27.75 USD
↗ 1.11 (4.17%)AT CLOSE (03:59 PM EDT)
Citizens & Northern Corporation
CZNCNASDAQ • USD
27.77
↗ 0.02 (0.07%)
POST MARKET (AS OF 07:31 PM EDT)
Post Market
AS OF 07:31 PM EDT
27.77
↗ 0.02 (0.07%)
Market: CLOSED
Citizens & Northern Corporation (CZNC) is currently trading at $27.75. The stock presents a bullish profile across the board: both technical indicators and our fundamental models signal a "Strong Buy" and "Buy" respectively. Notable factors include a bullish Golden Cross on the moving averages and bullish moving average alignment. 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 23, 2026.
Open?$26.64
High?$27.78
Low?$26.64
Prev. Close?$26.64
Volume?114.8K
Avg. Volume?59.9K
VWAP?$27.43
Rel. Volume?1.92x
Bid / Ask
Bid?$22.22 × 100
Ask?$27.81 × 100
Spread?$5.59
Midpoint?$25.02
Valuation & Ratios
Market Cap?497.7M
Shares Out?17.9M
Float?16.8M
Float %?93.6%
P/E Ratio?19.70
P/B Ratio?1.44
EPS?$1.41
Dividend?3.54%
Ex-Dividend?2026-11-02
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 OutlookStrong Buy
Strong SellNeutralStrong Buy
Long-Term (Tide)?▲ Bullish(+2/3)
Medium-Term (Wave)?▲ Bullish(+3/3)
Short-Term (Ripple)?▲ Bullish(+2/3)
MA Alignment?Golden Alignment
Full Technical Analysis →Fundamental OutlookBuy
Strong SellNeutralStrong Buy
F-Score?60
Z-Score?50
Momentum?75
Short Sent.?76
Piotroski F-Score?5/9Mixed
Confidence?71%Moderate
Short InterestHigh
Short % of Float?2.07%Low
Short Interest?348.0K
Days to Cover?6.5
Free Float16.8M
Avg Daily Volume53.9K
Settlement Date2026-09-30
Financial Health
Current Ratio?39.57Strong
Quick Ratio?39.57Strong
Cash Ratio?0.00Low
Debt/Equity?0.49Low
ValuationATTRACTIVELY VALUEDvs 9 peers + S&P 500
Score83/100
P/E?19.7FAIR▾
Peers10
S&P66
P/B?1.44CHEAP▾
Peers40
S&P88
P/S?2.61CHEAP▾
Peers80
S&P56
P/FCF?11.1CHEAP▾
Peers60
S&P85
EV/EBITDA?17.2FAIR▾
Peers10
S&P37
EV/Sales?3.50FAIR▾
Peers70
S&P54
Returns & Efficiency
ROE?7.3%FAIR▾
Peers10
S&P23
ROA?0.8%WEAK▾
Peers10
S&P10
Cash Flow & Enterprise
FCF?$44.8M
Enterprise Value?$667.7M
Fundamentals ratios updated end of day