Citizens & Northern Corp (CZNC) Stock Price & Analysis
Citizens & Northern Corp (CZNC) rose 4.69% to USD 24.35 as of July 25, 2026 at 08:28 UTC, according to Nexqual real-time market data.
CZNC last closed at USD 23.26; the session ranged USD 23.51–25 on volume of 78,550 shares. Market capitalization is $436.27M, with a 52-week range of USD 18.16–25 (NCM). Source: Nexqual, July 25, 2026 at 08:28 UTC.
Key Statistics (as of July 25, 2026 at 08:28 UTC)
| Price | USD 24.35 |
|---|---|
| Change | ▲ 4.69% (up) |
| Previous Close | USD 23.26 |
| Open | USD 23.51 |
| Day Range | USD 23.51 – 25 |
| 52-Week Range | USD 18.16 – 25 |
| Volume | 78,550 shares |
| Market Cap | $436.27M |
| Exchange | NCM |
Technical Analysis (CZNC)
Nexqual's technical model rates CZNC "BUY" based on 5 bullish and 1 bearish signals across 125 daily candles, as of July 25, 2026 at 08:28 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 67.11 (neutral) |
| vs SMA50 | Above (USD 22.11) |
| MACD | 0.38 (positive) |
Analyst Ratings (CZNC)
Wall Street analysts rate CZNC "None" based on 1 analysts, with a mean price target of USD 24 (range USD 24–24), per Nexqual as of July 25, 2026 at 08:28 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 1 |
| Mean Target | USD 24 |
| High Target | USD 24 |
| Low Target | USD 24 |
| Buy / Hold / Sell | 0 / 1 / 0 |
Earnings (CZNC)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 0.66 |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.79 vs est 0.63 ▲ beat |
| 2026-03-31 | USD 0.02 vs est 0.58 ▼ miss |
| 2025-12-31 | USD 0.57 vs est 0.59 ▼ miss |
| 2025-09-30 | USD 0.47 vs est 0.53 ▼ miss |
Source: Nexqual, July 25, 2026 at 08:28 UTC.
Financials & Fundamentals (CZNC)
| Total Revenue | $112.93M |
|---|---|
| Revenue Growth (YoY) | -13.80% |
| Gross Margin | +0.00% |
| Operating Margin | +1.45% |
| Profit Margin | +15.41% |
| ROE | +5.64% |
| Total Cash | $55.98M |
| Total Debt | $194.23M |
Source: Nexqual, July 25, 2026 at 08:28 UTC.
Financial Health Score (CZNC)
Nexqual rates Citizens & Northern Corp's overall financial health "Weak" across five dimensions, as of July 25, 2026 at 08:28 UTC.
| Growth | Weak — Revenue -2% YoY (annual), declining |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $56M cash vs $194M debt |
| Cash Flow | Solid — Operating cash flow $39M |
| Efficiency | Mixed — ROE 6%, ROA 0.6% |
Ownership (CZNC)
| Insider Ownership | +4.16% |
|---|---|
| Institutional Ownership | +31.85% |
| Shares Outstanding | 17.92M |
| Float | 17.01M |
| Short % of Float | +2.22% |
Source: Nexqual, July 25, 2026 at 08:28 UTC.
Leadership (CZNC)
Citizens & Northern Corp is led by J. Bradley Scovill (age 66), President, CEO & Director, per Nexqual as of July 25, 2026 at 08:28 UTC.
| President, CEO & Director | J. Bradley Scovill (age 66) |
|---|
Major Backers & Investors (CZNC)
Notable institutional backers of Citizens & Northern Corp include Citizens & Northern Corp, Fidelity, DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Targeted Value Portfolio, according to Nexqual as of July 25, 2026 at 08:28 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Citizens & Northern Corp | 1.95% |
| Fidelity | 1.48% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Targeted Value Portfolio | 1.02% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.57% |
| Vanguard Group | 9.15% |
| Dimensional Fund Advisors | 3.96% |
| Geode Capital | 2.35% |
| State Street | 1.87% |
| Northern Trust | 0.77% |
Source: Nexqual, July 25, 2026 at 08:28 UTC.
From Citizens & Northern Corp's Latest SEC 10-K Filing (filed 2026-03-06)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| CHMG | Chemung Financial Corp | USD 80.98 | ▲ 8.05% |
| FNLC | First Bancorp, Inc (ME) | USD 34.98 | ▲ 3.19% |
| CFFI | C&F Financial Corporation | USD 78 | ▼ 0.15% |
| CBAN | Colony Bankcorp, Inc. | USD 21.84 | ▲ 6.23% |
| BCBP | BCB Bancorp, Inc. (NJ) | USD 10.14 | ▼ 1.46% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 08:28 UTC. This page is informational and not investment advice.