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CZNC

Citizens & Northern CorpClosed

25.19−0.08 −0.32%USD

NasdaqCM · as of Oct 13, 16:00 ET · 15m delayAfter hours 25.19 0.00%

Open

25.31

Prev close

25.27

Day range

25.0025.60

52-week range

18.8726.37

Volume

63.65K1.01×

Mkt cap

451.78M

P/E ttm

17.14

Fwd P/E

9.16

EPS ttm

1.47

Div yield

4.44%

Earnings

—

From 52w high

−4.47%

Price Chart

Yahoo Finance · delayed

CZNCOct 12, 2026O 24.96H 25.40L 24.94C 25.27+0.33 (+1.32%)Vol 53.90K

SMA 5025.61
SMA 20023.14

1Y change +31.14% since Oct 10, 2025 close538 bars loadedTimes in America/New_YorkDraw from the left toolbar · click a drawing to edit · right-click for alerts and export

CZNC Citizens & Northern Corp · Last Guard Finance

DES

Key Statistics

Yahoo Finance

Performance

1 week: −0.90%
1 month: −2.70%
3 months: +9.73%
6 months: +6.90%
Year to date: +25.29%
1 year: +31.14%

Valuation & ownership

Market cap: 451.78M
Enterprise value: 539.28M
P/E (ttm): 17.14
Forward P/E: 9.16
PEG ratio: 1.21
Price / book: 1.31
Price / sales (ttm): 3.55
EV / EBITDA: —
EPS (ttm): 1.47
EPS (forward): 2.75
Beta (5y monthly): 0.40
Dividend yield: 4.44%
Payout ratio: 76.19%
Shares outstanding: 17.93M
Float: 17.02M
Short % of float: 2.04%
Short ratio (days): 6.25
Held by insiders: 4.20%
Held by institutions: 34.23%
Avg volume (3m): 62.99K
50-day average: 25.61
200-day average: 23.14
52-week change: +31.14%
S&P 500 52-week: +17.50%

Technicals (daily)

RSI (14): 47.0
vs 50-day SMA: −1.34%
vs 200-day SMA: +9.22%
50 / 200-day trend: ▲ 50 above 200
MACD vs signal: ▼ below
ATR (14) % of price: 2.12%
Realised vol (20d, ann.): 14.6%
From 52-week high: −4.17%
From 52-week low: +33.92%

ANR

Analyst Consensus

1 analysts

Consensus

Hold

3.00 on a 1 (strong buy) – 5 (sell) scale

Mean target

27.00

+7.19% implied

Low 27.00Median 27.00High 27.00

Recommendation trend

Now0 / 1 / 0
1m ago0 / 1 / 0

Buy / hold / sell counts

DES

About Citizens & Northern Corp

Yahoo Finance profile

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Sector: Financial Services
Industry: Banks - Regional
Employees: 460
Headquarters: Wellsboro, PA, United States
Website: cnbankpa.com
Officers: Mr. J. Bradley Scovill President, CEO & Director
Mr. Mark A. Hughes Treasurer

SEAS

Seasonality · CZNC

2007–2026 · monthly returns

Strongest month Jul +3.63%Weakest month Aug −3.13%Averages use completed years only. Past seasonality doesn't predict future returns.

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2026	12.8	-1.3	-0.5	-1.2	-4.6	10.7	8.9	-0.2	-1.3	0.7			+24.9%
2025	14.7	0.1	-5.8	-4.3	-3.6	2.1	0.4	6.2	-1.9	-2.3	4.1	0.0	+8.4%
2024	-9.6	-9.4	2.3	-9.2	2.8	2.1	13.2	-0.5	-2.2	-3.9	8.2	-9.2	−17.1%
2023	3.5	-4.9	-5.0	-10.7	0.4	0.6	9.8	-14.8	-2.9	3.1	11.1	11.5	−1.9%
2022	-3.8	-1.4	-1.6	-4.0	4.0	-0.7	1.1	-1.8	0.8	-1.7	3.2	-6.8	−12.5%
2021	-3.7	9.5	13.7	3.9	-0.0	-0.8	0.8	1.6	0.7	1.0	-3.0	5.6	+31.7%
2020	-9.5	-11.3	-11.9	-10.6	7.3	7.7	-14.3	-3.2	-5.3	4.3	7.1	9.3	−29.8%
2019	-5.1	4.7	-4.6	13.2	-2.6	-4.6	-2.7	-7.4	10.8	-2.2	2.3	7.4	+6.9%
2018	-0.8	-5.9	3.1	4.6	5.9	1.1	4.7	3.4	-6.6	-3.7	5.7	-0.7	+10.1%
2017	-9.3	-1.2	-0.8	-0.1	-4.1	4.4	-0.8	-2.8	9.4	-0.5	5.0	-6.4	−8.4%
2016	-4.0	-1.2	-0.1	1.6	0.4	-0.3	5.4	1.5	1.6	-4.8	14.0	9.9	+24.8%
2015	-6.5	-0.4	4.8	-1.7	-2.3	6.0	-3.9	1.2	-2.3	1.5	3.6	2.3	+1.6%
2014	-5.1	1.7	-1.1	-4.9	-0.4	4.4	-2.6	3.8	-3.7	4.7	-2.2	6.2	+0.2%
2013	5.3	-2.0	0.0	-0.7	0.7	-0.9	2.2	-2.7	3.9	-0.9	4.7	-0.2	+9.2%
2012	13.8	-5.3	0.5	-5.3	-7.9	9.2	-2.9	3.6	2.3	-5.3	-3.1	5.0	+2.3%
2011	5.2	0.4	7.0	2.1	-17.1	5.9	9.2	-0.9	-8.9	11.5	2.7	8.6	+24.3%
2010	3.9	12.5	12.6	3.3	-2.5	-15.3	8.0	-8.8	23.3	12.5	1.9	-0.3	+55.8%
2009	-13.0	-12.1	22.4	7.2	5.3	-1.5	0.8	-11.9	-19.1	-17.6	-28.2	9.0	−51.7%
2008	2.9	9.6	-0.4	-9.2	10.7	-16.9	42.2	-19.8	14.1	9.0	-6.2	-10.4	+12.0%
2007	0.5	-0.9	-6.0	0.7	0.5	-6.2	-1.8	-6.3	2.1	8.8	-1.2	-9.9	−19.1%

INSD

Insider Activity · CZNC

Market-wide insider buying →Congress trades →SEC Form 4 filings via Yahoo Finance

Buys, 6 months

18.5K shares

Sells, 6 months

3.6K shares

Net shares

+14.9K

Net change in insider shares

+2.00%

Date	Insider	Transaction	Shares	Value
Oct 1, 2026	Pellegrino Frank GDirector	Purchase at price 25.51 per share.	245	$6.25K
Oct 1, 2026	Shattuck Katherine WDirector	Purchase at price 25.51 per share.	8	$204
Aug 6, 2026	Pellegrino Frank GDirector	Purchase at price 25.22 per share.	208	$5.25K
Aug 6, 2026	Shattuck Katherine WDirector	Purchase at price 25.22 per share.	8	$202
Aug 2, 2026	Trate Christian CDirector	Sale at price 25.21 per share.	560	$14.12K
Aug 2, 2026	Trate Christian CDirector	Sale at price 25.21 per share.	560	$14.12K
Jul 30, 2026	Dorwart Stephen MDirector	Sale at price 25.37 per share.	2.3K	$57.80K
Jul 7, 2026	Pellegrino Frank GDirector	Purchase at price 23.02 per share.	198	$4.56K
Jul 7, 2026	Shattuck Katherine WDirector	Purchase at price 23.02 per share.	9	$207
Jun 17, 2026	Van Sant William F IiiOfficer	Stock Award(Grant) at price 21.86 per share.	6.9K	$149.98K
May 27, 2026	Trate Christian CDirector	Sale at price 21.10 per share.	229	$4.83K
May 12, 2026	Lehman Terry LDirector	Purchase at price 20.83 per share.	1K	$20.83K
May 7, 2026	Pellegrino Frank GDirector	Purchase at price 21.75 per share.	237	$5.15K
May 7, 2026	Shattuck Katherine WDirector	Purchase at price 21.75 per share.	10	$217
Apr 22, 2026	Lehman Terry LDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K
Apr 22, 2026	Pellegrino Frank GDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K
Apr 22, 2026	Singer Aaron KDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K
Apr 22, 2026	Kilmer Bobbi JDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K
Apr 22, 2026	Loughery Robert GDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K
Apr 22, 2026	Dorwart Stephen MDirector	Stock Award(Grant) at price 23.15 per share.	1.1K	$25.00K

13F

Investors Holding CZNC

latest 13F filings of 29 followed managers

Investors holding CZNC
Investor	Value	Of portfolio	Shares	Change	Quarter
Renaissance Technologies	$1.2M	0.00%	52.99K	−0.8%	Q2 2026

From each investor's quarterly 13F filing with the SEC: positions at the quarter's end, reported up to 45 days later. All investors

CZNC

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Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

About Citizens & Northern Corp

Seasonality · CZNC

Insider Activity · CZNC

Congress Trades · CZNC

Investors Holding CZNC

Investors Holding CZNC

Congress Trades · CZNC

Insider Activity · CZNC

Seasonality · CZNC

Key Statistics

Performance

Valuation & ownership

Technicals (daily)

Analyst Consensus

About Citizens & Northern Corp

Financial Snapshot

Earnings & Dividends

News