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    Citizens & Northern (CZNC)

    Market Price (9/21/2026): $25.795 | Market Cap: $458.4 MilSector: Financials | Industry: Regional Banks

    Citizens & Northern (CZNC)

    Market Price (9/21/2026): $25.795
    Market Cap: $458.4 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.4%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.2%, FCF Yield is 9.8%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 28%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%

    Low stock price volatility
    Vol 12M is 23%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.

    Trading close to highs
    Dist 52W High is -1.2%, Dist 3Y High is -1.2%

    Weak multi-year price returns
    3Y Excs Rtn is -3.7%

    Key risks
    CZNC key risks include [1] deteriorating asset quality and rising credit losses, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.4%, Dividend Yield is 3.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.2%, FCF Yield is 9.8%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 28%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
    4 Low stock price volatility
    Vol 12M is 23%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.
    6 Trading close to highs
    Dist 52W High is -1.2%, Dist 3Y High is -1.2%
    7 Weak multi-year price returns
    3Y Excs Rtn is -3.7%
    8 Key risks
    CZNC key risks include [1] deteriorating asset quality and rising credit losses, Show more.

    CZNC in ETFs

    Weight = CZNC's share of each fund

    VTI0.00%
    IWM0.02%
    VTWO0.01%
    DFAS0.01%
    IWN0.00%
    DFAC0.00%
    IWV0.00%

    Valuation & Metrics

    FYE: 12/31CZNC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$140.3 Mil—
    FY 2026 Sales$146.9 Mil—
    FY 2027 Sales$154.2 Mil—
    FY 2026 Sales Growth4.7%—
    FY 2027 Sales Growth5.0%12.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$25.3 Mil—
    FY 2026 Net Income (Non-GAAP)$34.6 Mil—
    FY 2027 Net Income (Non-GAAP)$43.9 Mil—
    FY 2027 Net Income Growth26.7%18.1%
    FY 2026 EPS (Non-GAAP)$2.17—
    FY 2027 EPS (Non-GAAP)$2.75—
    FY 2027 EPS Growth26.7%—
    VALUATION
    FY 2026 P/S3.11.6
    FY 2027 P/S3.0—
    FY 2026 P/E13.27.4
    FY 2027 P/E10.5—

    [1] CZNC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CZNCS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.1
    Rev Chg Q34.6%9.1%
    Rev Chg LTM27.6%8.3%
    Rev Chg 3Y Avg10.3%5.8%
    PROFITABILITYFAIR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM32.8%21.8%
    Net Inc Mgn18.1%13.1%
    VALUATIONMODERATE
    P/S3.33.1
    P/CFO10.014.7
    P/FCF10.219.1
    P/E18.122.4

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employees38612312024Link
    Number of Banking Offices281232025Link
    Number of Loan Production Offices11232025Link
    Trust Assets Under Management134785300012312024Link
    Net Interest Margin3.62%9302025Link
    Total Nonperforming Assets as a Percentage of Total Assets1.02%9302025Link
    Estimated Uninsured Deposits as a Percentage of Total Deposits31.9%9302025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Citizens & Northern (CZNC) stock has gained about 25% since 5/31/2026 because of the following key factors:

    1. Strong Q2 2026 Earnings Beat.

    Citizens & Northern (CZNC) reported robust financial results for its fiscal Q2 2026, which ended on June 30, 2026. The company announced earnings per share (EPS) of $0.79, significantly surpassing analysts' consensus estimates of $0.63 by $0.16. Additionally, quarterly revenue reached $39.65 million, exceeding the consensus estimate of $38.60 million. This substantial outperformance in both EPS and revenue likely fueled investor confidence and contributed to the stock's upward trend.

    2. Significant Increase in Net Interest Income and Reversal of Credit Loss Provision.

    During fiscal Q2 2026, Citizens & Northern demonstrated strong operational performance with its net interest income rising to $29.618 million, a notable increase from $21.142 million in the same quarter of the prior year, fiscal Q2 2025. The company also reported a credit for credit losses of $(1,846) thousand in fiscal Q2 2026, reversing a $2,354 thousand provision recorded in fiscal Q2 2025. These improvements indicate enhanced profitability from core lending activities and better asset quality, positively impacting the company's financial outlook.

    Show more
    Updated on 9/1/2026

    Citizens & Northern (CZNC) stock has gained about 25% since 5/31/2026 because of the following key factors:

    1. Strong Q2 2026 Earnings Beat.

    Citizens & Northern (CZNC) reported robust financial results for its fiscal Q2 2026, which ended on June 30, 2026. The company announced earnings per share (EPS) of $0.79, significantly surpassing analysts' consensus estimates of $0.63 by $0.16. Additionally, quarterly revenue reached $39.65 million, exceeding the consensus estimate of $38.60 million. This substantial outperformance in both EPS and revenue likely fueled investor confidence and contributed to the stock's upward trend.

