# Citizens & Northern (CZNC) — Overview

CZNC · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/cznc

## Price

Last close $25.36 on Oct 15, 2026. 52-week range $19.01 – $26.13.

## Company profile

Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $142.5M |
| Revenue (quarter) | $39.4M |
| Revenue growth (year over year) | 34.61% |
| Gross profit (trailing twelve months) | $0.00 |
| Gross margin | 0.00% |
| Net income (trailing twelve months) | $25.3M |
| Net income (quarter) | $14.1M |
| Net income growth (year over year) | 129.80% |
| Net margin | 17.79% |
| Return on equity | 7.99% |
| EPS (trailing twelve months) | $1.47 |
| Book value per share | $19.29 |
| P/E (trailing twelve months) | 18.0 |
| Price to book | 1.3 |
| Debt to assets | 89.02% |
| Payout ratio | 74.64% |
| Dividend yield | 4.26% |

## Frequently Asked Questions

### Is Citizens & Northern (CZNC) profitable?

Yes. Citizens & Northern earned $25.3M in net income over the trailing twelve months, a net margin of 17.79%.

### How much revenue does Citizens & Northern (CZNC) make?

Citizens & Northern generated $142.5M in revenue over the trailing twelve months, up 34.61% year over year.

### What is CZNC's P/E ratio?

Citizens & Northern trades at 18.0 times trailing twelve-month earnings, on an EPS of $1.47.

### How do I buy stock in Citizens & Northern (CZNC)?

CZNC trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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Quotes and charts are not real-time and must not be relied on for trade decisions or valuation.

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Data provided by [AInvest](https://www.ainvest.com).