Citizens & Northern (CZNC) Stock Insights

CZNC price $27.53 -0.31 -1.11%

Ticker
CZNC
Price
$27.53
Change
-0.31 -1.11%
Market cap ?
$493.75M
Beta ?
0.40
Sector
Financial Services
Industry
Banks - Regional

Fair value

CZNC fair value Not meaningful. Price $27.53.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

No estimate. Cash-flow models don't suit banks

Compare CZNC

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-01-21—0.68—37.60M
2026-10-220.920.6839.56M42.28M
2026-07-230.790.6339.42M36.50M
2026-05-080.020.5836.62M35.60M
2026-01-280.560.5836.83M35.40M
2025-10-230.470.5329.04M28.60M
2025-08-080.400.4726.93M27.70M
2025-04-230.410.4426.60M27.70M
2025-01-230.530.4527.67M26.90M
2024-10-170.410.4526.78M26.95M
2024-08-070.400.3926.83M26.52M
2024-05-070.350.3525.23M26.68M
2024-03-110.280.3635.61M—
2023-11-060.500.3928.31M26.37M
2023-08-080.390.3726.60M26.59M
2023-05-050.400.4225.92M26.66M
2023-03-160.460.4831.49M—
2023-01-260.500.4828.40M27.70M
2022-07-210.480.4426.11M26.07M
2022-05-060.440.4025.77M25.07M
2022-01-200.460.4625.75M26.03M
2021-11-080.470.4627.10M26.56M
2021-08-060.440.4726.38M26.56M
2021-05-070.550.4526.53M25.76M
2021-01-210.510.4226.14M25.71M
2020-11-060.500.3625.94M3.77M
2020-08-060.450.3119.50M13.73M
2020-05-070.31—22.02M—
2020-01-160.42—22.02M—
2019-10-170.400.4421.96M21.18M
2019-08-060.460.4318.78M17.82M
2019-05-070.410.4315.93M16.12M
2019-01-170.460.4216.71M15.55M
2018-10-180.420.4317.48M16.98M
2018-07-190.420.3917.09M16.18M
2018-04-190.360.2914.98M12.33M
2018-01-180.340.3314.56M14.47M
2017-10-190.320.3415.35M15.63M
2017-08-030.340.3314.27M14.14M
2017-04-200.280.2713.87M13.66M

Dividends

Yield 4.07%. Payout ratio 50.21%. Frequency Quarterly.

