13
Open	$20.11
Today's High	$20.42
Today's Low	$20.11
Market Capitalization	$316.5M
Today's Volume	$21.7K
52 Week High	$22.68
52 Week Low	$17.85
Revenue TTM	$108.3M
Earnings Per Share (EPS)	$1.75
PE Ratio	11.66
Dividend Yield	5.56%
Profit Margin	24.88%
Quarterly Earnings Growth YOY	-0.01%
Return On Equity TTM	9.81%

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 Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Citizens & Northern investment value today

Current value as on today

₹1,07,142

Returns

₹7,142

(+7.14%)

Returns from Citizens & Northern Stock

₹2,716 (+2.72%)

Dollar Returns*

₹4,426 (+4.43%)

Indian investors sentiment towards Citizens & Northern Stock

75%

Period: Jul 27, 2025 to Aug 26, 2025. Change in 30 Days versus previous period

Search interest for Citizens & Northern Stock from India on INDmoney has increased by 75% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Citizens & Northern Corp

Name
Holdings %
Name
Holdings %
BlackRock Inc
7.92%
Vanguard Group Inc
5.19%
Nuveen, LLC
4.46%
Dimensional Fund Advisors, Inc.
3.79%
Geode Capital Management, LLC
2.31%
Citizens & Northern Corp
2.08%

Analyst Recommendation on Citizens & Northern Stock

Rating

Trend

Hold

0%Buy

57%Hold

42%Sell

Based on 7 Wall street analysts offering stock ratings for Citizens & Northern(by analysts ranked 0 to 5 stars)

Citizens & Northern Share Price Target

What analysts predicted

Upside of 2.84%

Target:

$21.00

Current:

$20.42

Citizens & Northern share price target is $21.00, a slight Upside of 2.84% compared to current price of $20.42 as per analysts' prediction.

Citizens & Northern Stock Insights

Price Movement
In the last 1 month, CZNC stock has moved up by 4.9%
Increasing Revenue
Revenue is up for the last 2 quarters, 38.33M → 40.59M (in $), with an average increase of 5.6% per quarter
Decreasing Net Profit
Netprofit is down for the last 3 quarters, 8.17M → 6.11M (in $), with an average decrease of 12.9% per quarter
CZNC vs DB (1 yr)
In the last 1 year, Deutsche Bank Ag has given 124.1% return, outperforming this stock by 122.6%
CZNC vs DB (3 yr)
In the last 3 years, Deutsche Bank Ag has given 355.4% return, outperforming this stock by 371.9%
Price to Sales
ForCZNC every $1 of sales, investors are willing to pay $2.9, whereas for Deutsche Bank Ag, the investors are paying $2.4 for every $1 of sales.

Citizens & Northern Corp Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$83.0M	↑ 19.12%
Net Income	$19.5M	↓ 11.4%
Net Profit Margin	23.51%	↓ 8.09%

	FY20	Y/Y Change
Revenue	$100.4M	↑ 21.05%
Net Income	$19.2M	↓ 1.45%
Net Profit Margin	19.14%	↓ 4.37%

	FY21	Y/Y Change
Revenue	$108.9M	↑ 8.47%
Net Income	$30.6M	↑ 58.95%
Net Profit Margin	28.04%	↑ 8.9%

	FY22	Y/Y Change
Revenue	$115.5M	↑ 5.99%
Net Income	$26.6M	↓ 12.88%
Net Profit Margin	23.05%	↓ 4.99%

	FY23	Y/Y Change
Revenue	$136.2M	↑ 17.98%
Net Income	$24.1M	↓ 9.28%
Net Profit Margin	17.72%	↓ 5.33%

	FY24	Y/Y Change
Revenue	$155.5M	↑ 14.11%
Net Income	$26.0M	↑ 7.5%
Net Profit Margin	16.7%	↓ 1.02%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$36.5M	↑ 1.7%
Net Income	$5.3M	↑ 24.52%
Net Profit Margin	14.53%	↑ 2.67%

