Citizens & Northern Corp (CZNC)

Last Closing Price: 20.02 (2025-09-12)

Profile
Ticker
CZNC
Security Name
Citizens & Northern Corp
Exchange
NASDAQ
Sector
Financial Services
Industry
Banks - Regional
Free Float
14,818,000
Market Capitalization
313,710,000
Average Volume (Last 20 Days)
28,114
Beta (Past 60 Months)
0.58
Percentage Held By Insiders (Latest Annual Proxy Report)
4.49
Percentage Held By Institutions (Latest 13F Reports)
30.83
Recent Price/Volume
Closing Price
20.02
Opening Price
19.97
High Price
20.11
Low Price
19.91
Volume
15,700
Previous Closing Price
20.22
Previous Opening Price
19.82
Previous High Price
20.45
Previous Low Price
19.82
Previous Volume
26,200
High/Low Price
52-Week High Price
21.73
26-Week High Price
20.70
13-Week High Price
20.70
4-Week High Price
20.70
2-Week High Price
20.70
1-Week High Price
20.45
52-Week Low Price
17.10
26-Week Low Price
17.54
13-Week Low Price
18.00
4-Week Low Price
19.06
2-Week Low Price
19.78
1-Week Low Price
19.78
High/Low Volume
52-Week High Volume
330,000
26-Week High Volume
330,000
13-Week High Volume
330,000
4-Week High Volume
83,000
2-Week High Volume
35,500
1-Week High Volume
28,700
52-Week Low Volume
7,000
26-Week Low Volume
11,700
13-Week Low Volume
14,500
4-Week Low Volume
14,500
2-Week Low Volume
14,500
1-Week Low Volume
14,500
Money Flow
Total Money Flow, Past 52 Weeks
153,718,819
Total Money Flow, Past 26 Weeks
79,465,584
Total Money Flow, Past 13 Weeks
43,664,861
Total Money Flow, Past 4 Weeks
10,397,875
Total Money Flow, Past 2 Weeks
4,035,890
Total Money Flow, Past Week
2,003,896
Total Money Flow, 1 Day
314,236
Total Volume
Total Volume, Past 52 Weeks
8,047,100
Total Volume, Past 26 Weeks
4,189,600
Total Volume, Past 13 Weeks
2,279,600
Total Volume, Past 4 Weeks
519,000
Total Volume, Past 2 Weeks
200,100
Total Volume, Past Week
99,700
Percent Change in Price
Percent Change in Price, Past 52 Weeks
7.18
Percent Change in Price, Past 26 Weeks
2.03
Percent Change in Price, Past 13 Weeks
10.93
Percent Change in Price, Past 4 Weeks
4.76
Percent Change in Price, Past 2 Weeks
-0.89
Percent Change in Price, Past Week
-0.72
Percent Change in Price, 1 Day
-0.99
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
0
Consecutive Weeks of Increasing Price
0
Consecutive Days of Decreasing Price
1
Consecutive Weeks of Decreasing Price
3
Consecutive Days/Weeks of Increasing/Decreasing Volume
Consecutive Days of Increasing Volume
0
Consecutive Weeks of Increasing Volume
1
Consecutive Days of Decreasing Volume
1
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)
20.08
Simple Moving Average (10-Day)
20.15
Simple Moving Average (20-Day)
19.99
Simple Moving Average (50-Day)
19.50
Simple Moving Average (100-Day)
19.06
Simple Moving Average (200-Day)
19.19
Previous Simple Moving Average (5-Day)
20.11
Previous Simple Moving Average (10-Day)
20.18
Previous Simple Moving Average (20-Day)
19.96
Previous Simple Moving Average (50-Day)
19.49
Previous Simple Moving Average (100-Day)
19.05
Previous Simple Moving Average (200-Day)
19.19
Technical Indicators
MACD (12, 26, 9)
0.23
MACD (12, 26, 9) Signal
0.27
Previous MACD (12, 26, 9)
0.25
Previous MACD (12, 26, 9) Signal
0.28
RSI (14-Day)
53.14
Previous RSI (14-Day)
56.48
Stochastic (14, 3, 3) %K
40.17
Stochastic (14, 3, 3) %D
48.63
Previous Stochastic (14, 3, 3) %K
50.37
Previous Stochastic (14, 3, 3) %D
56.96
Upper Bollinger Band (20, 2)
20.79
Lower Bollinger Band (20, 2)
19.19
Previous Upper Bollinger Band (20, 2)
20.80
Previous Lower Bollinger Band (20, 2)
19.12
Income Statement Financials