    2. Significant Increase in Net Interest Income and Reversal of Credit Loss Provision.

    During fiscal Q2 2026, Citizens & Northern demonstrated strong operational performance with its net interest income rising to $29.618 million, a notable increase from $21.142 million in the same quarter of the prior year, fiscal Q2 2025. The company also reported a credit for credit losses of $(1,846) thousand in fiscal Q2 2026, reversing a $2,354 thousand provision recorded in fiscal Q2 2025. These improvements indicate enhanced profitability from core lending activities and better asset quality, positively impacting the company's financial outlook.

    3. Favorable U.S. Banking Sector Performance.

    The broader U.S. banking sector experienced a healthy period during fiscal Q2 2026. The Federal Deposit Insurance Corporation (FDIC) indicated a robust sector, with an aggregate net income of $90.1 billion, representing an increase over the previous year. Banks generally saw solid earnings and revenue growth, particularly in wealth management and capital markets, and a decline in aggregate credit loss provisions as the credit picture improved. This positive macroeconomic backdrop for the banking industry likely provided a tailwind for Citizens & Northern's stock performance.

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    Stock Movement Drivers

    Fundamental Drivers

    The 23.9% change in CZNC stock from 5/31/2026 to 9/20/2026 was primarily driven by a 35.2% change in the company's Net Income Margin (%).
    (LTM values as of)53120269202026Change
    Stock Price ($)20.8325.8123.9%
    Change Contribution By: 
    Total Revenues ($ Mil)1301407.7%
    Net Income Margin (%)13.4%18.1%35.2%
    P/E Multiple21.218.1-14.7%
    Shares Outstanding (Mil)1818-0.2%
    Cumulative Contribution23.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/20/2026
    ReturnCorrelation
    CZNC23.9% 
    Market (SPY)0.9%-12.6%
    Sector (XLF)8.3%44.2%

    Fundamental Drivers

    The 17.7% change in CZNC stock from 2/28/2026 to 9/20/2026 was primarily driven by a 45.4% change in the company's P/E Multiple.
    (LTM values as of)22820269202026Change
    Stock Price ($)21.9425.8117.7%
    Change Contribution By: 
    Total Revenues ($ Mil)11214025.1%
    Net Income Margin (%)24.2%18.1%-25.3%
    P/E Multiple12.418.145.4%
    Shares Outstanding (Mil)1518-13.4%
    Cumulative Contribution17.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/20/2026
    ReturnCorrelation
    CZNC17.7% 
    Market (SPY)11.6%5.1%
    Sector (XLF)9.2%42.7%

    Fundamental Drivers

    The 34.4% change in CZNC stock from 8/31/2025 to 9/20/2026 was primarily driven by a 65.3% change in the company's P/E Multiple.
    (LTM values as of)83120259202026Change
    Stock Price ($)19.2025.8134.4%
    Change Contribution By: 
    Total Revenues ($ Mil)11014027.6%
    Net Income Margin (%)24.5%18.1%-26.3%
    P/E Multiple10.918.165.3%
    Shares Outstanding (Mil)1518-13.6%
    Cumulative Contribution34.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/20/2026
    ReturnCorrelation
    CZNC34.4% 
    Market (SPY)19.4%9.1%
    Sector (XLF)4.7%42.4%

    Fundamental Drivers

    The 68.7% change in CZNC stock from 8/31/2023 to 9/20/2026 was primarily driven by a 90.4% change in the company's P/E Multiple.
    (LTM values as of)83120239202026Change
    Stock Price ($)15.3025.8168.7%
    Change Contribution By: 
    Total Revenues ($ Mil)10714031.6%
    Net Income Margin (%)23.0%18.1%-21.5%
    P/E Multiple9.518.190.4%
    Shares Outstanding (Mil)1518-14.3%
    Cumulative Contribution68.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/20/2026
    ReturnCorrelation
    CZNC68.7% 
    Market (SPY)75.6%29.9%
    Sector (XLF)69.8%45.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CZNC Return38%-8%4%-12%15%33%76%
    Peers Return32%-3%-7%18%6%27%88%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    CZNC Win Rate67%33%58%42%58%56% 
    Peers Win Rate70%42%45%53%53%67% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    CZNC Max Drawdown-11%-13%-26%-25%-17%-14% 
    Peers Max Drawdown-19%-22%-38%-19%-22%-13% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: WSBC, PRK, FMBH, TMP, MPB.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/18/2026 (YTD)

