CZNCFinancial Services · Banks - RegionalThe 1 Wall Street analysts covering Citizens & Northern Corp. hold a median 12-month price target of $27 — -3.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 71 of 100 as at 31 Oct 2026 — in the upper half. The factors read stronger than the Street's target implies. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores Citizens & Northern Corp. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Momentum (94): The shares have been drifting up relative to others.
Accruals (16): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on CZNC, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits −3.7% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 29 Jan 2026 | Piper Sandler | Maintains | Neutral | $23 → $24 |
| 24 Oct 2025 | Piper Sandler | Maintains | Neutral | — |
| 27 June 2023 | Janney Montgomery Scott | Initiates | Neutral | — |
| 24 Apr 2023 | Piper Sandler | Maintains | Neutral | — |
| 17 Nov 2022 | Piper Sandler | Reinstates | Neutral | $26 |
| 27 Oct 2020 | Piper Sandler | Maintains | Overweight | — |
| 28 Sept 2020 | Piper Sandler | Upgrade | Overweight | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
CZNC appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 30 Oct 2026, Citizens & Northern Corp. returned +51.3% against +12.4% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 47% of US stocks
Cheaper than 33% of US stocks
Cheaper than 54% of US stocks
Higher than 87% of US stocks
Higher than 87% of US stocks
Higher than 95% of US stocks
Higher than 85% of US stocks
Higher than 65% of US stocks
Higher than 52% of US stocks
Higher than 92% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Citizens & Northern Corp. has a market value of $502.7M and an enterprise value of $566.6M.
Revenue in the twelve months to 30 June 2026: $140.3M. The latest quarter grew 55.9% year on year.
Net income over the same four quarters: $25.3M, a 18.1% net margin.
Diluted earnings per share, trailing twelve months: $1.48.
Free cash flow in the twelve months to 30 June 2026: $44.8M.
Citizens & Northern Corp. spent $220K on share buybacks and $17.6M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 14.3×; forward P/E: 10.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 4.29%, paying out 76% of earnings.
Citizens & Northern Corp. employs 460 people — $305K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| CZNCCitizens & Northern Corp. | $502.7M | 71 |
| FMAOFarmers & Merchants Bancorp, Inc. (Ohio) | $501.6M | 85 |
| WTBAWest Bancorporation, Inc. | $506.7M | 88 |
| PBAMPrivate Bancorp of America, Inc. | $489.0M | 87 |
| FRBAFirst Bank (Hamilton, New Jersey) | $488.1M | 84 |
| OBTOrange County Bancorp, Inc. | $518.8M | 91 |
| NRIMNorthrim BanCorp, Inc. | $530.5M | 53 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Citizens & Northern Corp. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Citizens & Northern (CZNC) received an upgrade to Zacks Rank #2 (Buy). The source says the upgrade reflects growing optimism about the company's earnings prospects.
Why it matters — CZNC watchers may note the change in Zacks’ assessment of the company’s earnings outlook.
Citizens & Northern (CZNC) reported quarterly earnings of $0.79 per share, exceeding the Zacks Consensus Estimate of $0.63 per share. This compares to earnings of $0.40 per share a year ago.
Why it matters — CZNC watchers would note that the company's quarterly earnings came in well above analyst expectations and nearly doubled from the prior-year period.
The 1 Wall Street analysts covering Citizens & Northern Corp. have a median 12-month price target of $27, with estimates ranging from $27 to $27. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 1 analysts covering Citizens & Northern Corp., 0 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Citizens & Northern Corp. 71 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 31 Oct 2026, Citizens & Northern Corp. ranks 71 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (94 of 100).
No one can know that. What the data says: the median 12-month target from 1 analysts implies -3.7% from the last close, and Ticker Nerd's factor model ranks Citizens & Northern Corp. 71 out of 100 as at 31 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Citizens & Northern Corp. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CZNC are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $27 to $27 over the next 12 months.
Citizens & Northern Corp. returned +51.3% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Citizens & Northern Corporation is a bank holding company focused on community banking and related financial services. Citizens & Northern Corporation provides deposit accounts, commercial and consumer lending, mortgage banking, and treasury-focused solutions for individual, business, and municipal customers.
The most recent item we track (Zacks Investment Research, 30 Oct 2026): "Citizens & Northern (CZNC) Upgraded to Buy: What Does It Mean for the Stock?". Citizens & Northern (CZNC) received an upgrade to Zacks Rank #2 (Buy). The source says the upgrade reflects growing optimism about the company's earnings prospects.
Citizens & Northern Corporation is a bank holding company focused on community banking and related financial services. Citizens & Northern Corporation provides deposit accounts, commercial and consumer lending, mortgage banking, and treasury-focused solutions for individual, business, and municipal customers. Through its banking and wealth management operations, it also offers trust administration, retirement planning, estate services, investment management, and insurance products. The company serves customers across north central Pennsylvania and selected areas of southern New York, with an emphasis on relationship-based banking for local households and small to mid-sized businesses. Citizens & Northern Corporation plays a regional role in the financial market by combining traditional banking products with advisory and fiduciary services through its subsidiary network.
CEO Mr. J. Bradley Scovill · 460 employees · United States · https://www.cnbankpa.com
