Trailing Dividend / Share
$1.02
Citizens & Northern Corporation (CZNC) Dividend History
Income profile from 1994 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
4.7%
Payout Ratio
69.5%
Watch
Dividend Streak
0 years
CZNC Dividend Income Check
Safety
69.5% payout ratio with watch safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 5.5% and trend is rising.
CZNC Dividend Scorecard
Yield & Income
Dividend Yield4.7%
Trailing DPS$1.02
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout69.5%
Earnings SafetyWatch
FCF Payout50.3%
FCF SafetyAdequate
Piotroski F-Score5/9
Growth
Growth Streak0 years
3Y CAGR0.0%
5Y CAGR0.7%
Yield on Cost (5Y)5.5%
YOC Trendrising
Total Returns
Buyback Yield0.1%
Total Shareholder Yield4.8%
1Y Total Return23.1%
5Y Total Return10.6%
Div Contribution (5Y)22.7%
Estimated $10K growth (return + dividends):
5Y ago$11,06010Y ago$15,95120Y ago$19,359
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CZNC Income Growth Story
Dividend per share and yield on cost over time (33 years of payments)
CZNC Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Citizens & Northern Corporation distributes 69.5% of earnings as dividends (Watch). When measured against free cash flow—a stricter test—the payout ratio stands at 50.3%, rated "Adequate".
Piotroski F-Score: 5/9 — moderate financial health.
Growth Track Record
CZNC does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 0.0% and 5-year CAGR of 0.7%.
Total Shareholder Returns
Beyond cash dividends, CZNC returns capital through share repurchases. The combined picture: 4.7% dividend yield, 0.1% buyback yield, 4.8% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 5.5% and is currently rising. The 5-year total return is 10.6%, with dividends contributing 22.7% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $15,951 today.
CZNC Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$5.60
Avg/Payment$0.2800
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 4, 2026Latest | $0.2800 | — | 5.20% | May 15, 2026 |
| Feb 2, 2026 | $0.2800 | — | 4.93% | Feb 13, 2026 |
| Nov 3, 2025 | $0.2800 | — | 5.88% | Nov 14, 2025 |
| Aug 4, 2025 | $0.2800 | — | 6.05% | Aug 15, 2025 |
| May 2, 2025 | $0.2800 | — | 5.86% | May 15, 2025 |
| Feb 3, 2025 | $0.2800 | — | 5.33% | Feb 14, 2025 |
| Oct 28, 2024 | $0.2800 | — | 5.86% | Nov 8, 2024 |
| Jul 29, 2024 | $0.2800 | — | 5.55% | Aug 9, 2024 |
CZNC Dividend vs Peers
Comparable companies in the same industry
#1 yield in peer group
Div Yield
4.7%
#1 of 9
Safety
Watch
69.5% payout
Streak
0Y
0.7% 5Y CAGR
Total Shareholder
4.8%
#3 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
1st CZNCCitizens & Northern … | $389M | 4.7% | 69.5% | 0 | Watch |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
 FUNCFirst United Corpora… | $277M | 2.2% | 24.3% | 7 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
 MNSBMainStreet Bancshare… | $176M | 1.7% | 19.5% | 0 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 CNOBConnectOne Bancorp, … | $1.6B | 2.0% | 39.7% | 7 | Sustainable |
3rd  FULTFulton Financial Cor… | $4.4B | 3.4% | 36.1% | 5 | Sustainable |
2nd  PFISPeoples Financial Se… | $623M | 3.9% | 41.6% | 9 | Sustainable |
CZNC Annual Dividend History (1994–2026)
33 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.56 | — | 2 | — | — | — | 2.8% |
| 2025 | $1.12 | 0.0% | 4 | $1.46 | 76.7% | 1.30x | 5.5% |
| 2024 | $1.12 | 0.0% | 4 | $1.69 | 66.3% | 1.51x | 5.5% |
| 2023 | $1.12 | 0.0% | 4 | $1.57 | 71.3% | 1.40x | 5.5% |
| 2022 | $1.12 | 0.9% | 4 | $1.71 | 65.5% | 1.53x | 5.5% |
| 2021 | $1.11 | 2.8% | 4 | $1.92 | 57.8% | 1.73x | 5.5% |
| 2020 | $1.08 | -8.5% | 4 | $1.29 | 83.7% | 1.19x | 5.3% |
| 2019 | $1.18 | 9.3% | 4 | $1.46 | 80.8% | 1.24x | 5.8% |
| 2018 | $1.08 | 3.8% | 4 | $1.80 | 60.0% | 1.67x | 5.3% |
| 2017 | $1.04 | 0.0% | 4 | $1.10 | 94.5% | 1.06x | 5.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
32+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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CZNC — Frequently Asked Questions
Quick answers to the most common questions about buying CZNC stock.
How much dividend does CZNC pay per share?
Citizens & Northern Corporation (CZNC) pays a trailing 12-month dividend of $1.02 per share, with a current dividend yield of +4.7%. Payments are made Semi-Annual.
When is CZNC's next ex-dividend date?
CZNC's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CZNC typically pays dividends Semi-Annual.
Is CZNC's dividend safe?
CZNC's dividend safety is rated "Watch" based on an earnings payout ratio of +69.5% and FCF payout ratio of +50.3%. The dividend history does not yet show a prolonged growth streak.
How many years has CZNC increased its dividend?
CZNC has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +0.7%.
How often does CZNC pay dividends?
Citizens & Northern Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.02 per share. Dividend data on this page covers 32+ years from 1994 to 2026.
How much would $10,000 invested in CZNC grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CZNC five years ago would be worth approximately $11,060 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CZNC's yield on cost for long-term holders?
CZNC's yield on cost — the current dividend divided by the original purchase price — is +5.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +4.7% market yield, thanks to consistent dividend growth.