25.78 USD
↘ 0.23 (0.88%)AT CLOSE (11:59 AM EDT)
Citizens & Northern Corporation
CZNCNASDAQ • USD
25.82
↗ 0.04 (0.14%)
POST MARKET (AS OF 07:30 PM EDT)
Post Market
AS OF 07:30 PM EDT
25.82
↗ 0.04 (0.14%)
Market: CLOSED
Citizens & Northern Corporation (CZNC) is currently trading at $25.80. The stock presents a bullish profile across the board: both technical indicators and our fundamental models signal a "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 Aug 25, 2026.
Open?$25.95
High?$26.00
Low?$25.72
Prev. Close?$26.01
Volume?55.7K
Avg. Volume?70.2K
VWAP?$25.83
Rel. Volume?0.79x
Bid / Ask
Bid?$21.80 × 100
Ask?$31.02 × 100
Spread?$9.22
Midpoint?$26.41
Valuation & Ratios
Market Cap?466.5M
Shares Out?17.9M
Float?16.8M
Float %?93.5%
P/E Ratio?20.03
P/B Ratio?1.37
EPS?$1.30
Dividend?3.49%
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(+2/3)
Medium-Term (Wave)?– Neutral(0/3)
Short-Term (Ripple)?▼ Bearish(-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?2.21%Low
Short Interest?370.6K
Days to Cover?6.1
Free Float16.8M
Avg Daily Volume60.5K
Settlement Date2026-08-14
Financial Health
Current Ratio?19.31Strong
Quick Ratio?19.31Strong
Cash Ratio?0.00Low
Debt/Equity?0.55Moderate
ValuationATTRACTIVELY VALUEDvs 10 peers + S&P 500
Score83/100
P/E?20.0FAIR▾
Peers9
S&P65
P/B?1.37CHEAP▾
Peers82
S&P90
P/S?2.74CHEAP▾
Peers36
S&P54
P/FCF?15.5CHEAP▾
Peers36
S&P72
EV/EBITDA?17.9FAIR▾
Peers18
S&P34
EV/Sales?3.86FAIR▾
Peers36
S&P49
Returns & Efficiency
ROE?6.8%FAIR▾
Peers9
S&P22
ROA?0.7%WEAK▾
Peers9
S&P10
Cash Flow & Enterprise
FCF?$30.1M
Enterprise Value?$656.0M
Fundamentals ratios updated end of day