Quarterly Revenue (MRQ)
40,596,000
Quarterly Net Income (MRQ)
6,068,000
Previous Quarterly Revenue (QoQ)
38,717,000
Previous Quarterly Revenue (YoY)
39,180,000
Previous Quarterly Net Income (QoQ)
6,242,000
Previous Quarterly Net Income (YoY)
6,066,000
Revenue (MRY)
157,287,000
Net Income (MRY)
25,747,000
Previous Annual Revenue
137,921,000
Previous Net Income
23,962,000
Cost of Goods Sold (MRY)
48,963,000
Gross Profit (MRY)
108,324,000
Operating Expenses (MRY)
125,416,000
Operating Income (MRY)
31,871,000
Non-Operating Income/Expense (MRY)
Pre-Tax Income (MRY)
31,871,000
Normalized Pre-Tax Income (MRY)
31,871,000
Income after Taxes (MRY)
25,958,000
Income from Continuous Operations (MRY)
25,958,000
Consolidated Net Income/Loss (MRY)
25,958,000
Normalized Income after Taxes (MRY)
25,958,000
EBIT (MRY)
EBITDA (MRY)
Balance Sheet Financials
Current Assets (MRQ)
2,005,897,000
Property, Plant, and Equipment (MRQ)
21,195,000
Long-Term Assets (MRQ)
604,978,000
Total Assets (MRQ)
2,610,875,000
Current Liabilities (MRQ)
2,140,801,000
Long-Term Debt (MRQ)
183,717,000
Long-Term Liabilities (MRQ)
183,717,000
Total Liabilities (MRQ)
2,324,518,000
Common Equity (MRQ)
286,357,000
Tangible Shareholders Equity (MRQ)
231,983,900
Shareholders Equity (MRQ)
286,357,000
Common Shares Outstanding (MRQ)
15,515,000
Cash Flow Statement Financials
Cash Flow from Operating Activities (MRY)
33,035,000
Cash Flow from Investing Activities (MRY)
-20,938,000
Cash Flow from Financial Activities (MRY)
58,699,000
Beginning Cash (MRY)
52,778,000
End Cash (MRY)
123,574,000
Increase/Decrease in Cash (MRY)
70,796,000
Fundamental Ratios
PE Ratio (Current Year Earnings Estimate)
10.76
PE Ratio (Trailing 12 Months)
11.55
PEG Ratio (Long Term Growth Estimate)
Price to Sales Ratio (Trailing 12 Months)
1.96
Price to Book Ratio (Most Recent Quarterly Book Value per Share)
1.09
Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
10.55
Pre-Tax Margin (Trailing 12 Months)
20.68
Net Margin (Trailing 12 Months)
16.77
Return on Equity (Trailing 12 Months)
9.60
Return on Assets (Trailing 12 Months)
1.02
Current Ratio (Most Recent Fiscal Quarter)
0.94
Quick Ratio (Most Recent Fiscal Quarter)
0.94
Debt to Common Equity (Most Recent Fiscal Quarter)
0.64
Inventory Turnover (Trailing 12 Months)
Book Value per Share (Most Recent Fiscal Quarter)
17.86
Earnings
Fiscal Period End, Next Quarterly Earnings Report
2025-09-30
Quarterly Earnings per Share Estimate
0.53
Next Expected Quarterly Earnings Report Date
2025-10-16
Days Until Next Expected Quarterly Earnings Report
33
Fiscal Period End, Last Quarterly Earnings Report
2025-06-30
Last Quarterly Earnings per Share Estimate
0.47
Last Quarterly Earnings per Share
0.40
Last Quarterly Earnings Report Date
2025-08-08
Days Since Last Quarterly Earnings Report
36
Earnings per Share (Most Recent Fiscal Year)
1.69
Diluted Earnings per Share (Trailing 12 Months)
1.75
Dividends
Last Dividend Date
2025-08-04
Last Dividend Amount
0.28
Days Since Last Dividend
40
Annual Dividend (Based on Last Quarter)
1.12
Dividend Yield (Based on Last Quarter)
5.54
Percent Growth in Revenue/Net Income
Percent Growth in Quarterly Revenue (QoQ)
4.85
Percent Growth in Quarterly Revenue (YoY)
3.61
Percent Growth in Annual Revenue
14.04
Percent Growth in Quarterly Net Income (QoQ)
-2.79
Percent Growth in Quarterly Net Income (YoY)
0.03
Percent Growth in Annual Net Income
7.45
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
False
New 5-Year High Quarterly Net Income (QoQ)
False
New 5-Year Low Quarterly Net Income (QoQ)
False
