Citizens & Northern Corp (CZNC)

Last Closing Price: 21.19 (2026-05-21)

Profile
Ticker
CZNC
Security Name
Citizens & Northern Corp
Exchange
NASDAQ
Sector
Financial Services
Industry
Banks - Regional
Free Float
17,071,000
Market Capitalization
376,250,000
Average Volume (Last 20 Days)
40,643
Beta (Past 60 Months)
0.44
Percentage Held By Insiders (Latest Annual Proxy Report)
4.72
Percentage Held By Institutions (Latest 13F Reports)
30.83
Recent Price/Volume
Closing Price
21.19
Opening Price
20.86
High Price
21.27
Low Price
20.68
Volume
39,200
Previous Closing Price
21.00
Previous Opening Price
20.52
Previous High Price
21.41
Previous Low Price
20.52
Previous Volume
44,500
High/Low Price
52-Week High Price
23.81
26-Week High Price
23.81
13-Week High Price
23.69
4-Week High Price
23.41
2-Week High Price
21.82
1-Week High Price
21.43
52-Week Low Price
17.06
26-Week Low Price
18.53
13-Week Low Price
20.20
4-Week Low Price
20.20
2-Week Low Price
20.20
1-Week Low Price
20.20
High/Low Volume
52-Week High Volume
430,000
26-Week High Volume
430,000
13-Week High Volume
120,000
4-Week High Volume
80,000
2-Week High Volume
80,000
1-Week High Volume
80,000
52-Week Low Volume
14,500
26-Week Low Volume
16,400
13-Week Low Volume
17,600
4-Week Low Volume
17,600
2-Week Low Volume
22,800
1-Week Low Volume
38,300
Money Flow
Total Money Flow, Past 52 Weeks
224,069,355
Total Money Flow, Past 26 Weeks
133,271,683
Total Money Flow, Past 13 Weeks
58,310,704
Total Money Flow, Past 4 Weeks
16,694,113
Total Money Flow, Past 2 Weeks
9,487,317
Total Money Flow, Past Week
5,451,294
Total Money Flow, 1 Day
825,095
Total Volume
Total Volume, Past 52 Weeks
11,101,900
Total Volume, Past 26 Weeks
6,205,600
Total Volume, Past 13 Weeks
2,646,800
Total Volume, Past 4 Weeks
780,700
Total Volume, Past 2 Weeks
455,600
Total Volume, Past Week
263,500
Percent Change in Price
Percent Change in Price, Past 52 Weeks
17.87
Percent Change in Price, Past 26 Weeks
14.07
Percent Change in Price, Past 13 Weeks
-8.93
Percent Change in Price, Past 4 Weeks
-6.67
Percent Change in Price, Past 2 Weeks
-2.71
Percent Change in Price, Past Week
2.07
Percent Change in Price, 1 Day
0.90
New High/Low in Price
Reached New 52-Week High Price
False
Reached New 26-Week High Price
False
Reached New 13-Week High Price
False
Reached New 4-Week High Price
False
Reached New 2-Week High Price
False
Reached New 1-Week High Price
False
Reached New 52-Week Low Price
False
Reached New 26-Week Low Price
False
Reached New 13-Week Low Price
False
Reached New 4-Week Low Price
False
Reached New 2-Week Low Price
False
Reached New 1-Week Low Price
False
Consecutive Days/Weeks of Increasing/Decreasing Price
Consecutive Days of Increasing Price
2
Consecutive Weeks of Increasing Price
1
Consecutive Days of Decreasing Price
0
Consecutive Weeks of Decreasing Price
0
Consecutive Days/Weeks of Increasing/Decreasing Volume
Consecutive Days of Increasing Volume
0
Consecutive Weeks of Increasing Volume
1
Consecutive Days of Decreasing Volume
2
Consecutive Weeks of Decreasing Volume
0
New High/Low in Volume
Had New 52-Week High Volume
False
Had New 26-Week High Volume
False
Had New 13-Week High Volume
False
Had New 4-Week High Volume
False
Had New 2-Week High Volume
False
Had New 1-Week High Volume
