CZNC · Citizens & Northern Corp
$25.70
+0.12 (+0.47%)
At close · Aug 20
Market Cap
$461.91M
Shares
17.93M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$25.70
Open$25.54
Day$25.16–25.76
52W close$19.01–26.09
Avg vol 30d69K
Short int400K · 2.2% float · 5.5d
Short vol56%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+8%
above
RSI (14)
64
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+10%
trailing
6-month return
+14%
trailing
YTD return
+27%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$76.7K over 90 days · 100% sells
Short interest
Rising
2.23% of float · ▲ +20.1% MoM · 5.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
94 holders — mid 3-yr range
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+8%
Y/Y
Free cash flow
$30.1M
Balance sheet
$18.5M
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−15%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
+8%
Bullish
RSI (14)
64
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $24 › 200d $22 — 50d above 200d
Institutional flow
Distributing
-3% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$76.7K over 90 days · 100% sells
Short interest
Rising
2.23% of float · ▲ +20.1% MoM · 5.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
94 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $19
Now $26 · 94%
Range high $26
vs 200-day avg +16%
vs 50-day avg +8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a % of total loans | 1.39% | June 30, 2026 | — |
| Common Shares Outstanding, End of Period | 17,942,105 | June 30, 2026 | — |
| Efficiency ratio | 60% | second quarter 2026 | — |
| Efficiency Ratio = (2)/(1) non-GAAP | 60.84% | Six Months Ended June 30, 2026 | — |
| Net interest margin | 4.02% | first six months of 2026 | — |
|
|
|||
| Number of banking offices | 35 | June 30, 2026 | — |
| Pre-tax, pre-provision net revenue (PPNR) non-GAAP | $29,957,000 | six months ended June 30, 2026 | — |
| Return on Average Tangible Common Equity non-GAAP | 10.58% | Six Months Ended June 30, 2026 | — |
| Shares available to be repurchased under treasury stock program | 723,465 | June 30, 2026 | — |
| Tangible common book value per share non-GAAP | $15.33 | June 30, 2026 | — |
| Tangible common equity ratio non-GAAP | 8.93% | June 30, 2026 | — |
| Total Highly Liquid Available Funding | $1.39B | June 30, 2026 | — |
| ACL as percentage of gross loans receivable | 1.42% | first quarter 2026 | — |
| Highly liquid sources as percentage of uninsured and uncollateralized deposits | 199.1% | first quarter 2026 | — |
| Highly liquid sources as percentage of uninsured deposits | 159.3% | first quarter 2026 | — |
| Highly liquid sources of available funds | $1.36B | first quarter 2026 | — |
| Nonperforming assets as percentage of total assets | 1.33% | first quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CZNC
this stock
Citizens & Northern Corp
|
$461.91M | +27.4% | — | — | 2.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CZNC | -1.2% | +10.5% | +14.4% | +1.2% | +27.4% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +0.8% | +7.2% | +3.3% | -0.9% | +15.6% |
Capital returns
Latest dividend
$0.28
/ share · ex Aug 3, 2026
Paid (TTM)
$1.12
/ share · 4 payouts
Dividend yield (TTM, derived)
4.36%
Buyback program
· as of Apr 21, 2016
Authorized
shares 600,000
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.