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CZNC Stock Forecast 2025-2026
$20.25
Current Price
$360.55M
Market Cap
Buy 0
Hold 1
Sell 0
Wall St Analyst Ratings
Distance to CZNC Price Targets
+8.6%
To High Target of $22.00
+8.6%
To Median Target of $22.00
+8.6%
To Low Target of $22.00
CZNC Price Momentum
+0.4%
1 Week Change
+5.1%
1 Month Change
-1.2%
1 Year Change
+8.9%
Year-to-Date Change
-10.7%
From 52W High of $22.68
+13.4%
From 52W Low of $17.85
📊 TOP ANALYST CALLS
Did CZNC Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if Citizens & Northern is one of their latest high-conviction picks.
Latest CZNC Stock Price Targets & Analyst Predictions
Based on our analysis of 3 Wall Street analysts, CZNC has a neutral consensus with a median price target of $22.00 (ranging from $22.00 to $22.00). The overall analyst rating is N/A (N/A/10). Currently trading at $20.25, the median forecast implies a 8.6% upside. This outlook is supported by 0 Buy, 1 Hold, and 0 Sell ratings.
The most optimistic forecast comes from Gregory Zingone at Piper Sandler, projecting a 8.6% upside. Conversely, the most conservative target is provided by Gregory Zingone at Piper Sandler, suggesting a 8.6% upside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
CZNC Analyst Ratings
0
Buy
1
Hold
0
Sell
CZNC Price Target Range
Low
$22.00
Average
$22.00
High
$22.00
Current: $20.25
Latest CZNC Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for CZNC.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Oct 24, 2025 | Piper Sandler | Gregory Zingone | Neutral | Maintains | $22.00 |
| Jun 27, 2023 | Janney Montgomery Scott | Jake Civiello | Neutral | Initiates | $N/A |
| Apr 24, 2023 | Piper Sandler | Casey Orr Whitman | Neutral | Maintains | $21.00 |
| Nov 17, 2022 | Piper Sandler | Casey Orr Whitman | Neutral | Reinstates | $26.00 |
| Oct 27, 2020 | Piper Sandler | Casey Orr Whitman | Overweight | Maintains | $21.00 |
| Sep 28, 2020 | Piper Sandler | Casey Orr Whitman | Overweight | Upgrade | $20.00 |
Citizens & Northern Corporation (CZNC) Competitors
The following stocks are similar to Citizens & Northern based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
Citizens & Northern Corporation (CZNC) Financial Data
Citizens & Northern Corporation has a market capitalization of $360.55M with a P/E ratio of 11.6x. The company generates $109.63M in trailing twelve-month revenue with a 24.8% profit margin.
Revenue growth is +5.1% quarter-over-quarter, while maintaining an operating margin of +32.5% and return on equity of +9.5%.
Valuation Metrics
Market Cap
$360.55M
Enterprise Value
$411.66M
P/E Ratio
11.6x
PEG Ratio
4.7x
Price/Sales
3.3x
Growth & Margins
Revenue Growth (YoY)
+5.1%
Gross Margin
N/A
Operating Margin
+32.5%
Net Margin
+24.8%
EPS Growth
+2.9%
Financial Health
Cash/Price Ratio
+34.6%
Current Ratio
N/A
Debt/Equity
0.6x
ROE
+9.5%
ROA
+1.0%
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Citizens & Northern Corporation (CZNC) Business Model
About Citizens & Northern Corporation
What They Do
Provides comprehensive financial services through banking.
Business Model
Citizens & Northern Corporation operates as a bank holding company, generating revenue primarily through its subsidiary, Citizens & Northern Bank. The bank offers a range of financial services, including personal and business banking, wealth management, and lending solutions, catering to both retail and commercial customers in Pennsylvania and New York.
Additional Information
Founded in 1864, the corporation emphasizes personalized banking relationships and competitive interest rates. Its commitment to customer-centric service and local presence supports regional economic development, making it a vital player in the financial market.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
386
CEO
Mr. J. Bradley Scovill
Country
United States
IPO Year
1996
Website
www.cnbankpa.comCitizens & Northern Corporation (CZNC) Latest News & Analysis
Latest News
Quick Summary
Citizens & Northern (CZNC) may not meet earnings expectations in its upcoming report due to lacking key elements for an earnings beat.