False
Had New 52-Week Low Volume
False
Had New 26-Week Low Volume
False
Had New 13-Week Low Volume
False
Had New 4-Week Low Volume
False
Had New 2-Week Low Volume
False
Had New 1-Week Low Volume
False
Moving Averages
Simple Moving Average (5-Day)
20.71
Simple Moving Average (10-Day)
20.87
Simple Moving Average (20-Day)
21.57
Simple Moving Average (50-Day)
22.03
Simple Moving Average (100-Day)
21.89
Simple Moving Average (200-Day)
20.55
Previous Simple Moving Average (5-Day)
20.62
Previous Simple Moving Average (10-Day)
20.93
Previous Simple Moving Average (20-Day)
21.64
Previous Simple Moving Average (50-Day)
22.04
Previous Simple Moving Average (100-Day)
21.87
Previous Simple Moving Average (200-Day)
20.53
Technical Indicators
MACD (12, 26, 9)
-0.47
MACD (12, 26, 9) Signal
-0.42
Previous MACD (12, 26, 9)
-0.51
Previous MACD (12, 26, 9) Signal
-0.41
RSI (14-Day)
44.44
Previous RSI (14-Day)
41.56
Stochastic (14, 3, 3) %K
33.25
Stochastic (14, 3, 3) %D
21.31
Previous Stochastic (14, 3, 3) %K
21.20
Previous Stochastic (14, 3, 3) %D
12.88
Upper Bollinger Band (20, 2)
23.28
Lower Bollinger Band (20, 2)
19.86
Previous Upper Bollinger Band (20, 2)
23.41
Previous Lower Bollinger Band (20, 2)
19.87
Income Statement Financials
Quarterly Revenue (MRQ)
48,783,000
Quarterly Net Income (MRQ)
273,000
Previous Quarterly Revenue (QoQ)
49,802,000
Previous Quarterly Revenue (YoY)
38,717,000
Previous Quarterly Net Income (QoQ)
4,437,000
Previous Quarterly Net Income (YoY)
6,242,000
Revenue (MRY)
170,069,000
Net Income (MRY)
23,245,000
Previous Annual Revenue
157,287,000
Previous Net Income
25,747,000
Cost of Goods Sold (MRY)
47,364,000
Gross Profit (MRY)
122,705,000
Operating Expenses (MRY)
141,426,000
Operating Income (MRY)
28,643,000
Non-Operating Income/Expense (MRY)
Pre-Tax Income (MRY)
28,643,000
Normalized Pre-Tax Income (MRY)
28,643,000
Income after Taxes (MRY)
23,427,000
Income from Continuous Operations (MRY)
23,427,000
Consolidated Net Income/Loss (MRY)
23,427,000
Normalized Income after Taxes (MRY)
23,427,000
EBIT (MRY)
EBITDA (MRY)
Balance Sheet Financials
Current Assets (MRQ)
2,417,717,000
Property, Plant, and Equipment (MRQ)
27,256,000
Long-Term Assets (MRQ)
746,623,000
Total Assets (MRQ)
3,164,340,000
Current Liabilities (MRQ)
2,649,320,000
Long-Term Debt (MRQ)
179,456,000
Long-Term Liabilities (MRQ)
179,456,000
Total Liabilities (MRQ)
2,828,776,000
Common Equity (MRQ)
335,564,000
Tangible Shareholders Equity (MRQ)
261,495,200
Shareholders Equity (MRQ)
335,564,000
Common Shares Outstanding (MRQ)
17,910,000
Cash Flow Statement Financials
Cash Flow from Operating Activities (MRY)
32,003,000
Cash Flow from Investing Activities (MRY)
196,000
Cash Flow from Financial Activities (MRY)
-111,067,000
Beginning Cash (MRY)
123,574,000
End Cash (MRY)
44,706,000
Increase/Decrease in Cash (MRY)
-78,868,000
Fundamental Ratios
PE Ratio (Current Year Earnings Estimate)
10.66
PE Ratio (Trailing 12 Months)
14.48
PEG Ratio (Long Term Growth Estimate)
Price to Sales Ratio (Trailing 12 Months)
2.09
Price to Book Ratio (Most Recent Quarterly Book Value per Share)
1.12
Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
11.20
Pre-Tax Margin (Trailing 12 Months)
11.81
Net Margin (Trailing 12 Months)
9.67
Return on Equity (Trailing 12 Months)
