Citizens & Northern Corp share price logo

Citizens & Northern Corp Share Price

NASDAQ: CZNC

Small Cap

$21.66

+0.24

(+1.12%)

as on

Citizens & Northern Corp Stock Performance

as on March 20, 2026 at 6:56 am IST

  • Day's Low

    Day's High

    $21.18
    $21.71
    downward going graph

    2.22%

    Downside

    0.23%

    Upside

    downward going graph

  • 52 Week's Low

    52 Week's High

    $18.02
    $24.12
    downward going graph

    16.81%

    Downside

    11.33%

    Upside

    downward going graph

Citizens & Northern Corp share price movements today

Previous Close
$21.42
Open
$21.24
Volume
155.1K
Day's Low - High
$21.18 - $21.71
52 Week Low - High
$18.02 - $24.12

Citizens & Northern Corp Historical Returns

1 Month Return
-8.93 %
3 Month Return
+ 3.33 %
1 Year Return
+ 5.24 %
3 Year Return
+ 0.88 %
5 Year Return
-12.42 %

Citizens & Northern Corp Stock Fundamentals & Key Indicators

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

Market Cap

$388.8M

EPS (TTM)

2.5

Dividend Yield

5.39%

Quarterly Earnings Growth YOY

-0.53%

PE Ratio (TTM)

14.87

Industry PE ratio

8.73103896103896

PEG Ratio

1.2074

EBITDA

-

Revenue (TTM)

116.6M

Profit Margin

20.09%

Return On Equity TTM

7.59%

Citizens & Northern Corp Stock Valuation

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

Citizens & Northern Corp in the last 5 years

  • Overview

  • Trends

Lowest (10.76x)

December 31, 2025

Industry (8.73x)

March 20, 2026

Today (14.87x)

March 20, 2026

Highest (14.60x)

September 30, 2022

LowHigh

Today’s Price to Earnings Ratio: 14.87x

Citizens & Northern Corp vs Peer Comparison

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

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
Citizens & Northern Corp image
Citizens & Northern Corp
HOLD$388.8M-12.42%14.8720.09%
Mizuho Financial Group, Inc. image
Mizuho Financial Group, Inc.
BUY$94.7B144.03%14.626.13%
Itaú Unibanco Holding S.a. image
Itaú Unibanco Holding S.a.
BUY$88.8B81.46%10.4732.28%
Pnc Financial Services Group, Inc. image
Pnc Financial Services Group, Inc.
BUY$81.3B14.94%12.1231.08%
U.s. Bancorp image
U.s. Bancorp
HOLD$79.7B-7.08%11.1128.72%
See all

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

The Citizens & Northern Corp 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

  • 1Y

  • 3Y

  • 5Y

  • 7Y

  • 10Y

Citizens & Northern Corp investment value today

Current value as on today

₹1,12,955

Returns

₹12,955

(+12.95%)

Returns from Citizens & Northern Corp Stock

₹4,993 (+4.99%)

Dollar Returns*

₹7,962 (+7.96%)

Analyst Recommendation on Citizens & Northern Corp 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 Corp. Average target price of $25

Citizens & Northern Corp Share Price Target

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

What analysts predicted

13.36%UPSIDE

Target Price

$25

Current Price

$21.66

Analyzed by

7 Analysts

Target

$25.00

Citizens & Northern Corp target price $25, a slight upside of 13.36% compared to current price of $21.66. According to 7 analysts rating.

Citizens & Northern Corp Stock’s Investor Sentiment and Interest

Search interest for Citizens & Northern Corp Stock has decreased by -43% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-43% versus previous 30 day period

Citizens & Northern Corp Quarterly Profit & Loss

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Total Revenue
35
35
36
38
39
40
38
40
40
36
Gross Profit
26
24
24
26
25
28
26
26
26
21
Operating Income
9
5
6
7
7
10
7
7
8
5
EBITDA
9
6
6
8
8
10
8
8
8
5
Interest Expense
9
10
11
11
12
12
11
11
11
12
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
9
5
6
7
7
10
7
7
8
5
Income Tax Expense
1
1
1
1
1
1
1
1
1
0
Net Income
7
4
5
6
6
8
6
6
6
4
Net Profit Margin
21.62%
11.97%
14.53%
15.79%
16.03%
20.17%
16.42%
15.22%
16.21%
12.40%

