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  3. CZNC
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CZNC

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0(0.000%)1D
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    Overview
    Forecast
    Valuation
    Earnings
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Amount
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EV/EBITDA(TTM)
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EV
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
35.40M
+26.34%
0.580
+9.43%
35.90M
+33.05%
0.590
+43.9%
--
--
0.600
+48.55%
Estimates Revision
The market is revising Upward the revenue expectations for Citizens & Northern Corporation (CZNC) for FY2025, with the revenue forecasts being adjusted by 5.18% over the past three months. During the same period, the stock price has changed by 1.66%.
Revenue Estimates for FY2025
Revise Upward
up Image
+5.18%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-0.53%
In Past 3 Month
Stock Price
Go Up
up Image
+1.66%
In Past 3 Month
Wall Street analysts forecast CZNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZNC is 22.00 USD with a low forecast of 22.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
Wall Street analysts forecast CZNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZNC is 22.00 USD with a low forecast of 22.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
1 Hold
0 Sell
Hold
Current: 20.500
sliders
Low
22.00
Averages
22.00
High
22.00
Current: 20.500
sliders
Low
22.00
Averages
22.00
High
22.00
Piper Sandler
Neutral
maintain
$21 -> $22
2025-10-24
Reason
Piper Sandler
Price Target
$21 -> $22
2025-10-24
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on Citizens & Northern to $22 from $21 and keeps a Neutral rating on the shares following earnings release. The firm would not anticipate much of a stock price reaction in response to the quarterly results.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Citizens & Northern Corp (CZNC.O) is 8.61, compared to its 5-year average forward P/E of 12.22. For a more detailed relative valuation and DCF analysis to assess Citizens & Northern Corp 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Undervalued
5Y Average PE
12.22
Current PE
8.61
Overvalued PE
14.13
Undervalued PE
10.31

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
2.89
Current PS
0.00
Overvalued PS
3.87
Undervalued PS
1.91
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
AI Stock Picker
AI Stock Picker

CZNC News & Events

Events Timeline

(ET)
2025-05-12
09:06:48
Citizens & Northern announces acquisition of Susquehanna Community Financial
select
2024-10-25 (ET)
2024-10-25
09:43:00
Citizens & Northern partners with POS provider Clover
select
Sign Up For More Events
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News

[object Object]
Preview
9.5
08-13NASDAQ.COM
Pathward Financial (CASH) Surpasses Q3 Earnings and Revenue Estimates (Revised)

  • Earnings Performance: Pathward Financial (CASH) reported quarterly earnings of $1.81 per share, exceeding expectations and showing a year-over-year increase from $1.66 per share, along with revenues of $195.76 million, surpassing estimates by 5.08%.

  • Market Outlook: The stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market, while future earnings estimates will be crucial for investors to monitor, especially given the mixed trend in estimate revisions prior to the earnings release.

[object Object]
Preview
8.5
05-12Newsfilter
Citizens & Northern Corporation Announces Acquisition of Susquehanna Community Financial, Inc.

  • Merger Announcement: Citizens & Northern Corporation (C&N) and Susquehanna Community Financial, Inc. (SQCF) have agreed to merge, with SQCF merging into C&N, creating a combined entity with approximately $3.2 billion in assets and enhancing service capabilities across Pennsylvania.

  • Shareholder Impact: SQCF shareholders will receive shares of C&N stock, resulting in them owning about 13% of the new company post-merger, which is expected to be accretive to earnings per share by 2026 while diversifying C&N's loan portfolio.

[object Object]
Preview
8.5
04-26Newsfilter
KBRA Comments on Citizens & Northern Corporation's Proposed Acquisition of Susquehanna Community Financial, Inc.

  • Merger Announcement: Citizens & Northern Corporation and Susquehanna Community Financial have agreed to merge, with the transaction valued at $44.3 million, expected to close in Q4 2025 pending regulatory approval. The merger aims to enhance C&N's growth strategy by expanding its market presence in central Pennsylvania.

  • Financial Impact: The acquisition is projected to add approximately $600 million in assets to C&N, resulting in a proforma total of $3.2 billion in assets, and is anticipated to yield significant cost savings and strong profitability metrics post-merger, while maintaining solid credit quality across both institutions.

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FAQ

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What is Citizens & Northern Corp (CZNC) stock price today?

The current price of CZNC is 20.5 USD — it has increased 0 % in the last trading day.

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What is Citizens & Northern Corp (CZNC)'s business?

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank (the Bank). The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. It operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production office in Elmira, New York.

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What is the price predicton of CZNC Stock?

Wall Street analysts forecast CZNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CZNC is 22.00 USD with a low forecast of 22.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Citizens & Northern Corp (CZNC)'s revenue for the last quarter?

Citizens & Northern Corp revenue for the last quarter amounts to 27.93M USD, increased 8.65 % YoY.

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What is Citizens & Northern Corp (CZNC)'s earnings per share (EPS) for the last quarter?

Citizens & Northern Corp. EPS for the last quarter amounts to 0.42 USD, increased 2.44 % YoY.

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What changes have occurred in the market's expectations for Citizens & Northern Corp (CZNC)'s fundamentals?

The market is revising Upward the revenue expectations for Citizens & Northern Corporation (CZNC) for FY2025, with the revenue forecasts being adjusted by 5.18% over the past three months. During the same period, the stock price has changed by 1.66%.
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How many employees does Citizens & Northern Corp (CZNC). have?

Citizens & Northern Corp (CZNC) has 386 emplpoyees as of December 05 2025.

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What is Citizens & Northern Corp (CZNC) market cap?

Today CZNC has the market capitalization of 364.94M USD.

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