7.47
Return on Assets (Trailing 12 Months)
0.81
Current Ratio (Most Recent Fiscal Quarter)
0.91
Quick Ratio (Most Recent Fiscal Quarter)
0.91
Debt to Common Equity (Most Recent Fiscal Quarter)
0.53
Inventory Turnover (Trailing 12 Months)
Book Value per Share (Most Recent Fiscal Quarter)
18.73
Earnings
Fiscal Period End, Next Quarterly Earnings Report
2026-06-30
Quarterly Earnings per Share Estimate
0.63
Next Expected Quarterly Earnings Report Date
2026-08-14
Days Until Next Expected Quarterly Earnings Report
84
Fiscal Period End, Last Quarterly Earnings Report
2026-03-31
Last Quarterly Earnings per Share Estimate
0.58
Last Quarterly Earnings per Share
0.02
Last Quarterly Earnings Report Date
2026-05-08
Days Since Last Quarterly Earnings Report
14
Earnings per Share (Most Recent Fiscal Year)
1.85
Diluted Earnings per Share (Trailing 12 Months)
1.09
Dividends
Last Dividend Date
2026-05-04
Last Dividend Amount
0.28
Days Since Last Dividend
18
Annual Dividend (Based on Last Quarter)
1.12
Dividend Yield (Based on Last Quarter)
5.33
Percent Growth in Revenue/Net Income
Percent Growth in Quarterly Revenue (QoQ)
-2.05
Percent Growth in Quarterly Revenue (YoY)
26.00
Percent Growth in Annual Revenue
8.13
Percent Growth in Quarterly Net Income (QoQ)
-93.85
Percent Growth in Quarterly Net Income (YoY)
-95.63
Percent Growth in Annual Net Income
-9.72
New High/Low in Revenue/Net Income
New 5-Year High Annual Revenue
True
New 5-Year Low Annual Revenue
False
New 5-Year High Quarterly Revenue (QoQ)
False
New 5-Year Low Quarterly Revenue (QoQ)
False
New 5-Year High Quarterly Revenue (YoY)
True
New 5-Year Low Quarterly Revenue (YoY)
False
New 5-Year High Annual Net Income
False
New 5-Year Low Annual Net Income
True
New 5-Year High Quarterly Net Income (QoQ)
False
New 5-Year Low Quarterly Net Income (QoQ)
True
New 5-Year High Quarterly Net Income (YoY)
False
New 5-Year Low Quarterly Net Income (YoY)
True
Consecutive Quarters/Years of Increasing/Decreasing Revenue/Net Income
Consecutive Quarters of Increasing Revenue (QoQ)
0
Consecutive Quarters of Decreasing Revenue (QoQ)
1
Consecutive Quarters of Increasing Revenue (YoY)
16
Consecutive Quarters of Decreasing Revenue (YoY)
0
Consecutive Years of Increasing Revenue
9
Consecutive Years of Decreasing Revenue
0
Consecutive Quarters of Increasing Net Income (QoQ)
0
Consecutive Quarters of Decreasing Net Income (QoQ)
2
Consecutive Quarters of Increasing Net Income (YoY)
0
Consecutive Quarters of Decreasing Net Income (YoY)
2
Consecutive Years of Increasing Net Income
0
Consecutive Years of Decreasing Net Income
1
Splits
Last Split Date (if within past year)
Last Split Ratio (if within past year)
Days Since Last Split (if within past year)
Volatility Metrics
Historical Volatility (Close-to-Close) (10-Day)
0.2509
Historical Volatility (Close-to-Close) (20-Day)
0.2568
Historical Volatility (Close-to-Close) (30-Day)
0.2784
Historical Volatility (Close-to-Close) (60-Day)
0.2417
Historical Volatility (Close-to-Close) (90-Day)
0.2425
Historical Volatility (Close-to-Close) (120-Day)
0.2487
Historical Volatility (Close-to-Close) (150-Day)
0.2463
Historical Volatility (Close-to-Close) (180-Day)
0.2425
Historical Volatility (Parkinson) (10-Day)
0.3068
Historical Volatility (Parkinson) (20-Day)