New 5-Year High Quarterly Net Income (YoY)
False
New 5-Year Low Quarterly Net Income (YoY)
False
Consecutive Quarters/Years of Increasing/Decreasing Revenue/Net Income
Consecutive Quarters of Increasing Revenue (QoQ)
1
Consecutive Quarters of Decreasing Revenue (QoQ)
0
Consecutive Quarters of Increasing Revenue (YoY)
13
Consecutive Quarters of Decreasing Revenue (YoY)
0
Consecutive Years of Increasing Revenue
8
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)
3
Consecutive Quarters of Decreasing Net Income (YoY)
0
Consecutive Years of Increasing Net Income
1
Consecutive Years of Decreasing Net Income
0
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)
0.2079
Historical Volatility (Close-to-Close) (20-Day)
0.1867
Historical Volatility (Close-to-Close) (30-Day)
0.2608
Historical Volatility (Close-to-Close) (60-Day)
0.2716
Historical Volatility (Close-to-Close) (90-Day)
0.2580
Historical Volatility (Close-to-Close) (120-Day)
0.2590
Historical Volatility (Close-to-Close) (150-Day)
0.2510
Historical Volatility (Close-to-Close) (180-Day)
0.2664
Historical Volatility (Parkinson) (10-Day)
0.2028
Historical Volatility (Parkinson) (20-Day)
0.2024
Historical Volatility (Parkinson) (30-Day)
0.2406
Historical Volatility (Parkinson) (60-Day)
0.2408
Historical Volatility (Parkinson) (90-Day)
0.2399
Historical Volatility (Parkinson) (120-Day)
0.2385
Historical Volatility (Parkinson) (150-Day)
0.2463
Historical Volatility (Parkinson) (180-Day)
0.2787
Implied Volatility (Calls) (10-Day)
0.5035
Implied Volatility (Calls) (20-Day)
0.5001
Implied Volatility (Calls) (30-Day)
0.4967
Implied Volatility (Calls) (60-Day)
0.4654
Implied Volatility (Calls) (90-Day)
0.4300
Implied Volatility (Calls) (120-Day)
0.4168
Implied Volatility (Calls) (150-Day)
0.4112
Implied Volatility (Calls) (180-Day)
0.4061
Implied Volatility (Puts) (10-Day)
0.9835
Implied Volatility (Puts) (20-Day)
0.9555
Implied Volatility (Puts) (30-Day)
0.9274
Implied Volatility (Puts) (60-Day)
0.7293
Implied Volatility (Puts) (90-Day)
0.5081
Implied Volatility (Puts) (120-Day)
0.4434
Implied Volatility (Puts) (150-Day)
0.4365
Implied Volatility (Puts) (180-Day)
0.4287
Implied Volatility (Mean) (10-Day)
0.7435
Implied Volatility (Mean) (20-Day)
0.7278
Implied Volatility (Mean) (30-Day)
0.7121
Implied Volatility (Mean) (60-Day)
0.5973
Implied Volatility (Mean) (90-Day)
0.4690
Implied Volatility (Mean) (120-Day)
0.4301
Implied Volatility (Mean) (150-Day)
0.4238
Implied Volatility (Mean) (180-Day)
0.4174
Put-Call Implied Volatility Ratio (10-Day)
1.9535
Put-Call Implied Volatility Ratio (20-Day)
1.9106
Put-Call Implied Volatility Ratio (30-Day)
1.8671
Put-Call Implied Volatility Ratio (60-Day)
1.5673
Put-Call Implied Volatility Ratio (90-Day)
1.1816
Put-Call Implied Volatility Ratio (120-Day)
1.0639
Put-Call Implied Volatility Ratio (150-Day)
1.0616
Put-Call Implied Volatility Ratio (180-Day)
1.0555
Implied Volatility Skew (10-Day)
Implied Volatility Skew (20-Day)
Implied Volatility Skew (30-Day)
Implied Volatility Skew (60-Day)
Implied Volatility Skew (90-Day)
Implied Volatility Skew (120-Day)
0.0781
Implied Volatility Skew (150-Day)
0.1104
Implied Volatility Skew (180-Day)
0.1432
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)
0.7289
Put-Call Ratio (Open Interest) (20-Day)
0.4373
Put-Call Ratio (Open Interest) (30-Day)
0.1458
Put-Call Ratio (Open Interest) (60-Day)
0.1984
Put-Call Ratio (Open Interest) (90-Day)
0.4365
Put-Call Ratio (Open Interest) (120-Day)
0.3791
Put-Call Ratio (Open Interest) (150-Day)
0.2143
Put-Call Ratio (Open Interest) (180-Day)