    How Low Can It Go

    EventCZNCS&P 500
    2025 US Tariff Shock
      % Loss-14.8%-18.8%
      % Gain to Breakeven17.4%23.1%
      Time to Breakeven243 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-17.6%-9.5%
      % Gain to Breakeven21.4%10.5%
      Time to Breakeven22 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-24.0%-6.7%
      % Gain to Breakeven31.6%7.1%
      Time to Breakeven225 days31 days
    2020 COVID-19 Crash
      % Loss-36.6%-33.7%
      % Gain to Breakeven57.8%50.9%
      Time to Breakeven385 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-12.6%-19.2%
      % Gain to Breakeven14.4%23.8%
      Time to Breakeven56 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-13.6%-17.9%
      % Gain to Breakeven15.8%21.8%
      Time to Breakeven11 days123 days

    Compare to WSBC, PRK, FMBH, TMP, MPB

    In The Past

    Citizens & Northern's stock fell -14.8% during the 2025 US Tariff Shock. Such a loss loss requires a 17.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventCZNCS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-24.0%-6.7%
      % Gain to Breakeven31.6%7.1%
      Time to Breakeven225 days31 days
    2020 COVID-19 Crash
      % Loss-36.6%-33.7%
      % Gain to Breakeven57.8%50.9%
      Time to Breakeven385 days140 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-21.2%-15.4%
      % Gain to Breakeven27.0%18.2%
      Time to Breakeven76 days125 days

    Compare to WSBC, PRK, FMBH, TMP, MPB

    In The Past

    Citizens & Northern's stock fell -14.8% during the 2025 US Tariff Shock. Such a loss loss requires a 17.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Citizens & Northern (CZNC)

    ```html

    Citizens & Northern Corporation (CZNC) operates as a bank holding company, primarily through its subsidiary, Citizens & Northern Bank, serving both individual and corporate customers. The company offers a foundational range of banking services, including various lending products such as commercial, mortgage, and consumer loans, as well as specialized instruments like commercial letters-of-credit. On the deposit side, it provides a comprehensive suite of options including checking, savings, money market, interest checking accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs).

    Beyond core banking, CZNC diversifies its offerings to include wealth management services, which encompass the administration of trusts and estates, retirement planning, and investment management. The company further extends its financial services by providing personal and commercial insurance products, mutual funds, annuities, educational savings accounts, and other investment products. Additionally, it engages in the reinsurance of credit, mortgage, life, and accident and health insurance products.

    Established in 1864 and headquartered in Wellsboro, Pennsylvania, Citizens & Northern serves its customer base through a network of 31 branch offices and a lending office. Its geographic presence is concentrated mainly across various regions of Pennsylvania, including the Northern tier, Northcentral, Southeastern, and Southcentral areas, with additional branches in the Southern tier of New York State. This regional focus allows the company to cater to the specific financial needs of communities within these concentrated markets.

    ```

    AI Analysis | Feedback

    Here are a few analogies for Citizens & Northern:

    • A miniature Wells Fargo.
    • A regional PNC Bank.

    AI Analysis | Feedback

    • Lending Products: The company provides various types of loans, including commercial, consumer, and mortgage loans, as well as specialized commercial letters-of-credit.
    • Deposit Products: A wide array of deposit accounts are offered, such as checking, savings, money market, interest checking, individual retirement accounts, and certificates of deposit.
    • Mortgage Services: Citizens & Northern offers comprehensive mortgage services to individual and corporate customers.
    • Wealth Management Services: This includes administration of trusts and estates, retirement and other employee benefit plans, and investment management services.
    • Insurance Products: The bank provides a range of personal and commercial insurance products.
    • Investment Products: Through registered agents, the company offers investment products such as mutual funds, annuities, and educational savings accounts.
    • Reinsurance Services: Citizens & Northern reinsures various insurance products, including credit, mortgage, life, accident, and health insurance.

    AI Analysis | Feedback

    Citizens & Northern (CZNC) primarily sells its banking and financial services to a broad base of individual and corporate customers rather than a few major named entities. Based on the company description, its customer base can be categorized as follows:

    1. Individual Customers: This category includes consumers and households utilizing a range of personal banking services such as checking accounts, savings accounts, money market accounts, interest checking accounts, individual retirement accounts, certificates of deposit, mortgage loans, and consumer loans. They also access personal insurance products and basic investment products.
    2. Corporate and Business Customers: This category encompasses various businesses and organizations that leverage commercial banking services. These services include commercial loans, commercial letters-of-credit, business deposit accounts, commercial insurance products, and employee benefit plan services.
    3. Wealth Management Clients: These customers, which can include affluent individuals, families, and potentially institutions, utilize the company's specialized wealth management services. This involves the administration of trusts and estates, management of retirement plans, other employee benefit plans, and broader investment management services.

