Citizens & Northern Corporation
CZNCFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, Citizens & Northern Corporation focuses on Banks - Regional services and products. 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. With a market capitalization of $462.9M, it sits in small-cap territory. 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
$462.9M
Beta
0.39
P/E (TTM)
17.56
P/E (Fwd)
9.39
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
31.4%
Annual Financials
Cash vs Debt
Where CZNC stands vs its 150-day and 200-day moving averages
As of the August 24, 2026 close, CZNC finished 14.92% above its 150-day moving average ($22.45) and 18.73% above its 200-day moving average ($21.73). 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 August 24, 2026 close, CZNC's RSI(14) was 63.3, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $83.6M in cash, though total debt stands at $171.1M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. 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.
The relatively low beta of 0.39 suggests CZNC is a less volatile holding compared to the broader index. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Citizens & Northern Corporation's trajectory.