0.0495
Percentiles Within Industry of Price Performance
Percentile Within Industry, Percent Change in Price, Past 52 Weeks
29.81
Percentile Within Industry, Percent Change in Price, Past 26 Weeks
17.39
Percentile Within Industry, Percent Change in Price, Past 13 Weeks
41.93
Percentile Within Industry, Percent Change in Price, Past 4 Weeks
50.00
Percentile Within Industry, Percent Change in Price, Past 2 Weeks
51.86
Percentile Within Industry, Percent Change in Price, Past Week
53.42
Percentile Within Industry, Percent Change in Price, 1 Day
36.96
Percentiles Within Industry of Revenue/Net Income Growth
Percentile Within Industry, Percent Growth in Quarterly Revenue (QoQ)
66.98
Percentile Within Industry, Percent Growth in Quarterly Revenue (YoY)
46.54
Percentile Within Industry, Percent Growth in Annual Revenue
63.84
Percentile Within Industry, Percent Growth in Quarterly Net Income (QoQ)
25.71
Percentile Within Industry, Percent Growth in Quarterly Net Income (YoY)
25.16
Percentile Within Industry, Percent Growth in Annual Net Income
67.08
Percentiles Within Industry of Fundamental Ratios and Percentages
Percentile Within Industry, PE Ratio (Current Year Earnings Estimate)
37.35
Percentile Within Industry, PE Ratio (Trailing 12 Months)
40.07
Percentile Within Industry, PEG Ratio (Long Term Growth Estimate)
Percentile Within Industry, Price to Sales Ratio (Trailing 12 Months)
41.14
Percentile Within Industry, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
47.63
Percentile Within Industry, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
38.61
Percentile Within Industry, Pre-Tax Margin (Trailing 12 Months)
54.40
Percentile Within Industry, Net Margin (Trailing 12 Months)
56.78
Percentile Within Industry, Return on Equity (Trailing 12 Months)
46.37
Percentile Within Industry, Return on Assets (Trailing 12 Months)
51.10
Percentile Within Industry, Current Ratio (Most Recent Fiscal Quarter)
50.78
Percentile Within Industry, Quick Ratio (Most Recent Fiscal Quarter)
54.23
Percentile Within Industry, Debt to Common Equity (Most Recent Fiscal Quarter)
72.96
Percentile Within Industry, Inventory Turnover (Trailing 12 Months)
Percentile Within Industry, Dividend Yield (Based on Last Quarter)
96.58
Percentile Within Industry, Percentage Held By Insiders (Latest Annual Proxy Report)
43.32
Percentile Within Industry, Percentage Held By Institutions (Latest 13F Reports)
22.22
Percentiles Within Sector of Price Performance
Percentile Within Sector, Percent Change in Price, Past 52 Weeks
36.29
Percentile Within Sector, Percent Change in Price, Past 26 Weeks
29.50
Percentile Within Sector, Percent Change in Price, Past 13 Weeks
50.69
Percentile Within Sector, Percent Change in Price, Past 4 Weeks
58.45
Percentile Within Sector, Percent Change in Price, Past 2 Weeks
44.32
Percentile Within Sector, Percent Change in Price, Past Week
41.69
Percentile Within Sector, Percent Change in Price, 1 Day
34.35
Percentiles Within Sector of Revenue/Net Income Growth
Percentile Within Sector, Percent Growth in Quarterly Revenue (QoQ)
64.70
Percentile Within Sector, Percent Growth in Quarterly Revenue (YoY)
42.77
Percentile Within Sector, Percent Growth in Annual Revenue
61.01
Percentile Within Sector, Percent Growth in Quarterly Net Income (QoQ)
29.02
Percentile Within Sector, Percent Growth in Quarterly Net Income (YoY)
29.19
Percentile Within Sector, Percent Growth in Annual Net Income
55.26
Percentiles Within Sector of Fundamental Ratios and Percentages
Percentile Within Sector, PE Ratio (Current Year Earnings Estimate)