    AI Analysis | Feedback

    Major Suppliers Null

    AI Analysis | Feedback

    J. Bradley Scovill President and Chief Executive Officer

    J. Bradley Scovill has served as the President and Chief Executive Officer of Citizens & Northern Corporation since 2015. He intends to retire in 2027.

    Mark A. Hughes Treasurer, Executive Vice President, Principal Accounting Officer and Chief Financial Officer

    Mark A. Hughes serves as the Treasurer, Executive Vice President, Principal Accounting Officer, and Chief Financial Officer of Citizens & Northern Bank.

    Harold F. Hoose III Executive Vice President and Chief Revenue Officer

    Harold F. Hoose III holds the position of Executive Vice President and Chief Revenue Officer of Citizens & Northern Bank.

    Blair T. Rush Executive Vice President and Southeast Region President

    Blair T. Rush is the Executive Vice President and Southeast Region President of Citizens & Northern Bank.

    John M. Reber Executive Vice President, Chief Risk Management Officer

    John M. Reber serves as the Executive Vice President, Chief Risk Management Officer of Citizens & Northern Bank.

    AI Analysis | Feedback

    Key Risks to Citizens & Northern Corporation (CZNC)

    For Citizens & Northern Corporation (CZNC), a regional bank operating in Pennsylvania and New York, key risks to the business include deteriorating asset quality and associated credit risk, persistent cybersecurity and data privacy threats, and ongoing exposure to interest rate volatility affecting its net interest margin.

    1. Credit Risk and Asset Quality Deterioration: Citizens & Northern has shown a concerning trend of increasing nonperforming assets, which are loans or assets not generating income due to default or distress. Nonperforming assets rose to 1.02% of total assets as of September 30, 2025, up from 0.92% in the prior year. This trend has necessitated an increase in the bank's Allowance for Credit Losses (ACL) to 1.21% of gross loans receivable at the end of Q3 2025, compared to 1.06% at year-end 2024. This indicates a heightened risk of loan defaults and potential financial losses for the bank.
    2. Cybersecurity and Data Privacy Threats: Financial institutions, including community banks like Citizens & Northern, consistently identify cybersecurity as a top concern. The average cost of a data breach increased to $6.08 million in 2024, and a successful cyberattack can lead to significant reputational damage, legal liabilities, and financial losses. Given CZNC's extensive banking, mortgage, and wealth management services, which involve handling sensitive customer data, it remains a prime target for sophisticated cyber threats and fraud attempts.
    3. Interest Rate Volatility and Net Interest Margin (NIM) Compression: Despite recent gains in its net interest margin (NIM), the core profitability measure for banks, Citizens & Northern remains vulnerable to fluctuations in interest rates. The broader economic environment continues to present challenges for banks due to factors such as fluctuating interest rates, which can impact loan demand, deposit costs, and the overall profitability of lending activities. This volatility can lead to pressure on the bank's NIM, affecting its earnings capacity.

    AI Analysis | Feedback

    The increasing prevalence and sophistication of digital-only banks, fintech companies, and non-bank lenders that offer banking and financial services with significantly lower overheads, greater convenience, and often superior digital user experiences. These competitors are directly challenging traditional, branch-based banks like Citizens & Northern by attracting customers who prefer digital interactions and value speed, ease of use, and competitive pricing over physical branch access, thereby eroding C&N's deposit base, loan origination volume, and wealth management clients.

    AI Analysis | Feedback

    Citizens & Northern (symbol: CZNC) operates as a bank holding company offering a range of banking, mortgage, wealth management, and insurance services primarily in Pennsylvania and New York. Identifying precise addressable markets for all products across its specific regional footprint can be challenging due to data availability at such granular levels. However, based on available information, market sizes for their main products and services in the broader Pennsylvania and New York State regions can be identified.

    Addressable Markets for Citizens & Northern's Main Products and Services:

    Banking Services (Pennsylvania)

    • Total Deposits: In Pennsylvania, total bank deposits amounted to $561 billion as of the second quarter of 2024.
    • New Home Loans: New home loans booked in Pennsylvania totaled $26.5 billion in 2024.
    • Small Business Loans: The market for small business loans in Pennsylvania was $21.8 billion in 2024.
    • Small Farm Loans: Small farm loans in Pennsylvania reached $2 billion in 2024.