0.2744
Historical Volatility (Parkinson) (30-Day)
0.2560
Historical Volatility (Parkinson) (60-Day)
0.2326
Historical Volatility (Parkinson) (90-Day)
0.2416
Historical Volatility (Parkinson) (120-Day)
0.2484
Historical Volatility (Parkinson) (150-Day)
0.2471
Historical Volatility (Parkinson) (180-Day)
0.2448
Implied Volatility (Calls) (10-Day)
0.5134
Implied Volatility (Calls) (20-Day)
0.5134
Implied Volatility (Calls) (30-Day)
0.5235
Implied Volatility (Calls) (60-Day)
0.6472
Implied Volatility (Calls) (90-Day)
0.5129
Implied Volatility (Calls) (120-Day)
0.3789
Implied Volatility (Calls) (150-Day)
0.3642
Implied Volatility (Calls) (180-Day)
0.3493
Implied Volatility (Puts) (10-Day)
0.6839
Implied Volatility (Puts) (20-Day)
0.6839
Implied Volatility (Puts) (30-Day)
0.6876
Implied Volatility (Puts) (60-Day)
0.7211
Implied Volatility (Puts) (90-Day)
0.5517
Implied Volatility (Puts) (120-Day)
0.3821
Implied Volatility (Puts) (150-Day)
0.3875
Implied Volatility (Puts) (180-Day)
0.3932
Implied Volatility (Mean) (10-Day)
0.5986
Implied Volatility (Mean) (20-Day)
0.5986
Implied Volatility (Mean) (30-Day)
0.6056
Implied Volatility (Mean) (60-Day)
0.6841
Implied Volatility (Mean) (90-Day)
0.5323
Implied Volatility (Mean) (120-Day)
0.3805
Implied Volatility (Mean) (150-Day)
0.3758
Implied Volatility (Mean) (180-Day)
0.3713
Put-Call Implied Volatility Ratio (10-Day)
1.3321
Put-Call Implied Volatility Ratio (20-Day)
1.3321
Put-Call Implied Volatility Ratio (30-Day)
1.3134
Put-Call Implied Volatility Ratio (60-Day)
1.1143
Put-Call Implied Volatility Ratio (90-Day)
1.0757
Put-Call Implied Volatility Ratio (120-Day)
1.0085
Put-Call Implied Volatility Ratio (150-Day)
1.0637
Put-Call Implied Volatility Ratio (180-Day)
1.1258
Implied Volatility Skew (10-Day)
0.1692
Implied Volatility Skew (20-Day)
0.1692
Implied Volatility Skew (30-Day)
Implied Volatility Skew (60-Day)
Implied Volatility Skew (90-Day)
Implied Volatility Skew (120-Day)
0.0762
Implied Volatility Skew (150-Day)
0.0831
Implied Volatility Skew (180-Day)
0.0896
Option Statistics
Put-Call Ratio (Volume) (10-Day)
Put-Call Ratio (Volume) (20-Day)
Put-Call Ratio (Volume) (30-Day)
Put-Call Ratio (Volume) (60-Day)
Put-Call Ratio (Volume) (90-Day)
Put-Call Ratio (Volume) (120-Day)
Put-Call Ratio (Volume) (150-Day)
Put-Call Ratio (Volume) (180-Day)
Put-Call Ratio (Open Interest) (10-Day)
0.0491
Put-Call Ratio (Open Interest) (20-Day)
0.0491
Put-Call Ratio (Open Interest) (30-Day)
0.0457
Put-Call Ratio (Open Interest) (60-Day)
0.0008
Put-Call Ratio (Open Interest) (90-Day)
0.0087
Put-Call Ratio (Open Interest) (120-Day)
0.0167
Put-Call Ratio (Open Interest) (150-Day)
0.0112
Put-Call Ratio (Open Interest) (180-Day)
0.0057
Percentiles Within Industry of Price Performance
Percentile Within Industry, Percent Change in Price, Past 52 Weeks
27.50
Percentile Within Industry, Percent Change in Price, Past 26 Weeks
32.81
Percentile Within Industry, Percent Change in Price, Past 13 Weeks
9.38
Percentile Within Industry, Percent Change in Price, Past 4 Weeks
6.56
Percentile Within Industry, Percent Change in Price, Past 2 Weeks
15.62
Percentile Within Industry, Percent Change in Price, Past Week
48.44
Percentile Within Industry, Percent Change in Price, 1 Day
75.94