Safety score 82/100 · Safe. Payout ratio is 50% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividends were paid in 33 separate years. Yield is 4.1%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-11-02$0.302026-11-022026-11-13Quarterly
2026-08-03$0.282026-08-032026-08-14Quarterly
2026-05-04$0.282026-05-042026-05-15Quarterly
2026-02-02$0.282026-02-022026-02-13Quarterly
2025-11-03$0.282025-11-032025-11-14Quarterly
2025-08-04$0.282025-08-042025-08-15Quarterly
2025-05-02$0.282025-05-042025-05-15Quarterly
2025-02-03$0.282025-02-032025-02-14Quarterly
2024-10-28$0.282024-10-282024-11-08Quarterly
2024-07-29$0.282024-07-292024-08-09Quarterly
2024-05-03$0.282024-05-062024-05-17Quarterly
2024-01-26$0.282024-01-292024-02-09Quarterly
2023-10-27$0.282023-10-302023-11-10Quarterly
2023-07-28$0.282023-07-312023-08-11Quarterly
2023-04-28$0.282023-05-012023-05-12Quarterly
2023-02-02$0.282023-02-032023-02-14Quarterly
2022-10-28$0.282022-10-312022-11-11Quarterly
2022-07-29$0.282022-08-012022-08-12Quarterly
2022-04-29$0.282022-05-022022-05-13Quarterly
2022-01-28$0.282022-01-312022-02-11Quarterly
2021-10-29$0.282021-11-012021-11-12Quarterly
2021-07-30$0.282021-08-022021-08-13Quarterly
2021-04-30$0.282021-05-032021-05-14Quarterly
2021-01-29$0.272021-02-012021-02-12Quarterly
2020-10-30$0.272020-11-022020-11-13Quarterly
2020-07-24$0.272020-07-272020-08-07Quarterly
2020-04-24$0.272020-04-272020-05-08Quarterly
2020-01-24$0.272020-01-272020-02-07Quarterly
2019-10-25$0.272019-10-282019-11-08Quarterly
2019-07-26$0.272019-07-292019-08-09Quarterly
2019-04-26$0.272019-04-292019-05-10Quarterly
2019-01-25$0.372019-01-282019-02-08Quarterly
2018-10-26$0.272018-10-292018-11-09Quarterly
2018-07-27$0.272018-07-302018-08-10Quarterly
2018-04-27$0.272018-04-302018-05-11Quarterly
2018-01-26$0.272018-01-292018-02-09Quarterly
2017-10-27$0.262017-10-302017-11-10Quarterly
2017-07-27$0.262017-07-312017-08-11Quarterly
2017-04-27$0.262017-05-012017-05-12Quarterly
2017-01-26$0.262017-01-302017-02-10Quarterly
2016-10-27$0.262016-10-312016-11-14Quarterly
2016-07-28$0.262016-08-012016-08-12Quarterly
2016-04-28$0.262016-05-022016-05-13Quarterly
2016-01-28$0.262016-02-012016-02-12Quarterly
2015-10-29$0.262015-11-022015-11-13Quarterly
2015-07-30$0.262015-08-032015-08-14Quarterly
2015-04-30$0.262015-05-042015-05-15Quarterly
2015-01-29$0.262015-02-022015-02-13Quarterly
2014-10-31$0.262014-11-042014-11-17Quarterly
2014-07-24$0.262014-07-282014-08-08Quarterly
2014-04-24$0.262014-04-282014-05-09Quarterly
2014-01-30$0.262014-02-032014-02-14Quarterly
2013-10-31$0.252013-11-042013-11-15Quarterly
2013-07-25$0.252013-07-292013-08-09Quarterly
2013-04-25$0.252013-04-292013-05-10Quarterly
2013-01-31$0.252013-02-042013-02-15Quarterly
2012-10-31$0.242012-11-012012-11-13Quarterly
2012-07-30$0.222012-08-012012-08-13Quarterly
2012-04-27$0.202012-05-012012-05-14Quarterly
2012-01-26$0.182012-01-302012-02-10Quarterly
2011-10-28$0.162011-11-012011-11-14Quarterly
2011-07-28$0.152011-08-012011-08-12Quarterly
2011-04-28$0.142011-05-022011-05-13Quarterly
2011-01-27$0.132011-01-312011-02-11Quarterly
2010-10-28$0.122010-11-012010-11-12Quarterly
2010-07-29$0.102010-08-022010-08-13Quarterly
2010-04-29$0.092010-05-032010-05-14Quarterly
2010-01-28$0.082010-02-012010-02-12Quarterly
2009-09-29$0.242009-10-012009-10-20Quarterly
2009-06-29$0.242009-07-012009-07-17Quarterly
2009-03-30$0.242009-04-012009-04-17Quarterly
2008-12-31$0.242009-01-052009-01-20Quarterly
2008-09-29$0.242008-10-012008-10-17Quarterly
2008-07-01$0.242008-07-032008-07-18Quarterly
2008-03-28$0.242008-04-012008-04-18Quarterly
2007-12-28$0.242008-01-022008-01-22Quarterly
2007-09-27$0.242007-10-012007-10-19Quarterly
2007-07-02$0.242007-07-052007-07-20Quarterly
2007-03-30$0.242007-04-032007-04-20Quarterly
2006-12-28$0.232007-01-022007-01-22Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-10-02Shattuck Katherine WBuy8$25.51204
2026-10-02Pellegrino Frank GBuy245$25.516.25K
2026-09-04Pellegrino Frank GBuy178$26.174.66K
2026-09-04Shattuck Katherine WBuy8$26.17209
2026-08-20SCOVILL J BRADLEYBuy73$25.841.89K
2026-08-20RUDY THOMAS L JRBuy160$25.844.13K
2026-08-20REBER JOHN MBuy110$25.842.84K
2026-08-20Watkins Tracy EllenBuy73$25.841.89K
2026-08-20Hoose Harold F IIIBuy181$25.844.68K
2026-08-20Runk David SBuy1$25.8426
2026-08-20Rush Blair TBuy31$25.84801
2026-08-20Balagour AlexanderBuy23$25.84594
2026-08-20Dunsmore Stan RBuy107$25.842.76K
2026-08-20James Glenn RichardBuy3$25.8478
2026-08-20HUGHES MARK ABuy213$25.845.50K
2026-08-14SINGER AARON KBuy96$26.082.50K
2026-08-14SINGER AARON KBuy64$25.961.66K
2026-08-14Santiago Helen SBuy108$25.892.80K
2026-08-14Santiago Helen SBuy1$25.8926
2026-08-14Santiago Helen SBuy1$25.8926
2026-08-14Shattuck Katherine WBuy102$25.892.64K
2026-08-14Loughery Robert GBuy114$25.892.95K
2026-08-14Pellegrino Frank GBuy539$25.8913.95K
2026-08-14Dorwart Stephen MBuy57$25.961.48K
2026-08-14Kilmer Bobbi JBuy64$25.891.66K
2026-08-14Kilmer Bobbi JBuy131$25.963.40K
2026-08-14SCOVILL J BRADLEYBuy400$25.9510.38K
2026-08-14REBER JOHN MBuy341$25.898.83K
2026-08-14Watkins Tracy EllenBuy80$25.892.07K
2026-08-14Dunsmore Stan RBuy1$25.8926
2026-08-14James Glenn RichardBuy8$25.89207
2026-08-07Pellegrino Frank GBuy208$25.215.24K
2026-08-07Shattuck Katherine WBuy8$25.21202
2026-08-03Trate Christian CSell560$25.2114.12K
2026-08-03Trate Christian CSell560$25.2114.12K
2026-07-31Dorwart Stephen MSell2.28K$25.3757.80K
2026-07-08Shattuck Katherine WBuy9$23.02207
2026-07-08Pellegrino Frank GBuy198$23.024.56K
2026-06-19Van Sant William F IIIBuy6.86K$21.86149.98K
2026-06-05Shattuck Katherine WBuy10$21.44214
2026-06-05Pellegrino Frank GBuy190$21.444.07K
2026-05-28Trate Christian CSell229$21.104.83K
2026-05-26Van Sant William F IIIOther0——
2026-05-20RUDY THOMAS L JRBuy194$20.804.03K
2026-05-20REBER JOHN MBuy134$20.802.79K
2026-05-20James Glenn RichardBuy5$20.80104
2026-05-20HUGHES MARK ABuy259$20.805.39K
2026-05-20Hoose Harold F IIIBuy222$20.804.62K
2026-05-20Dunsmore Stan RBuy132$20.802.75K
2026-05-20Cwiklinski Kelley ABuy38$20.80790
2026-05-20Balagour AlexanderBuy29$20.80603
2026-05-20Runk David SBuy1$20.8021
2026-05-20SCOVILL J BRADLEYBuy89$20.801.85K
2026-05-20Watkins Tracy EllenBuy90$20.801.87K
2026-05-20Rush Blair TBuy39$20.80811
2026-05-15Santiago Helen SBuy132$20.822.75K
2026-05-15Santiago Helen SBuy2$20.8242
2026-05-15Santiago Helen SBuy2$20.8242
2026-05-15RUDY THOMAS L JRBuy1$20.8221
2026-05-15REBER JOHN MBuy418$20.828.70K
2026-05-15James Glenn RichardBuy10$20.82208
2026-05-15Dunsmore Stan RBuy1$20.8221
2026-05-15Loughery Robert GBuy140$20.822.91K
2026-05-15Shattuck Katherine WBuy125$20.822.60K
2026-05-15Pellegrino Frank GBuy653$20.8213.59K
2026-05-15SCOVILL J BRADLEYBuy490$20.8910.24K
2026-05-15Watkins Tracy EllenBuy98$20.822.04K
2026-05-15Kilmer Bobbi JBuy77$20.821.60K
2026-05-15Kilmer Bobbi JBuy161$20.853.36K
2026-05-15Dorwart Stephen MBuy70$20.851.46K
2026-05-15SINGER AARON KBuy103$20.302.09K
2026-05-15SINGER AARON KBuy17$20.82354
2026-05-15SINGER AARON KBuy77$20.851.61K
2026-05-13Lehman Terry LBuy1.00K$20.8320.83K
2026-05-08Shattuck Katherine WBuy10$21.75217
2026-05-08Pellegrino Frank GBuy237$21.755.15K
2026-04-23Trate Christian CBuy1.08K$23.1525.00K
2026-04-23Santiago Helen SBuy1.08K$23.1525.00K
2026-04-23Loughery Robert GBuy1.08K$23.1525.00K
2026-04-23Dorwart Stephen MBuy1.08K$23.1525.00K
2026-04-23Lehman Terry LBuy1.08K$23.1525.00K
2026-04-23Kilmer Bobbi JBuy1.08K$23.1525.00K
2026-04-23Shattuck Katherine WBuy1.08K$23.1525.00K
2026-04-23Pellegrino Frank GBuy1.08K$23.1525.00K
2026-04-23SINGER AARON KBuy1.08K$23.1525.00K
2026-04-06Pellegrino Frank GBuy180$22.554.06K
2026-04-06Shattuck Katherine WBuy20$22.55451
2026-03-06Shattuck Katherine WBuy21$21.95461
2026-03-06Pellegrino Frank GBuy185$21.954.06K
2026-02-20RUDY THOMAS L JRSell141$23.673.34K
2026-02-20Cwiklinski Kelley ASell169$23.674.00K
2026-02-20Dunsmore Stan RSell148$23.673.50K
2026-02-20Watkins Tracy EllenSell111$23.672.63K
2026-02-20SCOVILL J BRADLEYSell499$23.6711.81K
2026-02-18Rush Blair TBuy34$23.76808
2026-02-18Hoose Harold F IIIBuy192$23.764.56K
2026-02-18HUGHES MARK ABuy225$23.765.35K
2026-02-18James Glenn RichardBuy4$23.7695
2026-02-18REBER JOHN MBuy116$23.762.76K
2026-02-18Rush Blair TBuy34$23.76808