    Banking Services (New York)

    • Total Deposits: In New York State, total deposits held by banks amounted to $2.4 trillion in 2024.
    • New Home Loans: New home loans booked in New York State totaled $38.7 billion in 2024.
    • Small Business Loans: The market for small business loans in New York State was $40.1 billion in 2024.

    Wealth Management Services (Pennsylvania)

    • Portfolio Management & Investment Advice: The market size for the Portfolio Management & Investment Advice industry in Pennsylvania is projected to be $24.3 billion in 2026.

    Wealth Management Services (New York)

    • A comprehensive, current statewide market size for overall wealth management (e.g., total assets under management for the entire state) was not readily available. However, for context, the New York City pension funds alone managed over $253 billion in assets as of June 30, 2023. The North American wealth management platform market, which includes New York, had a market size of approximately $4.82 billion in 2023.

    Insurance Products (Pennsylvania)

    • Insurance Brokers & Agencies: The market size for the Insurance Brokers & Agencies industry in Pennsylvania is projected to be $12.5 billion in 2026.
    • Life Insurance: In 2021, there were 6.1 million individual life insurance policies in force in Pennsylvania, with $11.8 billion paid out in life insurance and annuity benefits.
    • Health Insurance: As of June 30, 2024, nearly 13 million people in Pennsylvania had medical coverage.

    Insurance Products (New York)

    • Total Direct Written Premiums: Total direct written premiums across all insurance types in New York reached $220 billion in 2022.
    • Life and Annuity Insurance Premiums: Life and annuity insurance premiums in New York account for $105 billion annually.
    • Property and Casualty Premiums: Property and casualty premiums in New York total $78 billion annually.
    • Homeowners Insurance: New York's homeowners insurance market was valued at $3.7 billion.

    AI Analysis | Feedback

    Citizens & Northern Corporation (CZNC) is expected to experience future revenue growth driven by several key factors over the next 2-3 years:
    • Benefits from the Susquehanna Community Financial Merger: The recently completed merger with Susquehanna Community Financial, Inc. (October 2025) is a significant driver. This strategic acquisition is anticipated to expand the company's market presence, increase its total assets and loan portfolio, and contribute approximately 17% accretion to fiscal year 2026 earnings per share.
    • Growth in Loan Portfolio: Citizens & Northern has demonstrated consistent growth in its loan portfolio, with commercial loans constituting a significant portion of this growth. This expansion in lending activities directly contributes to an increase in net interest income.
    • Increase in Noninterest Income: The company is focused on enhancing noninterest income through various channels. This includes growth in trust revenue, brokerage and insurance revenue, and loan servicing fees, diversifying its revenue streams beyond traditional lending.
    • Improved Net Interest Margin (NIM): An improving net interest margin, which represents the difference between interest income generated and interest paid out, indicates better profitability from the company's core banking operations. The NIM has shown an upward trend, reflecting effective management of asset and liability pricing.

    AI Analysis | Feedback

    Share Repurchases

    • During the year ended December 31, 2025, Citizens & Northern repurchased 501 shares of its common stock for a total cost of $9,534.
    • As of December 31, 2025, the company had 723,465 shares available for repurchase under an existing program that authorizes the repurchase of up to 750,000 shares of common stock.

    Share Issuance

    • On October 1, 2025, Citizens & Northern issued approximately 2.3 million shares of common stock to former stockholders of Susquehanna Community Financial, Inc., as part of a merger agreement.
    • This issuance contributed to an increase in C&N's stockholders' equity by $44.4 million, net of associated equity issuance costs.

    Outbound Investments

    • Citizens & Northern completed its merger with Susquehanna Community Financial, Inc. on October 1, 2025, in an all-stock deal valued at approximately $44.3 million.
    • The acquisition added approximately $596.2 million in total assets, $393.6 million in total loans, and $501.5 million in deposits to Citizens & Northern.
    • The merger is anticipated to be about 17% accretive to Citizens & Northern's earnings per share for fiscal year 2026.

