CZNC CITIZENS & NORTHERN CORP
$21.69 +0.77%
Financial · State Commercial Banks
CITIZENS & NORTHERN CORP (CZNC) is a financial company in the State Commercial Banks industry, with a market capitalization of $389 million. Shares last traded at $21.69, 9.9% below their 52-week high. Over the past year the stock is up 18.7%. CZNC trades at a price-to-earnings ratio of 16.59, above the State Commercial Banks median of 13.35. The shares yield 6.5% in dividends.
Market Cap
$389M
Shares Out
17.9M
EPS (TTM)
$2.45
P/E Ratio
8.85
P/S Ratio
—
P/B Ratio
1.16
Dividend / Share
$1.41
Dividend Yield
6.50%
52-Week High
$24.08
52-Week Low
$18.16
Volume
2,352
Avg Vol (3m)
1,330.365
Performance
1W
-0.46%
1M
+5.75%
3M
+0.05%
6M
-1.27%
YTD
+8.89%
1Y
+18.72%
Chart
Full chart →Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.
Technicals
RSI (14)
52.65
SMA (50)
$21.93
SMA (200)
$21.19
Price vs SMA50
-1.08%
Price vs SMA200
+2.34%
ATR (14)
$0.85
Financials
Revenue
—
Net Income
$23M
Gross Margin
—
Operating Margin
—
Net Margin
—
Return on Equity
7.0%
Return on Assets
0.7%
Current Ratio
—
Debt / Equity
0.10
Revenue Growth (YoY)
—
Recent earnings
| Period | EPS (diluted) | Reported |
|---|---|---|
| Q1 2026 | $0.02 | 2026-05-08 |
| Q3 2025 | $1.22 | 2025-11-07 |
| Q2 2025 | $0.80 | 2025-08-08 |
| Q1 2026 | $0.41 | 2026-05-08 |
| FY 2024 | $1.69 | 2025-03-06 |
| Q3 2025 | $1.16 | 2025-11-07 |
State Commercial Banks peers
CZNC vs 14 industry peers (State Commercial Banks), by market cap.
P/E vs peers
16.59 / 13.35 med
+24% premium
1–14 of 14
| BNY | BNY Mellon | $98.6B | 17.76 | 4.91 | 27.6% | -1.68% |
| FITB | Fifth Third Bancorp | $47.8B | 18.95 | — | — | +0.23% |
| STT | State Street Corporation | $46.6B | 15.82 | 3.34 | 21.1% | -1.66% |
| MTB | M&T Bank | $33.0B | 11.57 | — | — | -0.25% |
| NTRS | Northern Trust | $31.9B | 18.34 | 6.35 | 34.6% | -1.62% |
| CFG | Citizens Financial Group | $28.4B | 15.49 | — | — | +0.40% |
| FCNCA | First Citizens Bancshares Inc /De/ | $24.7B | 11.21 | 2.59 | 23.1% | -0.80% |
| EWBC | East West Bancorp Inc | $17.4B | 13.11 | — | — | -0.38% |
| ALLY | Ally Financial Inc. | $13.9B | 16.37 | 11.21 | 68.5% | -0.03% |
| WTFC | Wintrust Financial Corp | $10.4B | 12.61 | — | — | +0.00% |
| BPOP | Popular, Inc. | $10.3B | 12.33 | — | — | +0.31% |
| SSB | Southstate Bank Corp | $9.4B | 11.80 | — | — | +0.66% |
| COLB | Columbia Banking System, Inc. | $8.8B | 16.07 | — | — | +1.60% |
| WAL | Western Alliance Bancorporation | $8.7B | 8.99 | — | — | +1.74% |
Source: SEC EDGAR (fundamentals/EPS/dividends) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.