28.12 USD
↗ 0.10 (0.36%)AT CLOSE (03:59 PM EST)
Citizens & Northern Corporation
CZNCNASDAQ • USD
28.14
↗ 0.02 (0.07%)
POST MARKET (AS OF 04:14 PM EST)
Post Market
AS OF 04:14 PM EST
28.14
↗ 0.02 (0.07%)
Market: CLOSED
Citizens & Northern Corporation (CZNC) is currently trading at $28.12. 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 Nov 13, 2026.
Open?$28.21
High?$28.43
Low?$27.94
Prev. Close?$28.02
Volume?57.0K
Avg. Volume?65.3K
VWAP?$28.21
Rel. Volume?0.87x
Bid / Ask
Bid?$21.92 × 100
Ask?$28.80 × 800
Spread?$6.88
Midpoint?$25.36
Valuation & Ratios
Market Cap?504.8M
Shares Out?18.0M
Float?16.8M
Float %?93.6%
P/E Ratio?19.98
P/B Ratio?1.46
EPS?$1.41
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)?▲ Bullish(+1/3)
Short-Term (Ripple)?▼ Bearish(-1/3)
MA Alignment?Golden Alignment
Full Technical Analysis →Fundamental OutlookBuy
Strong SellNeutralStrong Buy
F-Score?60
Z-Score?50
Momentum?75
Short Sent.?88
Piotroski F-Score?5/9Mixed
Confidence?67%Moderate
Short InterestModerate
Short % of Float?1.65%Low
Short Interest?276.9K
Days to Cover?3.8
Free Float16.8M
Avg Daily Volume72.9K
Settlement Date2026-10-30
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?20.0FAIR▾
Peers10
S&P65
P/B?1.46CHEAP▾
Peers40
S&P88
P/S?2.64CHEAP▾
Peers80
S&P55
P/FCF?11.3CHEAP▾
Peers60
S&P85
EV/EBITDA?17.3FAIR▾
Peers10
S&P37
EV/Sales?3.53FAIR▾
Peers70
S&P53
Returns & Efficiency
ROE?7.3%FAIR▾
Peers10
S&P23
ROA?0.8%WEAK▾
Peers10
S&P10
Cash Flow & Enterprise
FCF?$44.8M
Enterprise Value?$674.8M
Fundamentals ratios updated end of day