25.63 USD
↗ 0.44 (1.75%)AT CLOSE (03:59 PM EDT)
Citizens & Northern Corporation
CZNCNASDAQ • USD
25.63
↘ 0.01 (0.02%)
POST MARKET (AS OF 07:31 PM EDT)
Post Market
AS OF 07:31 PM EDT
25.63
↘ 0.01 (0.02%)
Market: CLOSED
Citizens & Northern Corporation (CZNC) is currently trading at $25.63. Technicals currently rate "Buy" while our fundamental analysis reads "Neutral". Notable factors include a bullish Golden Cross on the moving averages. The stock looks compelling on valuation, with multiples below sector averages across P/E, P/B, and EV/EBITDA.
Technical & fundamental data as of Oct 2, 2026.
Open?$25.35
High?$25.97
Low?$25.24
Prev. Close?$25.19
Volume?67.1K
Avg. Volume?60.0K
VWAP?$25.49
Rel. Volume?1.12x
Bid / Ask
Bid?$21.77 × 100
Ask?$29.42 × 100
Spread?$7.65
Midpoint?$25.60
Valuation & Ratios
Market Cap?459.7M
Shares Out?17.9M
Float?16.8M
Float %?93.6%
P/E Ratio?18.19
P/B Ratio?1.33
EPS?$1.41
Dividend?3.83%
Ex-Dividend?N/A
News
Profile
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
Address
90-92 MAIN ST
WELLSBORO, PA 16901
Phone: 877-838-2517
WELLSBORO, PA 16901
Phone: 877-838-2517
Technical OutlookBuy
Strong SellNeutralStrong Buy
Long-Term (Tide)?▲ Bullish(+1/3)
Medium-Term (Wave)?– Neutral(0/3)
Short-Term (Ripple)?▲ Bullish(+3/3)
MA Alignment?Mixed
Full Technical Analysis →Fundamental OutlookNeutral
Strong SellNeutralStrong Buy
F-Score?60
Z-Score?50
Momentum?75
Short Sent.?46
Piotroski F-Score?5/9Mixed
Confidence?71%Moderate
Short InterestHigh
Short % of Float?2.39%Low
Short Interest?401.6K
Days to Cover?7.1
Free Float16.8M
Avg Daily Volume56.2K
Settlement Date2026-09-15
Financial Health
Current Ratio?39.57Strong
Quick Ratio?39.57Strong
Cash Ratio?0.00Low
Debt/Equity?0.49Low
ValuationATTRACTIVELY VALUEDvs 10 peers + S&P 500
Score83/100
P/E?18.2FAIR▾
Peers9
S&P71
P/B?1.33CHEAP▾
Peers55
S&P91
P/S?2.41CHEAP▾
Peers91
S&P59
P/FCF?10.3CHEAP▾
Peers73
S&P88
EV/EBITDA?16.2FAIR▾
Peers9
S&P42
EV/Sales?3.30FAIR▾
Peers55
S&P56
Returns & Efficiency
ROE?7.3%FAIR▾
Peers9
S&P23
ROA?0.8%WEAK▾
Peers9
S&P10
Cash Flow & Enterprise
FCF?$44.8M
Enterprise Value?$629.7M
Fundamentals ratios updated end of day