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CZNC Stock Forecast 2026-2027
$21.63
Current Price
$387.39M
Market Cap
Buy 0
Hold 1
Sell 0
Wall St Analyst Ratings
Distance to CZNC Price Targets
+15.6%
To High Target of $25.00
+15.6%
To Median Target of $25.00
+15.6%
To Low Target of $25.00
CZNC Price Momentum
-3.8%
1 Week Change
-9.5%
1 Month Change
+13.2%
1 Year Change
+7.2%
Year-to-Date Change
-10.3%
From 52W High of $24.12
+20.0%
From 52W Low of $18.02
📊 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 $25.00 (ranging from $25.00 to $25.00). The overall analyst rating is Buy (6.0/10). Currently trading at $21.63, the median forecast implies a 15.6% upside. This outlook is supported by 0 Buy, 1 Hold, and 0 Sell ratings.
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
$25.00
Average
$25.00
High
$25.00
Current: $21.63
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 |
|---|---|---|---|---|---|
| Jan 29, 2026 | Piper Sandler | Gregory Zingone | Neutral | Maintains | $23.50 |
| 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.
CZNC
Citizens & Northern
mkt cap
402.62M
Citizens & Northern Corporation (CZNC) Financial Data
Citizens & Northern Corporation has a market capitalization of $387.39M with a P/E ratio of 20.2x. The company generates $112.93M in trailing twelve-month revenue with a 15.4% profit margin.
Revenue growth is -13.8% quarter-over-quarter, while maintaining an operating margin of +1.5% and return on equity of +5.6%.
Valuation Metrics
Market Cap
$387.39M
Enterprise Value
$528.33M
P/E Ratio
20.2x
PEG Ratio
-0.2x
Price/Sales
3.4x
Growth & Margins
Revenue Growth (YoY)
-13.8%
Gross Margin
N/A
Operating Margin
+1.5%
Net Margin
+15.4%
EPS Growth
-95.7%
Financial Health
Cash/Price Ratio
+14.1%
Current Ratio
N/A
Debt/Equity
0.6x
ROE
+5.6%
ROA
+0.6%
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Citizens & Northern Corporation (CZNC) Business Model
About Citizens & Northern Corporation
What They Do
A bank holding company offering diverse financial services.
Business Model
Citizens & Northern Corporation operates through its subsidiary, Citizens & Northern Bank, providing personal and business banking, wealth management, and lending solutions. The company generates revenue primarily through interest income from loans and fees from various financial services.
Additional Information
Founded in 1864, the corporation emphasizes personalized relationship banking and competitive interest rates. It serves communities in Pennsylvania and New York, contributing to regional economic development by supporting both retail and commercial customers with essential financial instruments.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
460
CEO
Mr. J. Bradley Scovill
Country
United States
IPO Year
1996
Website
www.cnbankpa.comCitizens & Northern Corporation (CZNC) Latest News & Analysis
Featured Analysis
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May 01, 2026
By Zacks Equity Research
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Latest News
Quick Summary
Camden National (CAC) reported Q3 earnings of $1.29 per share, surpassing the Zacks Consensus Estimate of $1.26 and up from $0.95 per share year-over-year.
Why It Matters
Camden National's earnings beat expectations and show significant year-over-year growth, indicating strong financial performance and potentially boosting investor confidence and stock value.
Source: Zacks Investment Research
Market Sentiment:
Positive
Citizens & Northern Corporation (CZNC) Shareholder/Analyst Call Prepared Remarks Transcript
15 days ago
Quick Summary
Citizens & Northern Corporation (CZNC) held a shareholder/analyst call to discuss financial performance and outlook. Details of the remarks are available in the transcript.
Why It Matters
The shareholder/analyst call provides insights into CZNC's financial performance, strategic direction, and future outlook, influencing investment decisions and stock valuation.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
Citizens & Northern (CZNC) shows signs of support with a hammer chart pattern, and Wall Street analysts are raising earnings estimates, suggesting potential for a near-term turnaround.
Why It Matters
CZNC's hammer chart pattern suggests a potential price reversal, while upgraded earnings estimates from analysts indicate improved financial outlook, signaling possible gains for shareholders.
Source: Zacks Investment Research
Market Sentiment:
Positive
Best Income Stocks to Buy for March 2nd
2 months ago
Quick Summary
CZNC, UCB, and CRI are rated as Zacks Rank #1 (Strong Buy) income stocks as of March 2, 2026.
Why It Matters
CZNC, UCB, and CRI being ranked as Strong Buy indicates strong performance potential and favorable market conditions, attracting investor interest for income-focused portfolios.
Source: Zacks Investment Research
Market Sentiment:
Positive
Best Income Stocks to Buy for February 6th
3 months ago
Quick Summary
JOYY, WASH, and CZNC were ranked as Zacks Rank #1 (Strong Buy) income stocks on February 6, 2026.
Why It Matters
JOYY, WASH, and CZNC being ranked as Strong Buy by Zacks indicates strong potential for growth and income, signaling positive investment opportunities for risk-aware investors.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Citizens & Northern (CZNC) is expected to report earnings that may exceed forecasts, supported by favorable conditions. Investors should stay informed for the upcoming report.
Why It Matters
CZNC's potential earnings beat could boost investor confidence, drive stock price upward, and signal strong management performance, impacting overall market sentiment in the sector.
Source: Zacks Investment Research
Market Sentiment:
Positive
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 $25.00. The highest price target is $25.00 and the lowest is $25.00.
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 $21.63. 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 $25.00 in the next 12 months. This represents a 15.6% increase from the current price of $21.63. 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 through its subsidiary, Citizens & Northern Bank, providing personal and business banking, wealth management, and lending solutions. The company generates revenue primarily through interest income from loans and fees from various financial services.
What is the highest forecasted price for CZNC Citizens & Northern Corporation?
The highest price target for CZNC is $25.00 from at , which represents a 15.6% increase from the current price of $21.63.
What is the lowest forecasted price for CZNC Citizens & Northern Corporation?
The lowest price target for CZNC is $25.00 from at , which represents a 15.6% increase from the current price of $21.63.
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 $25.00.
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: May 9, 2026 5:48 AM UTC