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NASDAQ · CZNCFinancialsBanking & Credit

Citizens & Northern Corporation (CZNC)

$28.34+1.43%
Close Nov 4, 2026 · split-adjusted
Oct 30, 2026$28.03▲ 44.78% in range
Oct 31, 2025Low $19.02 · High $28.15Oct 30, 2026
What changed · written from our data
As of Nov 4, 2026

Citizens & Northern closed at $28.34 on Nov 4, up 1.43%, 0.5% below its 52-week closing high. Volume of 38.5K shares was 0.59× its 20-day average (below normal).

Split-adjusted performance: +11.4% over one month, +30.4% over six months, +48.7% over one year.

In the quarter ended Jun 30, 2026, revenue was $51.37M, up 26.5% from a year earlier, with a net margin of 27.4%.

Short interest was 327.5K shares at the Oct 15 settlement, down 5.9% from the prior report (2.0% of float, 6.4 days to cover).

Market cap$508.3M17.9M shares
Revenue · quarter$51.4M+26.5% YoY
Diluted EPS$0.79+97.5% YoY
P/E · TTM20.1×P/S 2.7×
Net margin27.4%Gross 76.7%
Dividend yield4.23%$0.3 last paid
52-week range19.02 – 28.47−0.5% from high
Volume38.5K0.59× 20-day avg
Volatility · 60d18.7%Annualised
Short % of float2.0%6.4 days to cover
Net cash$409.3MCash $579.4M
Next earnings—Not scheduled
Split-adjusted performance
1W +3.1%1M +11.4%3M +12.1%6M +30.4%YTD +40.5%1Y +48.7%3Y +57.1%5Y +10.7%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 432 companies (100 = best)

6-month momentum93
Revenue growth83
Net margin88
Value (low P/E)12
Size41

Industry medians: 6-month return +7.5%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short327.5K−5.9% vs prior
Days to cover6.4Settled Oct 15
% of float2.0%
Short vol. 10d52.2%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
CZNCCitizens & Northern$28.34+1.43%+30.4%+26.5%27.4%20.1$508.3M
FMAOFarmers & Merchants Bancorp$37.36+2.69%+37.5%+6.2%22.2%12.2$514.1MCompare
PBAMPrivate Bancorp of America$87.58+1.16%————$501.5MCompare
HIVEHIVE Digital Technologies$1.83+0.83%−37.9%+73.5%−180.6%—$500.6MCompare
FWDIForward Industries$6.55+6.50%+31.8%—−639.7%—$499.7MCompare
HBCPHome Bancorp$62.12+1.21%−3.6%+1.5%21.9%10.5$489.1MCompare
WTBAWest Bancorporation$31.06+1.69%+30.3%+1.0%22.4%13.0$529.3MCompare
OPFIOppFi$6.22+6.51%−36.2%−14.0%17.2%—$530.0MCompare
PDLBPonce Financial Group$22.13+1.14%+24.8%+48.8%1307.8%—$535.3MCompare

News about Citizens & Northern

All news →
Meridian Bank (MRBK) Lags Q3 Earnings and Revenue EstimatesZacks Investment Research · 5d ago▲ PositiveCitizens & Northern (CZNC) Upgraded to Buy: What Does It Mean for the Stock?Zacks Investment Research · 5d ago▲ Positive

Quick answers

What does Citizens & Northern do?
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.
What is CZNC's market cap?
$508.27M, based on the Nov 4 close of $28.34.
What is CZNC's P/E ratio?
20.1× trailing-twelve-month earnings of $25.27M.
Does Citizens & Northern pay a dividend?
Yes. The latest regular dividend was $0.3 per share (ex-date Nov 2), an annualised yield of 4.23%.
How much of CZNC is sold short?
327.5K shares, 2.0% of float, as of Oct 15, 2026.
What sector is CZNC in?
Financials, in the Banking & Credit industry.

About Citizens & Northern

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.

HQ: Wellsboro, PA460 employeesListed Mar 16, 1994cnbankpa.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology