Citizens & Northern Corporation faces significant headwinds as its 42.4% YoY net interest income growth is effectively neutralized by a sharp $13.6M provision for loan losses in 2026Q1. The bank's reliance on a $2.9 billion investment securities portfolio to m...
Price trend, volume and key moving averages
Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 23, 2026 | $0.79+25.4% vs $0.63 | $39M+8.0% vs $37M |
Q2 2026 May 8, 2026 | $0.02-96.6% vs $0.58 | $37M+2.9% vs $36M |
Q2 2026 May 6, 2026 | $0.02-96.6% vs $0.58 | $37M+2.9% vs $36M |
Q2 2026 Apr 29, 2026 | $0.02-96.6% vs $0.58 | $37M+2.9% vs $36M |
Bank of New York Mellon Corp purchased a new stake in Citizens and Northern Corp (NASDAQ: CZNC) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm purchased 122,662 shares of the financial services provider's stock, valued at approximately $2,859,000. Bank
Citizens & Northern (CZNC) came out with quarterly earnings of $0.79 per share, beating the Zacks Consensus Estimate of $0.63 per share. This compares to earnings of $0.4 per share a year ago.
Benchmark CZNC against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citizens & Northern Corporation (CZNC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.22 | $451.86M | 17.27 | 0.3% | 15.19% | 7.59% | 4.05% | |
| $21.23 | $204.74M | 14.54 | -9.39% | 14.64% | 6.77% | — | |
| $42.76 | $275.97M | 11.34 | 8.34% | 20.89% | 12.7% | — | |
| $29.40 | $265.8M | 15.00 | 33.46% | 18.47% | 11.57% | — | |
| $24.80 | $176.51M | 14.09 | 12.18% | 13.25% | 8% | — | |
| $50.48 | $2.63B | 15.16 | 14.54% | 22.65% | 11.26% | — |
Citizens & Northern Corporation (CZNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citizens & Northern Corporation (CZNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 23, 2026·SEC
May 11, 2026·SEC
Apr 29, 2026·SEC
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Citizens & Northern Corporation (CZNC) stock FAQ — growth, dividends, profitability & financials explained
Citizens & Northern Corporation (CZNC) grew revenue by 0.3% over the past year. Growth has been modest.
Yes, Citizens & Northern Corporation (CZNC) is profitable, generating $17.4M in net income for fiscal year 2025 (15.2% net margin).
Yes, Citizens & Northern Corporation (CZNC) pays a dividend with a yield of 4.05%. This makes it attractive for income-focused investors.
Citizens & Northern Corporation (CZNC) has a return on equity (ROE) of 7.6%. This is below average, suggesting room for improvement.
Citizens & Northern Corporation (CZNC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Citizens & Northern Corporation (CZNC) has an efficiency ratio of 46.8%. This is excellent, indicating strong cost control.