Citizens & Northern Corp 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
28
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 Corp Quarterly Cash Flow

All numbers in Millions USD

Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Net Income
4
5
6
6
8
6
6
6
4
Operating Cash Flow
7
5
8
6
12
1
8
11
10
Investing Cash Flow
-12
-18
-18
22
-5
-4
-16
-29
50
Financing Cash Flow
9
2
64
56
-63
-8
-6
42
-137
Change in Cash
4
-10
54
84
-57
-11
-14
24
-76

Citizens & Northern Corp 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

Global Institutional Holdings in Citizens & Northern Corp

Funds
Holdings
Renaissance Technologies Corp
0.3%
Cetera Investment Advisers
0.25%
Charles Schwab Investment Management Inc
0.28%
Stifel Financial Corp
0.27%
Cetera Investment Advisers
0.25%
See all

Insights on Citizens & Northern Corp

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 3.3%

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Itaú Unibanco Holding S.a. has given 47.8% return, outperforming this stock by 42.6%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Mizuho Financial Group, Inc. has given 109.1% return, outperforming this stock by 108.2%

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 2 quarters, 6.55M → 4.46M (in $), with an average decrease of 31.8% per quarter

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 2 quarters, 40.42M → 36.02M (in $), with an average decrease of 10.9% per quarter

About Citizens & Northern Corp

founded in 1864 as the first national bank of wellsborough, c&n is a full-service financial institution with branch offices in eight counties across northern pennsylvania and southern new york. for over 150 years, c&n has been committed to the businesses and families in our local communities. c&n has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share c&n’s mission to enhance the lives of our neighbors in the communities we serve. citizens & northern corporation is a bank holding company with assets exceeding $1.2 billion and is headquartered in wellsboro, pa. banking services are provided by its subsidiary, citizens & northern bank, from 26 banking offices in bradford, cameron, lycoming, mckean, potter, sullivan and tioga counties in pennsylvania and steuben county in new york. investment products are offered through c&n investment services and insurance products are offered through c&n financ
OrganisationCitizens & Northern Corp
Headquarters90-92 Main Street, Wellsboro, PA, United States, 16901
IndustryFinance
CEOMr. J. Bradley Scovill
E-voting on sharesClick here to vote

Key Management of Citizens & Northern Corp

Name

Title

Mr. Ryan J. Satalin

SVP & Regional Commercial Lending Executive

Mr. Jeffrey G. Hollenbach

Executive VP & Region President

Mr. Chau Nguyen

Senior VP & Senior Commercial Lending Relationship Manager

Mr. Michael Kilgour

Senior VP & Senior Commercial Lending Relationship Manager

Mr. J. Bradley Scovill

President, CEO & Director

Ms. Kelley A. Cwiklinski

Executive VP & Chief Commercial Lending Officer

Mr. Mark A. Hughes

Treasurer

Ms. Shelley L. D'Haene

Executive VP and Chief Digital Channels & Payments Officer

Mr. David S. Runk

Executive VP & Strategic Advisor

Stephen Sherman

Senior VP & Regional Commercial Lending Executive

FAQs

What is Citizens & Northern Corp share price today?

Citizens & Northern Corp share price today is $21.66 as on at the close of the market. Citizens & Northern Corp share today touched a day high of $21.71 and a low of $21.18.

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

Citizens & Northern Corp share touched a 52 week high of $24.12 on and a 52 week low of $18.02 on . Citizens & Northern Corp stock price today i.e. is closed at $21.66,which is 10.18% down from its 52 week high and 20.20% up from its 52 week low.

What is Citizens & Northern Corp's market capitalisation today?

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

How to invest in Citizens & Northern Corp 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 Corp on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Citizens & Northern Corp Shares that will get you 0.0693 shares as per Citizens & Northern Corp share price of $21.66 per share as on March 20, 2026 at 1:26 am IST.

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

Indian investors can start investing in Citizens & Northern Corp (CZNC) shares with as little as ₹93.193 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹931.93 in Citizens & Northern Corp stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens & Northern Corp share’s latest price of $21.66 as on March 20, 2026 at 1:26 am IST, you will get 0.4617 shares of Citizens & Northern Corp. Learn more about fractional shares .

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

Citizens & Northern Corp stock has given -12.42% share price returns and 27.41% 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?