Percentiles Within Industry of Revenue/Net Income Growth
Percentile Within Industry, Percent Growth in Quarterly Revenue (QoQ)
49.84
Percentile Within Industry, Percent Growth in Quarterly Revenue (YoY)
88.64
Percentile Within Industry, Percent Growth in Annual Revenue
63.52
Percentile Within Industry, Percent Growth in Quarterly Net Income (QoQ)
1.94
Percentile Within Industry, Percent Growth in Quarterly Net Income (YoY)
1.26
Percentile Within Industry, Percent Growth in Annual Net Income
12.89
Percentiles Within Industry of Fundamental Ratios and Percentages
Percentile Within Industry, PE Ratio (Current Year Earnings Estimate)
52.03
Percentile Within Industry, PE Ratio (Trailing 12 Months)
81.06
Percentile Within Industry, PEG Ratio (Long Term Growth Estimate)
Percentile Within Industry, Price to Sales Ratio (Trailing 12 Months)
40.69
Percentile Within Industry, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
47.48
Percentile Within Industry, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
54.55
Percentile Within Industry, Pre-Tax Margin (Trailing 12 Months)
15.09
Percentile Within Industry, Net Margin (Trailing 12 Months)
16.72
Percentile Within Industry, Return on Equity (Trailing 12 Months)
19.30
Percentile Within Industry, Return on Assets (Trailing 12 Months)
21.52
Percentile Within Industry, Current Ratio (Most Recent Fiscal Quarter)
39.94
Percentile Within Industry, Quick Ratio (Most Recent Fiscal Quarter)
42.59
Percentile Within Industry, Debt to Common Equity (Most Recent Fiscal Quarter)
73.90
Percentile Within Industry, Inventory Turnover (Trailing 12 Months)
Percentile Within Industry, Dividend Yield (Based on Last Quarter)
95.00
Percentile Within Industry, Percentage Held By Insiders (Latest Annual Proxy Report)
43.46
Percentile Within Industry, Percentage Held By Institutions (Latest 13F Reports)
24.76
Percentiles Within Sector of Price Performance
Percentile Within Sector, Percent Change in Price, Past 52 Weeks
51.04
Percentile Within Sector, Percent Change in Price, Past 26 Weeks
54.63
Percentile Within Sector, Percent Change in Price, Past 13 Weeks
17.98
Percentile Within Sector, Percent Change in Price, Past 4 Weeks
16.87
Percentile Within Sector, Percent Change in Price, Past 2 Weeks
24.76
Percentile Within Sector, Percent Change in Price, Past Week
59.61
Percentile Within Sector, Percent Change in Price, 1 Day
71.23
Percentiles Within Sector of Revenue/Net Income Growth
Percentile Within Sector, Percent Growth in Quarterly Revenue (QoQ)
48.02
Percentile Within Sector, Percent Growth in Quarterly Revenue (YoY)
83.14
Percentile Within Sector, Percent Growth in Annual Revenue
57.02
Percentile Within Sector, Percent Growth in Quarterly Net Income (QoQ)
8.28
Percentile Within Sector, Percent Growth in Quarterly Net Income (YoY)
9.66
Percentile Within Sector, Percent Growth in Annual Net Income
24.30
Percentiles Within Sector of Fundamental Ratios and Percentages
Percentile Within Sector, PE Ratio (Current Year Earnings Estimate)
49.14
Percentile Within Sector, PE Ratio (Trailing 12 Months)
74.31
Percentile Within Sector, PEG Ratio (Long Term Growth Estimate)
Percentile Within Sector, Price to Sales Ratio (Trailing 12 Months)
46.37
Percentile Within Sector, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
