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Citizens & North
CZNC.US
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. Its 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. The company 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. It operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania.
642.38 B
CZNC.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Regional BanksIndustry
Industry Ranking205/305
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE9.42%B
    • Profit Margin24.75%A
    • Gross Margin0.00%E
  • Growth ScoreC
    • Revenue YoY7.59%B
    • Net Profit YoY23.02%B
    • Total Assets YoY-0.25%D
    • Net Assets YoY6.01%B
  • Cash ScoreC
    • Cash Flow Margin407.39%C
    • OCF YoY7.59%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

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Institutional View & Shareholder

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    News
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    Citizens & North | 10-Q: FY2025 Q3 Revenue: USD 40.95 M

    LB filings·
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    Citizens & Northern Corp (NASDAQ:CZNC) Announces Quarterly Dividend of $0.28

    Citizens & Northern Corp (NASDAQ:CZNC) announced a quarterly dividend of $0.28, payable on November 14th to investors of record on November 3rd. This dividend represents an annualized yield of 5.8%. The company has a dividend payout ratio of 56.0%, indicating earnings sufficiently cover the dividend. Analysts expect earnings of $2.02 per share next year, supporting the dividend sustainability. The stock traded up 1.0% to $19.44, with a market cap of $301.63 million and a price-to-earnings ratio of 11.11.

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    Citizens & North | 8-K: FY2025 Q3 Revenue: USD 40.95 M

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    Citizens & Northern Completes Merger with Susquehanna

    Citizens & Northern Corporation (CZNC) has completed its merger with Susquehanna Community Financial, integrating Susquehanna Community Bank into Citizens & Northern Bank as of October 1, 2025. This merger aims to enhance market presence in Central Pennsylvania and expand the customer base. Key executives from Susquehanna have joined C&N, ensuring a smooth transition. Analysts rate CZNC stock as a Buy with a $22.50 price target, citing strong financial performance and attractive valuation. Citizens & Northern operates 35 banking offices in Pennsylvania and New York and trades on NASDAQ under the symbol 'CZNC'.

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    Citizens & Northern Receives Approvals for Susquehanna Merger

    Citizens & Northern Corporation (CZNC) has received all regulatory and shareholder approvals for its merger with Susquehanna Community Financial, Inc., expected to close on October 1, 2025. This merger aims to enhance C&N's market presence, though it may pose integration challenges. Analysts rate CZNC stock as a Buy with a $22.50 target, citing strong financial performance and attractive valuation. Citizens & Northern operates 28 banking offices in Pennsylvania and New York, while Susquehanna has 7 offices in Pennsylvania.

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