    Peer Outperformance in Regional Banks

    CZNC has trailed 72% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that CZNC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    72%
    of 288 industry peers · 35.3% return
    3Y
    30%
    of 277 industry peers · 72.2% return
    5Y
    28%
    of 264 industry peers · 37.3% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CZNC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
    Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
    Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
    Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
    Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
    Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
    Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
    Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
    Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
    Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
    Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
    Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
    Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
    Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
    Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
    Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
    Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can Citizens & Northern Stock Really Go?10/17/2025
    Title
    0ARTICLES

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    Top Losers

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    ACVAACV Auctions1.840.3%30.7%

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    Peer Comparisons

    Peers to compare with:

    Financials

    CZNCWSBCPRKFMBHTMPMPBMedian
    NameCitizens.Wesbanco Park Nat.First Mi.Tompkins.Mid Penn. 
    Mkt Price25.8139.37183.3749.9899.3436.9444.67
    Mkt Cap0.53.83.31.31.40.91.4
    Rev LTM1401,052624375261261318
    Op Inc LTM-------
    FCF LTM45394184119487497
    FCF 3Y Avg33256176108726290
    CFO LTM463961991275780103
    CFO 3Y Avg35266186114796996

    Growth & Margins

    CZNCWSBCPRKFMBHTMPMPBMedian
    NameCitizens.Wesbanco Park Nat.First Mi.Tompkins.Mid Penn. 
    Rev Chg LTM27.6%38.0%14.9%13.5%-17.0%35.5%21.3%
    Rev Chg 3Y Avg10.3%21.3%8.5%14.4%0.2%16.1%12.4%
    Rev Chg Q34.6%5.5%26.4%23.1%5.4%39.9%24.7%
    QoQ Delta Rev Chg LTM7.7%1.4%6.3%5.6%1.7%9.0%6.0%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM32.8%37.7%31.9%33.8%21.9%30.7%32.4%
    CFO/Rev 3Y Avg29.6%32.7%34.1%33.6%30.4%33.5%33.1%
    FCF/Rev LTM31.9%37.5%29.5%31.8%18.3%28.3%30.7%
    FCF/Rev 3Y Avg27.8%31.3%32.3%31.8%27.7%30.5%30.9%

    Valuation

    CZNCWSBCPRKFMBHTMPMPBMedian
    NameCitizens.Wesbanco Park Nat.First Mi.Tompkins.Mid Penn. 
    Mkt Cap0.53.83.31.31.40.91.4
    P/S3.33.65.33.55.43.63.6
    P/Op Inc-------
    P/EBIT-------
    P/E18.110.617.413.28.113.713.5
    P/CFO10.09.516.710.424.811.711.1
    Total Yield9.4%13.1%8.6%9.4%15.1%9.6%9.5%
    Dividend Yield3.8%3.7%2.9%1.9%2.7%2.3%2.8%
    FCF Yield 3Y Avg10.1%9.3%6.5%11.2%8.4%11.1%9.7%
    D/E0.40.50.00.20.40.20.3
    Net D/E-0.40.2-0.5-0.2-0.4-0.5-0.4

    Returns

    CZNCWSBCPRKFMBHTMPMPBMedian
    NameCitizens.Wesbanco Park Nat.First Mi.Tompkins.Mid Penn. 
    1M Rtn0.0%-2.8%-9.3%-0.6%1.5%-0.8%-0.7%
    3M Rtn20.1%9.5%4.4%9.5%12.0%10.8%10.2%
    6M Rtn21.9%21.3%18.9%28.1%36.4%20.2%21.6%
    12M Rtn35.3%27.3%11.9%30.6%48.4%21.2%28.9%
    3Y Rtn72.2%91.2%111.2%104.7%133.4%99.2%101.9%
    1M Excs Rtn1.6%-2.7%-7.8%0.5%3.1%0.5%0.5%
    3M Excs Rtn18.1%7.5%2.4%7.5%10.0%8.8%8.2%
    6M Excs Rtn5.9%5.2%3.4%11.7%19.9%3.9%5.5%
    12M Excs Rtn19.7%16.0%-1.4%14.5%34.2%7.8%15.3%
    3Y Excs Rtn-3.7%12.8%31.6%29.0%55.6%25.4%27.2%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/7/20265/8/20263/6/202611/7/20258/8/20255/9/20253/6/202511/6/20248/7/20245/7/20243/11/202411/6/2023
    Key Financials Quarterly            
    Total Revenue393636292927282727252526
    Net Income1404766866548
    EPS0.790.020.250.420.400.410.530.410.400.350.280.50
    Key Financials TTM            
    Total Revenue TTM140130121112110108107104103102103106
    Net Income TTM251723272727262223232428
    Growth Rates Quarterly            
    Total Revenue Growth34.6%35.6%31.3%8.4%7.7%5.4%10.8%4.4%0.8%-2.7%-10.6%-1.9%
    Net Income Growth129.8%-95.7%-45.4%2.9%0.1%18.6%91.8%-16.2%1.2%-15.1%-45.2%70.4%
    Margins Quarterly            
    Net Income Margin36.2%0.8%12.3%22.6%21.2%23.7%29.5%23.8%22.8%21.0%17.1%29.6%
    Cash & Debt            
    Total Cash361349337333343523338593502452473482
    Total Debt170193188173184194205224240235209186
    Net Debt / (Cash)-192-156-150-160-160-329-132-368-261-216-263-296
    Cash Flows Quarterly            
    FCF from Operations1591111921279688
    Cash Flows TTM            
    FCF from Operations TTM463932332929332931303434
    Returns to Shareholders Quarterly            
    Dividends555444444444
    Share Repurchases000-0-00-000000
    Return on Invested Capital (ROIC) Quarterly            
    ROIC-25.3%173.9%---------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM-403.3%228.1%---------

