What is CZNC's P/E ratio?

Citizens & Northern Corp (CZNC) currently trades at a P/E ratio of 17.97.

Citizens & Northern Corp reports a Return on Equity (ROE) of 7.32%.

What is CZNC's dividend yield?

Citizens & Northern Corp offers a dividend yield of 4.40%.

What is CZNC's Quality Score?

Our AI rates CZNC's overall financial quality at 23 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy CZNC?

Our AI Timing Score for CZNC is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does CZNC belong to?

Citizens & Northern Corp is classified under the Financial Services >> Banks - Regional sector on the NASDAQ exchange

Citizens & Northern Corp (CZNC) Stock Price

Stock Check Daily update data at 8:30 AM
(Price: 2026-08-04 | FS: 2026-06-30)

CZNC AI Analysis Summary

Our AI summary for CZNC: Citizens & Northern Corp (NASDAQ), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 17.97, ROE of 7.32%, a dividend yield of 4.40%. Its financial Quality Score stands at 23/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

CZNC

Citizens & Northern Corp

US:NASDAQ STOCK Financial Services >> Banks - Regional

USD 25.36

0.06 (0.24%) Day Change

Watchlist Portfolio Compare Chart

17.97

P/E

0.04

D/E

7.3%

ROE

0.8%

ROA

4.40%

Div Yield

Data partially updated

CITIZENS & NORTHERN CORP
TYPE: STOCK
MARKET: NASDAQ

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USD 25.36 Price 0.06 (0.24%) Day Change	NEWS SCORE: N/A

CZNC, the overall quality is not good ( Quality = 23) but the timing to buy is ...(Sign In to See)...

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23 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
Negative growth of ROE in the last year.
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not quite good , and ability to make profit is ok , ...

Quality Factors

44%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	N/A
Magic Formula Rank by ROA	2564
Magic Formula Rank by ROE	2564
Magic Formula Rank by ROIC	2665
Price	25.36
PBV / Sector	1.32 / 1.34 GOOD
Earning Per Share	1.41

PE / Sector	17.97 / 13.69
PEG or PE/Growth / Sector	N/A / 0.01
Average 1M Daily Value	1.62 M GREAT
Average 1W Daily Value	1.79 M GREAT

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

50%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

62%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	15.42 / 25.98 GOOD
NPM Average (%) / Sector	17.62 / 20,092.93 GREAT
NPM Change Average (%) / Sector	-9.10 / 20.72
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.80 / 1,212.43
ROA Average (%) / Sector	0.92 / 243.35
ROA Change Average (%) / Sector	-6.29 / 41,311.11
ROE (%) / Sector	7.32 / 2,096.47
ROE Average (%) / Sector	8.70 / 427.43
ROE Change Average (%) / Sector	-7.95 / 5,460.63
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

62%

Dividend (%) / Sector	4.40 / 2.49 GOOD
Dividend Average (%) / Sector	5.61 / 46.24 GREAT
Dividend Change Average (%) / Sector	-6.08 / -0.22

Registration Details

Analyze Date	2026-08-05 08:00:03
Symbol	CZNC
Name	CITIZENS & NORTHERN CORP
Sector	Financial Services >> Banks - Regional
Market	NASDAQ
Listed Shares	17.94 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	455.55 / 7,069.04

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 90-92 Main Street, Wellsboro, PA, United States, 16901

Phone: 570 724 3411

Website: https://www.cnbankpa.com

Employees: 460

Sector: Financial Services >> Banks - Regional

Description: Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.