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CZNC · Citizens & Northern Corp

Track CZNC — free
$25.51 +0.01 (+0.04%)
Market Cap
$447.83M
Shares
17.93M
Volume · Oct 6 1403 Avg daily vol (3M) 63.66K

Price & Indicators

Drag to pan · scroll to zoom
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$25.50 Open$25.49 Day$25.24–25.58 52W close$19.01–26.13 Avg vol 30d59K Short int402K · 2.2% float · 7.1d Short vol50% DataJan 2020–Oct 2026 Filing10-Q · Aug 7

Up next

filed Aug 7, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$142.50M
Trailing 12 months
Net income (TTM)
$25.35M
Trailing 12 months
Revenue growth YoY
+34.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
17.7
Trailing earnings · reciprocal yield 5.7%
FCF yield
10.0%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+15.6%
Year over year · more shares
Price change (1Y)
+31.0%
Trailing year
Short interest
2.2%
Latest settlement · 7.1 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Neutral Momentum Neutral Sentiment Bearish Fundamentals Strong Quant / Vol Low
Market backdrop VIX 15.5 · calm Equity put/call 0.59
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +11%
above
Price vs 50-day avg −0%
below
RSI (14) 49
neutral
MACD trend Negative
52-week position 91%
near high
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Neutral
1-month return −2%
trailing
6-month return +8%
trailing
YTD return +26%
this year
Relative strength −3%
vs S&P · 6-mo
Sentiment
smart money
Bearish
Trend (MA cross) No cross
50d $26 › 200d $23 — 50d above 200d
Institutional flow Flat
1 of 94 funds reported for Sep 30 · net 0 sh shares
Insider flow Distributing
Net -$71.9K over 90 days · 100% sells
Short interest Rising
2.24% of float · ▲ +7.2% MoM · 7.1 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
94 holders — mid 3-yr range
Squeeze score 61
elevated · 0–100
Fundamentals
Strong
EPS growth +8%
Y/Y
Free cash flow $30.1M
Valuation P/E 17.7
rich
Balance sheet $1.6M
net cash
Quant / Vol
risk profile
Low
Volatility 23%
annualized · 1-yr
Max drawdown −15%
past year
ATR 2.0%
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 Neutral
1 · 4 · 2
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+11% Bullish
Price vs 50-day avg
−0% Neutral
RSI (14)
49 Neutral
MACD trend
Negative Bearish
52-week position
91% Bullish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $26 › 200d $23 — 50d above 200d
Institutional flow Flat
1 of 94 funds reported for Sep 30 · net 0 sh shares
Insider flow Distributing
Net -$71.9K over 90 days · 100% sells
Short interest Rising
2.24% of float · ▲ +7.2% MoM · 7.1 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 · 91% Range high $26
vs 200-day avg +11% vs 50-day avg 0%

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
Average balance of total borrowed funds 202.93M Three Months Ended June 30, 2026 filing —
Average rate on interest-bearing liabilities 2.15% Three Months Ended June 30, 2026 filing —
Average rate on total borrowed funds 4.21% Three Months Ended June 30, 2026 filing —
Average yield on earning assets 5.7% Three Months Ended June 30, 2026 filing —
Net Interest Income (fully taxable equivalent) non-GAAP 29.86M Three Months Ended June 30, 2026 filing —
Net Interest Margin 4.07% Three Months Ended June 30, 2026 filing —

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
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
CZNC
Citizens & Northern Corp
this stock
$447.83M +26.4% — 17.7 2.2%
MFG
Mizuho Financial Group Inc
$133.98B +50.7% — — 0.1%
HDB
Hdfc Bank Ltd
$118.26B -39.5% -3.2% — 0.7%
CIXPF
CaixaBank/ADR
$103.83B +16.0% — — 0.1%
IBN
Icici Bank Ltd
$100.21B -6.9% — — 0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders
Holders
94
% held
33.3%
Reported
1 of 94
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
128
View
Short & Settlement
Short Interest Rising
Shares short
401.6K
Days to cover
7.1d
Change
+26.9K sh
View
Short Volume
Short vol %
50%
As of
Oct 5, 2026
Short Total
View
Fails to Deliver
FTD shares
332
Value
$8.6K
As of
Sep 14, 2026
View
Off-Exchange
Off-exchange %
39.0%
Week of
Aug 31, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$71.9K
Buyers / Sellers
0 / 2
Buyers Sellers
View
Financials
Financials
Net income (FY)
$23.4M
EPS diluted
$1.69
View
Buybacks
Authorized
shares 600.0K
View
Filings
SEC Filings
Latest
8-K
Filed
Sep 22, 2026
This year
12
View
Exempt Offerings
Offering
$15.0M
Filed
May 20, 2021
View

Performance

5D 20D 120D MTD YTD
CZNC -0.2% -2.3% +8.1% +1.9% +26.4%
SPY +1.2% +0.6% +11.6% +1.6% +13.6%
vs SPY -1.4% -2.9% -3.5% +0.3% +12.8%

Capital returns

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.

Key facts CIK 810958 CUSIP 172922106 13F (30d) 2 filings 2 filers Visit website Investor relations