    Segment Financials

    Revenue by Segment
    $ Mil20242023202220212020
    Community banking operations10710310610291
    Total10710310610291


    Net Income by Segment
    $ Mil2025202420232022
    Community banking operations23262427
    Total23262427


    Assets by Segment
    $ Mil20252024
    Community banking operations3,1322,611
    Total3,1322,611


    Price Behavior

    Price Behavior
    Market Price$25.81 
    Market Cap ($ Bil)0.5 
    First Trading Date05/30/1996 
    Distance from 52W High-1.2% 
       50 Days200 Days
    DMA Price$25.05$22.39
    DMA Trendupup
    Distance from DMA3.0%15.3%
     3M1YR
    Volatility21.7%22.6%
    Downside Capture-54.58-1.98
    Upside Capture48.4333.78
    Correlation (SPY)-3.7%8.3%
    CZNC Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.100.22-0.280.080.160.61
    Up Beta0.83-0.01-0.46-0.060.240.67
    Down Beta-0.76-0.23-0.51-0.150.050.62
    Up Capture-10%62%32%29%24%30%
    Bmk +ve Days10213268138427
    Stock +ve Days14253768130377
    Down Capture-44%18%-73%7%1%78%
    Bmk -ve Days11213259113324
    Stock -ve Days7172757116364

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CZNC
    CZNC35.8%22.7%1.27-
    Sector ETF (XLF)4.5%14.6%0.0841.3%
    Equity (SPY)16.9%12.9%0.948.5%
    Gold (GLD)19.1%29.3%0.60-1.1%
    Commodities (DBC)46.3%20.6%1.73-26.2%
    Real Estate (VNQ)4.9%13.6%0.1040.8%
    Bitcoin (BTCUSD)-30.6%44.3%-0.703.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CZNC
    CZNC6.9%29.3%0.25-
    Sector ETF (XLF)10.1%18.4%0.4143.3%
    Equity (SPY)12.9%17.2%0.5731.6%
    Gold (GLD)19.1%18.8%0.83-0.7%
    Commodities (DBC)11.2%19.5%0.450.4%
    Real Estate (VNQ)1.1%18.8%-0.0537.0%
    Bitcoin (BTCUSD)12.5%52.5%0.4214.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CZNC
    CZNC6.9%34.8%0.28-
    Sector ETF (XLF)12.9%22.1%0.5359.1%
    Equity (SPY)15.1%18.0%0.7246.5%
    Gold (GLD)12.1%16.4%0.61-1.8%
    Commodities (DBC)8.3%18.1%0.3712.8%
    Real Estate (VNQ)4.4%20.7%0.1846.3%
    Bitcoin (BTCUSD)62.6%66.2%1.0215.4%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.4 Mil
    Short Interest: % Change Since 81520261.1%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest4.9 days
    Basic Shares Quantity17.8 Mil
    Short % of Basic Shares2.1%