Why It Matters
CZNC's potential earnings miss could negatively impact its stock price, signaling weaker financial health and affecting investor confidence and market perception.
Source: Zacks Investment Research
Market Sentiment:
Neutral
Best Income Stocks to Buy for September 15th
2 months ago
Quick Summary
CZNC, EMBC, and FFBC were ranked as Zacks Rank #1 (Strong Buy) income stocks on September 15, 2025.
Why It Matters
CZNC, EMBC, and FFBC being ranked as Strong Buy indicates strong performance potential, suggesting favorable investment opportunities for income-focused investors.
Source: Zacks Investment Research
Market Sentiment:
Positive
Best Income Stocks to Buy for September 5th
3 months ago
Quick Summary
CZNC, KT, and ORRF are ranked as Zacks Rank #1 (Strong Buy) income stocks as of September 5, 2025.
Why It Matters
CZNC, KT, and ORRF receiving a Zacks Rank #1 indicates strong potential for returns, signalling investor confidence and possible stock price appreciation.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Citizens & Northern (CZNC) experienced a significant share price increase with above-average trading volume. Earnings estimate revisions indicate potential future strength.
Why It Matters
CZNC's rising share price and increased trading volume indicate strong investor interest, while positive earnings estimate revisions suggest potential future growth, making it a stock to watch.
Source: Zacks Investment Research
Market Sentiment:
Positive
Best Income Stocks to Buy for August 15th
3 months ago
Quick Summary
TEN, CZNC, and NGG were added to the Zacks Rank #1 (Strong Buy) income stocks list on August 15, 2025.
Why It Matters
TEN, CZNC, and NGG being ranked as Strong Buy by Zacks signals strong potential for income and growth, attracting investor interest and potentially boosting stock prices.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Citizens & Northern (CZNC) reported quarterly earnings of $0.40 per share, missing the Zacks Consensus Estimate of $0.47. Earnings were unchanged from the same quarter last year.
Why It Matters
CZNC's earnings miss signals potential weakness in financial performance, which could impact investor confidence and stock valuation.
Source: Zacks Investment Research
Market Sentiment:
Negative
Frequently Asked Questions About CZNC Stock
What is Citizens & Northern Corporation's (CZNC) stock forecast for 2026?
Based on our analysis of 3 Wall Street analysts, Citizens & Northern Corporation (CZNC) has a median price target of $22.00. The highest price target is $22.00 and the lowest is $22.00.
Is CZNC stock a good investment in 2026?
According to current analyst ratings, CZNC has 0 Buy ratings, 1 Hold ratings, and 0 Sell ratings. The stock is currently trading at $20.25. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for CZNC stock?
Wall Street analysts predict CZNC stock could reach $22.00 in the next 12 months. This represents a 8.6% increase from the current price of $20.25. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Citizens & Northern Corporation's business model?
Citizens & Northern Corporation operates as a bank holding company, generating revenue primarily through its subsidiary, Citizens & Northern Bank. The bank offers a range of financial services, including personal and business banking, wealth management, and lending solutions, catering to both retail and commercial customers in Pennsylvania and New York.
What is the highest forecasted price for CZNC Citizens & Northern Corporation?
The highest price target for CZNC is $22.00 from Gregory Zingone at Piper Sandler, which represents a 8.6% increase from the current price of $20.25.
What is the lowest forecasted price for CZNC Citizens & Northern Corporation?
The lowest price target for CZNC is $22.00 from Gregory Zingone at Piper Sandler, which represents a 8.6% increase from the current price of $20.25.
What is the overall CZNC consensus from analysts for Citizens & Northern Corporation?
The overall analyst consensus for CZNC is neutral. Out of 3 Wall Street analysts, 0 rate it as Buy, 1 as Hold, and 0 as Sell, with a median price target of $22.00.
How accurate are CZNC stock price projections?
Stock price projections, including those for Citizens & Northern Corporation, are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: December 7, 2025 7:10 AM UTC