42.37
Percentile Within Sector, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
57.21
Percentile Within Sector, Pre-Tax Margin (Trailing 12 Months)
29.59
Percentile Within Sector, Net Margin (Trailing 12 Months)
30.65
Percentile Within Sector, Return on Equity (Trailing 12 Months)
22.26
Percentile Within Sector, Return on Assets (Trailing 12 Months)
22.71
Percentile Within Sector, Current Ratio (Most Recent Fiscal Quarter)
40.03
Percentile Within Sector, Quick Ratio (Most Recent Fiscal Quarter)
41.55
Percentile Within Sector, Debt to Common Equity (Most Recent Fiscal Quarter)
69.11
Percentile Within Sector, Inventory Turnover (Trailing 12 Months)
Percentile Within Sector, Dividend Yield (Based on Last Quarter)
88.80
Percentile Within Sector, Percentage Held By Insiders (Latest Annual Proxy Report)
47.21
Percentile Within Sector, Percentage Held By Institutions (Latest 13F Reports)
29.99
Percentiles Within Market of Price Performance
Percentile Within Market, Percent Change in Price, Past 52 Weeks
57.56
Percentile Within Market, Percent Change in Price, Past 26 Weeks
64.26
Percentile Within Market, Percent Change in Price, Past 13 Weeks
20.90
Percentile Within Market, Percent Change in Price, Past 4 Weeks
18.15
Percentile Within Market, Percent Change in Price, Past 2 Weeks
26.99
Percentile Within Market, Percent Change in Price, Past Week
81.15
Percentile Within Market, Percent Change in Price, 1 Day
72.80
Percentiles Within Market of Revenue/Net Income Growth
Percentile Within Market, Percent Growth in Quarterly Revenue (QoQ)
43.33
Percentile Within Market, Percent Growth in Quarterly Revenue (YoY)
79.67
Percentile Within Market, Percent Growth in Annual Revenue
56.53
Percentile Within Market, Percent Growth in Quarterly Net Income (QoQ)
15.60
Percentile Within Market, Percent Growth in Quarterly Net Income (YoY)
16.88
Percentile Within Market, Percent Growth in Annual Net Income
40.35
Percentiles Within Market of Fundamental Ratios and Percentages
Percentile Within Market, PE Ratio (Current Year Earnings Estimate)
26.25
Percentile Within Market, PE Ratio (Trailing 12 Months)
42.92
Percentile Within Market, PEG Ratio (Long Term Growth Estimate)
Percentile Within Market, Price to Sales Ratio (Trailing 12 Months)
51.53
Percentile Within Market, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
29.96
Percentile Within Market, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
50.13
Percentile Within Market, Pre-Tax Margin (Trailing 12 Months)
66.38
Percentile Within Market, Net Margin (Trailing 12 Months)
65.24
Percentile Within Market, Return on Equity (Trailing 12 Months)
51.44
Percentile Within Market, Return on Assets (Trailing 12 Months)
41.99
Percentile Within Market, Current Ratio (Most Recent Fiscal Quarter)
20.43
Percentile Within Market, Quick Ratio (Most Recent Fiscal Quarter)
29.46
Percentile Within Market, Debt to Common Equity (Most Recent Fiscal Quarter)
66.28
Percentile Within Market, Inventory Turnover (Trailing 12 Months)
Percentile Within Market, Dividend Yield (Based on Last Quarter)
92.73
Percentile Within Market, Percentage Held By Insiders (Latest Annual Proxy Report)
47.04
Percentile Within Market, Percentage Held By Institutions (Latest 13F Reports)
33.13