    Returns Analyses

    Earnings Returns History

    Updated 8/25/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20264.7%9.3%12.2%
    4/29/2026-4.0%-4.3%-7.3%
    1/28/20264.4%11.8%6.3%
    10/23/20251.2%1.3%3.7%
    7/24/20250.2%-0.8%8.5%
    4/23/2025-3.9%-1.0%-0.9%
    1/23/20257.6%11.2%9.1%
    10/17/2024-3.7%-4.6%2.0%
    ...
    SUMMARY STATS   
    # Positive131615
    # Negative1189
    Median Positive1.4%2.9%5.3%
    Median Negative-2.3%-2.8%-1.6%
    Max Positive7.6%11.8%17.5%
    Max Negative-4.0%-5.1%-7.3%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20264.7%9.3%12.2%
    4/29/2026-4.0%-4.3%-7.3%
    1/28/20264.4%11.8%6.3%
    10/23/20251.2%1.3%3.7%
    7/24/20250.2%-0.8%8.5%
    4/23/2025-3.9%-1.0%-0.9%
    1/23/20257.6%11.2%9.1%
    10/17/2024-3.7%-4.6%2.0%
    7/18/2024-1.3%11.3%-1.0%
    4/25/20241.4%0.8%1.8%
    1/18/20242.7%6.8%-0.8%
    10/19/20231.0%4.0%17.5%
    7/20/2023-3.0%2.5%-5.9%
    4/20/2023-0.1%-5.1%-3.1%
    1/26/2023-0.3%2.4%-2.6%
    10/20/20220.6%3.2%3.3%
    7/21/2022-2.3%0.3%4.5%
    4/21/2022-2.6%-2.4%-1.6%
    1/20/2022-2.0%-1.7%-0.9%
    10/21/20210.4%1.3%5.3%
    7/22/20211.2%2.0%2.4%
    4/22/20212.9%5.4%7.2%
    1/21/20212.2%0.0%8.2%
    10/22/2020-1.3%-3.1%5.3%
    SUMMARY STATS   
    # Positive131615
    # Negative1189
    Median Positive1.4%2.9%5.3%
    Median Negative-2.3%-2.8%-1.6%
    Max Positive7.6%11.8%17.5%
    Max Negative-4.0%-5.1%-7.3%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/06/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/06/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/07/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/05/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/07/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/06/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/06/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/07/202410-Q
    12/31/202303/11/202410-K
    09/30/202311/06/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/05/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202102/22/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/05/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/06/202010-Q
    03/31/202005/07/202010-Q
    12/31/201902/20/202010-K
    09/30/201911/12/201910-Q

    Insider Activity

    Updated 9/8/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Shattuck, Katherine WDirectBuy908202626.178209280,266Form
    2Pellegrino, Frank GDirectBuy908202626.171784,6581,356,063Form
    3Shattuck, Katherine WDirectBuy810202625.218202267,304Form
    4Pellegrino, Frank GDirectBuy810202625.212085,2451,288,688Form
    5Trate, Christian CTrusteeSell804202625.2156014,118120,958Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Shattuck, Katherine WDirectBuy908202626.178209280,266Form
    2Pellegrino, Frank GDirectBuy908202626.171784,6581,356,063Form
    3Shattuck, Katherine WDirectBuy810202625.218202267,304Form
    4Pellegrino, Frank GDirectBuy810202625.212085,2451,288,688Form
    5Trate, Christian CTrusteeSell804202625.2156014,118120,958Form
    6Dorwart, Stephen MCorporationSell803202625.372,27857,797108,338Form
    7Shattuck, Katherine WDirectBuy710202623.029207243,904Form
    8Pellegrino, Frank GDirectBuy710202623.021984,5591,171,972Form
    9Shattuck, Katherine WDirectBuy608202621.4410214226,917Form
    10Pellegrino, Frank GDirectBuy608202621.441904,0741,087,031Form
    11Trate, Christian CTrusteeSell528202621.102294,832113,054Form
    12Lehman, Terry LDirectBuy513202620.831,00020,828631,446Form
    13Shattuck, Katherine WDirectBuy511202621.7510217227,216Form
    14Pellegrino, Frank GDirectBuy511202621.752375,1541,084,194Form
    15Shattuck, Katherine WDirectBuy407202622.5520451211,000Form
    16Pellegrino, Frank GDirectBuy407202622.551804,0581,094,384Form
    17Shattuck, Katherine WDirectBuy309202621.9521461205,038Form
    18Pellegrino, Frank GDirectBuy309202621.951854,0621,061,788Form
    19Shattuck, Katherine WDirectBuy211202623.2216372214,181Form
    20Pellegrino, Frank GDirectBuy211202623.221754,0641,105,945Form
    21Pellegrino, Frank GDirectBuy112202620.382004,075966,956Form
    22Shattuck, Katherine WDirectBuy112202620.3819387187,629Form
    23Pellegrino, Frank GDirectBuy1208202520.373166,436962,455Form
    24Shattuck, Katherine WDirectBuy1208202520.3729591197,343Form
    25Pellegrino, Frank GDirectBuy1110202519.142124,057885,946Form
    26Shattuck, Katherine WDirectBuy1110202519.1420383182,598Form
    27Shattuck, Katherine WDirectBuy1006202519.7019374187,564Form
    28Pellegrino, Frank GDirectBuy1006202519.702074,078907,776Form
    29Shattuck, Katherine WDirectBuy908202520.3418366193,290Form
    30Pellegrino, Frank GDirectBuy908202520.341994,048933,149Form

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