Skip to content
Fear and GreedStocks35Crypto25
Start for free

Citizens & Northern stock

CZNCNASDAQ

Citizens & Northern Corporation, Financial ServicesISIN US1729221069

$28.02▼ $0.13 (−0.5%)Closing price of 12 Nov 2026

68Score 68 out of 100, Neutral

Turn on early warning

Price and trend

86 / 100

Price history

+44% in one year

The chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.

Long-term trend

Above the 200-day line: the price is 17% above it.

Trend change

Since December 2025 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Normal: the price is neither overheated nor sold off (RSI 53).

Distance to the high

The price is 1.9% below its 52-week high. Largest decline in 20 years: 68% (July 2008 to November 2009).

Chart figures for advanced users
SMA 50$26.34
Average price of the last 50 trading days, shows the short-term trend.
SMA 200$23.86
Average price of the last 200 trading days, shows the long-term trend.
RSI (14)53
Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
MACDbelow the signal line
Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
Support$19.02
The lowest closing price of the last twelve months.
Resistance$28.56
The highest closing price of the last twelve months.
What would $1,000 in Citizens & Northern have become?Return triangle for Citizens & Northern
Market cap
$505.31M
Div. yield
4.05%
12 months
14.3
Fair value
$22.70

Snapshot

Computed from the data by fixed rules, no AI

  • Citizens & Northern Corporation belongs to the Banks (Regional) industry (United States) and, with a market value of $502.97M, is number 371 of 422 companies in its industry on MEQIRI.
  • In fiscal 2025 it reported revenue of $106.83M (up 0.3% year on year) and earnings of $23.43M (down 9.8%).
  • MEQIRI Score 68 out of 100 (Neutral): rank 492 of 976 in Financial Services, median 68.
Show more
  • The P/E is 14.2 (Banks (Regional) median 12.2, own median of recent years 14.5).
  • Our model puts fair value at $22.70, with the price 24% above it.

In plain words

The numbers on this page in plain words, written by an AI

Strengths

  • Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 79

Weaknesses

None of our weakness checks flags anything. Crash risk is measured separately.

68/ 100
MEQIRI Score
Neutral

Its standout strengths are momentum and technical analysis, while capital allocation holds the score back.

Daily figure as of 12 Nov 2026

How the score is calculated

Score overview

Score since yesterday from 67 to 68.

The fundamentals are strong overall.

Profit consistency100% of years
Cash conversion (free cash flow to earnings)not used for financials
ROE (12 months)10.3%
Positive free cash flownot used for financials
How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Crash risk low

How well MEQIRI warns

One of the 30% with the lowest crash risk among smaller stocks.

From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.

What lowers it

  • price near its 52-week high
  • stable momentum
  • calm price action

Valuation

Valuation signal

Modestly overvalued
Price
$28.15
Fair value
$22.70
Gap to fair value
+24%

Closing price of 11 Nov 2026, used by the daily score.

In our model the price counts as cheap below $18.92 and expensive above $28.38 (uncertainty low, based on the price swings of the past year).

The two parts of the fair value come to $21.31 (excess return model) and $24.09 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.

Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $20.93, at 7.8% it would be $25.37.

Valuation metrics

1.45
10.3%
last 12 months, profit over average equity
Fair value (model)
$22.70
Earnings part $24.09 (earnings per share $1.97 × 12.2)

Half from the excess return model, half from earnings times the industry P/E (12.2).

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

20 years

In the twelve months to 30 Sep 2026, revenue rose 24.2% on the twelve months before. Revenue has grown solidly since 2006, at about 5% per year.

Margins

20 years
  • