Citizens & Northern Corp (CZNC) stock
Close on Nov 13, 2026Market cap $504.33MP/E 14.2Yield –
Citizens & Northern Corp grew revenue 33.9% to $152.50M over the twelve months to Sep 30, 2026. Free cash flow was $51.89M, up 63.7% from a year earlier. At the latest close the market valued the company at $504.33M, 14.2 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $504.33M
- P/E ratio
- 14.2
- Price to sales
- 3.31
- Price to book
- 1.47
- Dividend yield
- –
- Free cash flow yield
- 10.29%
Fundamentals
- Revenue
- $152.50M
- Net income
- $35.08M
- EPS, diluted
- $1.98
- Free cash flow
- $51.89M
- Book value per share
- $19.29
- Diluted shares
- 18M
Trading
- Next earnings
- Jan 27, 2027 (estimated, after the close)
- Previous close
- $28.02
- Open
- $28.21
- Day's range
- $27.94 – $28.43
- Volume
- 57,047
- Average volume (20 days)
- 72,442
- Index membership
- Russell 2000, Russell 3000
- Beta (5 years)
- 0.42
- 52-week range
- $18.87 – $29.25
- RSI (14 days)
- 60.1
- Volatility (1 year)
- 23.5%
- Relative volume
- 0.88×
- WACC
- 7.6%
On 1 of our idea list: Breakout quarter
Index membership is inferred from the holdings of funds that track each index (IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2012, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CZNC | S&P 500 | Difference | CZNC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +12.8% | -3.0% | +15.9 pts | ||
| 3 months | +9.3% | -2.8% | +12.1 pts | ||
| Year to date | +46.1% | +11.5% | +34.6 pts | ||
| 1 year | +51.0% | +13.5% | +37.6 pts | ||
| 3 years | +67.7% | +77.7% | −10.0 pts | +18.8% | +21.1% |
| 5 years | +32.8% | +72.6% | −39.8 pts | +5.8% | +11.5% |
| 10 years | +84.7% | +308.2% | −223.5 pts | +6.3% | +15.1% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
EPS, diluted
Free cash flow
Press releases
Releases Citizens & Northern filed with the SEC as exhibits to Form 8-K or 6-K
- Update
- News
- Results
- Results
- News
- Results
About Citizens & Northern
State Commercial Banks
Citizens & Northern Corporation operates as a bank holding company primarily engaged in community banking through Citizens & Northern Bank and other subsidiaries. The company provides a comprehensive suite of financial solutions, including personal and commercial lending and deposit products. In addition to core banking services, it delivers wealth management offerings such as retirement planning, estate planning, asset management, and 401(k) administration through its trust department. Through subsidiary entities, it also makes available insurance products, mutual funds, annuities, and educational savings accounts, alongside credit and mortgage reinsurance operations. It serves a diverse customer base of individual consumers and commercial clients.
Company profile, executives and historyCitizens & Northern stock: common questions
What is Citizens & Northern's stock price?
CZNC closed at $28.12 on Nov 13, 2026, up 0.36% on the day. Over the past 52 weeks it traded between $18.87 and $29.25.
What is Citizens & Northern's market cap?
Citizens & Northern was worth $504.33M at the close on Nov 13, 2026: the share price times the diluted shares outstanding.
What is CZNC's P/E ratio?
CZNC trades at 14.2 times earnings, based on diluted earnings per share of $1.98 over the twelve months to Sep 30, 2026.
How much revenue does Citizens & Northern make?
Citizens & Northern reported revenue of $152.50M for the twelve months to Sep 30, 2026, up 33.9% from a year earlier.
Does Citizens & Northern pay a dividend?
No. Citizens & Northern has not paid a cash dividend over the last twelve months.
When does Citizens & Northern report earnings next?
Citizens & Northern is expected to report Q4 FY2026 results on Jan 27, 2027, after the close. The date is estimated from its past reporting pattern until the company confirms it.
How has CZNC stock performed over the past year?
Including dividends, CZNC returned +51.0% over the past year, against +13.5% for the S&P 500.
How many CZNC shares are sold short?
0M shares were sold short at the latest FINRA report, 1.62% of the float, or 3.8 days of average trading volume.
Who are Citizens & Northern's competitors?
Companies most similar to Citizens & Northern by business, industry and size include CHMG, ACNB, CCNE, STLE, UNTY.
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