	Q2 FY24	Q/Q Change
Revenue	$38.7M	↑ 5.98%
Net Income	$6.1M	↑ 15.21%
Net Profit Margin	15.79%	↑ 1.26%

	Q3 FY24	Q/Q Change
Revenue	$39.7M	↑ 2.59%
Net Income	$6.4M	↑ 4.12%
Net Profit Margin	16.03%	↑ 0.24%

	Q4 FY24	Q/Q Change
Revenue	$40.5M	↑ 2.06%
Net Income	$8.2M	↑ 28.42%
Net Profit Margin	20.17%	↑ 4.14%

	Q1 FY25	Q/Q Change
Revenue	$38.3M	↓ 5.42%
Net Income	$6.3M	↓ 23.01%
Net Profit Margin	16.42%	↓ 3.75%

	Q2 FY25	Q/Q Change
Revenue	$40.6M	↑ 5.91%
Net Income	$6.1M	↓ 2.8%
Net Profit Margin	15.07%	↓ 1.35%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$71.8M	↑ 11.48%

	FY20	Y/Y Change
Profit	$86.9M	↑ 21.01%

	FY21	Y/Y Change
Profit	$98.7M	↑ 13.56%

	FY22	Y/Y Change
Profit	$98.7M	↓ 0.02%

	FY23	Y/Y Change
Profit	$102.9M	↑ 4.3%

	FY24	Y/Y Change
Profit	$104.3M	↑ 1.32%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Profit	$24.3M	↑ 1.09%

	Q2 FY24	Q/Q Change
Profit	$26.3M	↑ 8.18%

	Q3 FY24	Q/Q Change
Profit	$25.6M	↓ 2.62%

	Q4 FY24	Q/Q Change
Profit	$28.2M	↑ 10.29%

	Q1 FY25	Q/Q Change
Profit	$26.4M	↓ 6.53%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$22.5M	↓ 13.25%
Investing Cash Flow	$22.7M	↓ 204.71%
Financing Cash Flow	$-46.8M	↑ 456.16%

	FY20	Y/Y Change
Operating Cash Flow	$24.8M	↑ 10.34%
Investing Cash Flow	$96.6M	↑ 326.06%
Financing Cash Flow	$-56.5M	↑ 20.57%

	FY21	Y/Y Change
Operating Cash Flow	$34.8M	↑ 40.59%
Investing Cash Flow	$-103.9M	↓ 207.57%
Financing Cash Flow	$68.9M	↓ 221.98%

	FY22	Y/Y Change
Operating Cash Flow	$34.6M	↓ 0.7%
Investing Cash Flow	$-234.7M	↑ 125.89%
Financing Cash Flow	$151.9M	↑ 120.58%

	FY23	Y/Y Change
Operating Cash Flow	$33.5M	↓ 3.04%
Investing Cash Flow	$-53.2M	↓ 77.33%
Financing Cash Flow	$24.7M	↓ 83.72%

	FY24	Y/Y Change
Operating Cash Flow	$33.0M	↓ 1.53%
Investing Cash Flow	$-20.9M	↓ 60.64%
Financing Cash Flow	$58.7M	↑ 137.32%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$5.7M	↓ 26.05%
Investing Cash Flow	$-18.6M	↑ 44.97%
Financing Cash Flow	$2.5M	↓ 74.25%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$8.6M	↑ 50.69%
Investing Cash Flow	$-18.4M	↓ 0.97%
Financing Cash Flow	$64.0M	↑ 2498.34%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$6.6M	↓ 23.57%
Investing Cash Flow	$22.0M	↓ 219.56%
Financing Cash Flow	$56.2M	↓ 12.29%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$12.1M	↑ 83.01%
Investing Cash Flow	$-5.9M	↓ 126.86%
Financing Cash Flow	$-63.9M	↓ 213.87%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$1.6M	↓ 86.89%
Investing Cash Flow	$-4.2M	↓ 29.65%
Financing Cash Flow	$-8.9M	↓ 86.15%

