Citizens & Northern Corporation
CZNCFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
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Daily timeframePart of the financial services sector, Citizens & Northern Corporation (CZNC) is listed under Banks - Regional. The company carries a $497.7M market cap, placing it firmly in the small-cap category. 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.
Market Cap
$497.7M
Beta
0.40
P/E (TTM)
18.88
P/E (Fwd)
10.09
EPS (TTM)
$1.47
EPS (Fwd)
$2.75
ROE
8.0%
ROA
0.9%
Cash
$83.6M
Total Debt
$171.1M
Free CF
—
52W Change
42.5%
Annual Financials
Cash vs Debt
Where CZNC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, CZNC finished 8.60% above its 150-day moving average ($23.38) and 10.68% above its 200-day moving average ($22.94). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CZNC overbought or oversold?
At the October 20, 2026 close, CZNC's RSI(14) was 52.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Citizens & Northern Corporation carries $171.1M in total debt against $83.6M in cash reserves — debt is roughly 2.0x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 8.0% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $106.0M to $120.8M.
With a beta below 0.7, Citizens & Northern Corporation typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. No single metric tells the full story. Reviewing CZNC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.