38.45
Percentile Within Sector, PE Ratio (Trailing 12 Months)
40.99
Percentile Within Sector, PEG Ratio (Long Term Growth Estimate)
Percentile Within Sector, Price to Sales Ratio (Trailing 12 Months)
42.56
Percentile Within Sector, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
40.64
Percentile Within Sector, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
42.90
Percentile Within Sector, Pre-Tax Margin (Trailing 12 Months)
59.28
Percentile Within Sector, Net Margin (Trailing 12 Months)
61.69
Percentile Within Sector, Return on Equity (Trailing 12 Months)
40.06
Percentile Within Sector, Return on Assets (Trailing 12 Months)
38.24
Percentile Within Sector, Current Ratio (Most Recent Fiscal Quarter)
45.45
Percentile Within Sector, Quick Ratio (Most Recent Fiscal Quarter)
48.03
Percentile Within Sector, Debt to Common Equity (Most Recent Fiscal Quarter)
70.36
Percentile Within Sector, Inventory Turnover (Trailing 12 Months)
Percentile Within Sector, Dividend Yield (Based on Last Quarter)
91.27
Percentile Within Sector, Percentage Held By Insiders (Latest Annual Proxy Report)
46.37
Percentile Within Sector, Percentage Held By Institutions (Latest 13F Reports)
28.74
Percentiles Within Market of Price Performance
Percentile Within Market, Percent Change in Price, Past 52 Weeks
49.35
Percentile Within Market, Percent Change in Price, Past 26 Weeks
28.88
Percentile Within Market, Percent Change in Price, Past 13 Weeks
66.20
Percentile Within Market, Percent Change in Price, Past 4 Weeks
71.94
Percentile Within Market, Percent Change in Price, Past 2 Weeks
26.19
Percentile Within Market, Percent Change in Price, Past Week
25.91
Percentile Within Market, Percent Change in Price, 1 Day
29.51
Percentiles Within Market of Revenue/Net Income Growth
Percentile Within Market, Percent Growth in Quarterly Revenue (QoQ)
51.41
Percentile Within Market, Percent Growth in Quarterly Revenue (YoY)
45.04
Percentile Within Market, Percent Growth in Annual Revenue
72.46
Percentile Within Market, Percent Growth in Quarterly Net Income (QoQ)
39.93
Percentile Within Market, Percent Growth in Quarterly Net Income (YoY)
45.41
Percentile Within Market, Percent Growth in Annual Net Income
53.87
Percentiles Within Market of Fundamental Ratios and Percentages
Percentile Within Market, PE Ratio (Current Year Earnings Estimate)
20.76
Percentile Within Market, PE Ratio (Trailing 12 Months)
26.23
Percentile Within Market, PEG Ratio (Long Term Growth Estimate)
Percentile Within Market, Price to Sales Ratio (Trailing 12 Months)
48.82
Percentile Within Market, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
28.61
Percentile Within Market, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
46.46
Percentile Within Market, Pre-Tax Margin (Trailing 12 Months)
83.09
Percentile Within Market, Net Margin (Trailing 12 Months)
82.16
Percentile Within Market, Return on Equity (Trailing 12 Months)
60.23
Percentile Within Market, Return on Assets (Trailing 12 Months)
45.98
Percentile Within Market, Current Ratio (Most Recent Fiscal Quarter)
23.50
Percentile Within Market, Quick Ratio (Most Recent Fiscal Quarter)
33.25
Percentile Within Market, Debt to Common Equity (Most Recent Fiscal Quarter)
69.94
Percentile Within Market, Inventory Turnover (Trailing 12 Months)
Percentile Within Market, Dividend Yield (Based on Last Quarter)
93.24
Percentile Within Market, Percentage Held By Insiders (Latest Annual Proxy Report)
45.89
Percentile Within Market, Percentage Held By Institutions (Latest 13F Reports)
32.58