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 95, holders -1 vs prior quarter. Ownership 34.12%.

HolderSharesChangeChange %Value
BLACKROCK, INC.1.36M171.39K+14.43%31.69M
VANGUARD CAPITAL MANAGEMENT LLC761.65K36.54K+5.04%17.75M
DIMENSIONAL FUND ADVISORS LP637.12K16.84K+2.71%14.85M
GEODE CAPITAL MANAGEMENT, LLC451.36K30.85K+7.34%10.52M
CITIZENS & NORTHERN CORP349.49K-10.36K-2.88%8.15M
STATE STREET CORP337.93K2.57K+0.77%7.88M
NORTHERN TRUST CORP149.96K11.99K+8.69%3.50M
VANGUARD PORTFOLIO MANAGEMENT LLC146.00K47.13K+47.67%3.40M
BANK OF NEW YORK MELLON CORP122.66K7.95K+6.93%2.86M
VANGUARD FIDUCIARY TRUST CO120.61K1.37K+1.15%2.81M
PENNSYLVANIA CAPITAL MANAGEMENT INC /ADV99.97K00.00%2.33M
CITADEL ADVISORS LLC74.11K51.63K+229.76%1.73M
PNC FINANCIAL SERVICES GROUP, INC.72.32K23+0.03%1.69M
TWO SIGMA INVESTMENTS, LP64.34K18.79K+41.24%1.50M
MORGAN STANLEY61.02K32.84K+116.52%1.42M
LOGAN CAPITAL MANAGEMENT INC60.26K60.26KNew1.40M
AQR CAPITAL MANAGEMENT LLC55.16K7.54K+15.84%1.29M
IVC WEALTH ADVISORS LLC54.61K-1.96K-3.46%1.27M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.54.32K54.32KNew1.27M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC54.32K4.87K+9.85%1.27M
RENAISSANCE TECHNOLOGIES LLC52.99K-451-0.84%1.24M
SQUAREPOINT OPS LLC52.69K-7.78K-12.87%1.23M
HUDOCK, INC.50.80K7.65K+17.73%1.18M
STONE HOUSE INVESTMENT MANAGEMENT, LLC49.09K-7.28K-12.92%1.14M
QUBE RESEARCH & TECHNOLOGIES LTD48.08K48.08KNew1.12M

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Citizens & Northern (CZNC) Stock Insights

CZNC$27.53-0.31 -1.11%

$493.75M

Market Cap

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P/E

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Forward P/E

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Score

Price History