Citizens & Northern Technicals Summary

Sell

Neutral

Buy

Citizens & Northern is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Citizens & Northern Corp Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Citizens & Northern Corp	4.63%	-3.33%	2.36%	-16.15%	16.15%
U.s. Bancorp	4.52%	6.16%	6.21%	5.36%	30.56%
Icici Bank Ltd.	-4.45%	13.54%	9.9%	48.44%	183.54%
Pnc Financial Services Group, Inc.	3.5%	8.81%	13.59%	27.09%	81.13%
Deutsche Bank Ag	13.44%	69.61%	123.33%	346.66%	272.14%
Mizuho Financial Group, Inc.	10.27%	17.35%	58.15%	187.99%	137.23%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Citizens & Northern Corp	11.66	11.66	0.0	1.88	0.1	0.01	0.06	18.46
U.s. Bancorp	11.52	11.52	1.78	4.38	0.12	0.01	0.04	35.02
Icici Bank Ltd.	19.13	19.13	0.0	1.52	0.18	0.02	0.01	461.87
Pnc Financial Services Group, Inc.	13.73	13.73	2.22	15.53	0.11	0.01	0.03	131.61
Deutsche Bank Ag	12.96	12.96	0.62	3.58	0.08	0.0	0.02	40.98
Mizuho Financial Group, Inc.	13.67	13.67	1.31	0.0	0.08	0.0	0.03	4217.53

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Citizens & Northern Corp	Hold	$316.5M	16.15%	11.66	24.88%
U.s. Bancorp	Hold	$74.9B	30.56%	11.52	27.0%
Icici Bank Ltd.	Buy	$116.1B	183.54%	19.13	25.74%
Pnc Financial Services Group, Inc.	Buy	$79.0B	81.13%	13.73	29.23%
Deutsche Bank Ag	Buy	$71.2B	272.14%	12.96	20.55%
Mizuho Financial Group, Inc.	Buy	$81.7B	137.23%	13.67	22.79%

About Citizens & Northern Corp

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. The company also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Organization	Citizens & Northern
Employees	386
CEO	Mr. J. Bradley Scovill
Industry	Finance

Key Management of Citizens & Northern Corp

Name	Title
Mr. J. Bradley Scovill	President, CEO & Director
Ms. Kelley A. Cwiklinski	Executive VP & Chief Commercial Lending Officer
Mr. Mark A. Hughes	Treasurer
Mr. Philip Prough CFP, CIMA	Senior VP & Chief Investment Strategist
Ms. Shelley L. D'Haene	Executive VP and Chief Digital Channels & Payments Officer
Mr. Ryan Satalin	Senior Vice President & Regional Commercial Lending Executive
Peter Miklos	Executive VP & Regional Executive in the Lancaster & York Markets
Mr. Glenn Richard James Esq.	Corporate Secretary

Important FAQs about investing in CZNC Stock from India :

What is Citizens & Northern share price today?

Citizens & Northern share price today is $20.42 as on August 27, 2025 at 1:29 AM IST at the close of the market. Citizens & Northern share today touched a day high of $20.42 and a low of $20.11.

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

Citizens & Northern share touched a 52 week high of $22.68 and a 52 week low of $17.85. Citizens & Northern stock price today i.e. August 27, 2025 at 1:29 AM IST is closed at $20.42, lower by 9.96% versus the 52 week high.

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

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 .
Step 2: Search for Citizens & Northern on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Citizens & Northern Shares that will get you 0.0735 shares as per Citizens & Northern share price of $20.42 per share as on August 27, 2025 at 1:29 AM IST.

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 ₹87.6525 or $1 (as of August 27, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹876.53 in Citizens & Northern stock (as per the Rupee-Dollar exchange rate as on August 27, 2025). Based on Citizens & Northern share’s latest price of $20.42 as on August 27, 2025 at 1:29 AM IST, you will get 0.4897 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 16.15% share price returns and 18.61% 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?