Citizens & Northern share price logo

Citizens & Northern

NASDAQ: CZNC

$26.11

+0.28

(+1.08%)

as on

Citizens & Northern Stock Performance

as on September 5, 2026 at 2:15 pm IST

  • Day's Low

    Day's High

    $25.68
    $26.17
    downward going graph

    1.65%

    Downside

    0.23%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $18.87
    $26.26
    downward going graph

    27.73%

    Downside

    0.57%

    Upside

    downward going graph

Citizens & Northern share price movements today

Previous Close
$25.83
Open
$26.10
Volume
145.9K
Market Cap
$454.1M
Dividend Yield
433.60%
Day's Low - High
$25.68 - $26.17
52 Week Low - High
$18.87 - $26.26

Citizens & Northern Historical Returns

1 Month Return
+ 1.85 %
3 Month Return
+ 23.59 %
1 Year Return
+ 26.49 %
3 Year Return
+ 41.07 %
5 Year Return
+ 2.83 %

Citizens & Northern Stock Fundamentals & Key Indicators

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

Market Cap

$454.1M

EPS (TTM)

2.17

Dividend Yield

433.60%

Quarterly Earnings Growth YOY

1.00%

PE Ratio (TTM)

17.57

Industry PE ratio

11.20

PEG Ratio

1.2074

EBITDA

-

Revenue (TTM)

127.3M

Profit Margin

19.92%

Return On Equity TTM

8.02%

Citizens & Northern Stock Valuation

Track how Citizens & Northern P/E has moved over time to understand its valuation trends.

Citizens & Northern in the last 5 years

  • Overview

  • Trends

Lowest (10.78x)

December 31, 2025

Industry (11.20x)

September 4, 2026

Today (17.57x)

September 4, 2026

Highest (15.19x)

March 31, 2026

LowHigh

Today’s Price to Earnings Ratio: 17.57x

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 %
HOLD$454.1M2.83%17.5719.92%433.6%
BUY$133.9B291.7%15.3829.14%165.85000000000002%
BUY$94.7B28.02%13.4967.91%2.9000000000000004%
NA$155.5BNA7.0387.19%4.91%
BUY$109.5B52.86%18.1468.53%0.84%

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

₹1,37,005

Returns

₹37,005

(+37%)

Returns from Citizens & Northern Stock

₹27,865 (+27.86%)

Dollar Impact

₹9,140 (+9.14%)

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

3.3%UPSIDE

Target Price

$27

Current Price

$26.11

Analyzed by

7 Analysts

Target

$27.00

Citizens & Northern target price $27, a slight upside of 3.3% compared to current price of $26.11. According to 7 analysts rating.

Indian Investors' Interest in Citizens & Northern Stock

Search interest for Citizens & Northern Stock has increased by 14% in the last 30 days, reflecting an upward trend in search activity.

Time period: to

Change:14% 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
14.53%
15.79%
16.03%
20.17%
16.42%
15.22%
16.21%
12.40%
0.56%
35.94%

Citizens & Northern Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
59
60
69
82
100
108
115
136
155
154
Gross Profit
54
56
64
71
86
98
98
102
104
100
Operating Income
21
20
26
23
23
37
32
30
31
28
EBITDA
22
22
28
25
25
39
34
32
34
31
Interest Expense
3
3
4
10
9
6
9
33
48
47
Depreciation
-
1
1
1
1
2
2
2
2
2
Income Before Tax
21
20
26
23
23
37
32
30
31
28
Income Tax Expense
5
7
4
3
3
7
5
6
5
5
Net Income
15
13
22
19
19
30
26
24
25
23
Net Profit Margin
26.43%
22.03%
31.60%
23.51%
19.14%
28.04%
23.05%
17.72%
16.70%
15.19%

Citizens & Northern Quarterly Cash Flow

All numbers in Millions USD

Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
6
6
8
6
6
6
4
0
14
Operating Cash Flow
8
6
12
1
8
11
10
8
15
Investing Cash Flow
-18
22
-5
-4
-16
-29
50
-34
36
Financing Cash Flow
64
56
-63
-8
-6
42
-137
34
-23
Change in Cash
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
0
Financing Cash Flow
19
-8
-46
-56
68
151
24
58
-111
Change in Cash
8
-4
-1
64
0
-48
5
70
-78

Mutual Funds that own Citizens & Northern Stock

Check out the Mutual Funds with significant holdings in Citizens & Northern.

Funds
Holdings
Shares Held
VANGUARD INDEX FUNDS
3.946284%
707761
DFA INVESTMENT DIMENSIONS GROUP INC
1.644695%
294974
Fidelity Salem Street Trust
1.088527%
195226
Fidelity Concord Street Trust
0.898411%
161129
VANGUARD SCOTTSDALE FUNDS
0.555214%
99577

Global Institutional Holdings in Citizens & Northern

Funds
Holdings
Vanguard
4.97%
iShares
3.9%
Dimensional
1.49%
SPDR
0.47%
WisdomTree
0.45%

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

    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

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 3 months, CZNC stock has moved up by 22.3%

  • 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 72.5% return, outperforming this stock by 43.0%

  • 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 234.2% return, outperforming this stock by 191.6%

  • 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 bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's 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. It 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. The company 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.
OrganisationCitizens & Northern
Headquarters90-92 Main Street, Wellsboro, PA, United States, 16901
IndustryBanks - Regional
CEOMr. J. Bradley Scovill
E-voting on sharesClick here to vote

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

Mr. Michael Kilgour

Senior VP & Senior Commercial Lending Relationship Manager

Mr. Philip Prough CFP, CIMA

Senior VP & Chief Investment Strategist

Mr. Mark A. Hughes

Treasurer

Mr. Ryan J. Satalin

SVP & Regional Commercial Lending Executive

Stephen Sherman

Senior VP & Regional Commercial Lending Executive

Mr. J. Bradley Scovill

President, CEO & Director

FAQs

What is Citizens & Northern share price today?

Citizens & Northern share price today is $26.11 as on at the close of the market. Citizens & Northern share today touched a day high of $26.17 and a low of $25.68.

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

Citizens & Northern share touched a 52 week high of $26.26 on and a 52 week low of $18.87 on . Citizens & Northern stock price today i.e. is closed at $26.11,which is 0.57% down from its 52 week high and 38.37% 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. You can invest as low as $1.5 in Citizens & Northern Shares that will get you 0.0574 shares as per Citizens & Northern share price of $26.11 per share as on September 5, 2026 at 8:45 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 ₹94.49 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹944.90 in Citizens & Northern stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens & Northern share’s latest price of $26.11 as on September 5, 2026 at 8:45 am IST, you will get 0.3830 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 2.83% share price returns and 29.96% 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?