8-K Announcements
6Material company update
May 11, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 28, 2026·SEC
Citizens & Northern Corporation(CZNC)Earnings, Financials & Key Ratios
CZNC•NASDAQ•Banking & Credit
$23.24
15.9× P/E·Price updated Jul 7, 2026
AboutCitizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents. In addition, the company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania, as well as a lending office in Elmira, New York. The company was founded in 1864 and is based in Wellsboro, Pennsylvania.Show more
- Net Interest Income$92M+16.1%
- Total Revenue$154M-0.8%
- Net Income$23M-9.8%
- Return on Equity7.59%-21.4%
- Net Interest Margin2.93%-3.2%
- Efficiency Ratio46.77%+0.4%
- ROA0.82%-19.5%
- Equity / Assets10.91%+3.5%
- Book Value per Share21.42+18.8%
CZNC Price & Volume
Citizens & Northern Corporation (CZNC) stock price & volume — 10-year historical chart
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Stagnant Margins and Rising Provisions Cloud Outlook
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Liquidity and credit provisioning
Key Thesis Takeaways
- Citizens & Northern Corporation faces significant headwinds as its 42.4% YoY net interest income growth is effectively neutralized by a sharp $13.6M provision for loan losses in 2026Q1.
- The bank's reliance on a $2.9 billion investment securities portfolio to manage liquidity, coupled with an equity-to-assets ratio stuck at 0.11, suggests limited strategic flexibility in a volatile rate environment.
- Investors should monitor the sustainability of the dividend payout, which remained at $4.6 million despite net income plummeting to $273,000 in the most recent quarter.
Verdict Logic
the bank's inability to translate revenue growth into bottom-line earnings, evidenced by a 96.2% decline in EPS growth in 2026Q1, suggests fundamental operational challenges that outweigh the 4.3% dividend yield.
CZNC Growth Metrics
Citizens & Northern Corporation (CZNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.56%
5 Years8.95%
3 Years10.12%
TTM-
Profit CAGR
10 Years3.59%
5 Years4.04%
3 Years-4.17%
TTM-35.4%
EPS CAGR
10 Years0.79%
5 Years2.51%
3 Years-5.13%
TTM-37.97%
Return on Capital
10 Years8.42%
5 Years7.08%
3 Years5.3%
Last Year1.59%
CZNC Recent Earnings
Citizens & Northern Corporation (CZNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (17%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 8, 2026Metric
Actual
Est
EPS
$0.02-96.6%
$0.58
Rev
$37M+2.9%
$36M
Q2 2026
May 6, 2026Metric
Actual
Est
EPS
$0.02-96.6%
$0.58
Rev
$37M+2.9%
$36M
Q2 2026
Apr 29, 2026Metric
Actual
Est
EPS
$0.02-96.6%
$0.58
Rev
$37M+2.9%
$36M
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.53-8.6%
$0.58
Rev
$36M+1.2%
$36M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 8, 2026 | $0.02vs $0.58-96.6% | $37Mvs $36M+2.9% |
| Q2 2026 | May 6, 2026 | $0.02vs $0.58-96.6% | $37Mvs $36M+2.9% |
| Q2 2026 | Apr 29, 2026 | $0.02vs $0.58-96.6% | $37Mvs $36M+2.9% |
| Q1 2026 | Feb 5, 2026 | $0.53vs $0.58-8.6% | $36Mvs $36M+1.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Citizens & Northern Corporation (CZNC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $23.24 | $416.38M | 15.92 | -0.82% | 15.19% | 7.59% | 4.4% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — |
Compare CZNC vs Peers
Citizens & Northern Corporation (CZNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CZNC SEC Filings & Documents
Citizens & Northern Corporation (CZNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CZNC Frequently Asked Questions
Citizens & Northern Corporation (CZNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Citizens & Northern Corporation growing?
Citizens & Northern Corporation (CZNC) saw revenue decline by 0.8% over the past year.
Is CZNC profitable?
Yes, Citizens & Northern Corporation (CZNC) is profitable, generating $17.4M in net income for fiscal year 2025 (15.2% net margin).
Dividend & Returns
Does CZNC pay dividends?
Yes, Citizens & Northern Corporation (CZNC) pays a dividend with a yield of 4.40%. This makes it attractive for income-focused investors.
What is CZNC's return on equity?
Citizens & Northern Corporation (CZNC) has a return on equity (ROE) of 7.6%. This is below average, suggesting room for improvement.
Industry Metrics
What is Citizens & Northern Corporation's net interest margin?
Citizens & Northern Corporation (CZNC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Citizens & Northern Corporation's efficiency ratio?
Citizens & Northern Corporation (CZNC) has an efficiency ratio of 46.8%. This is excellent, indicating strong cost control.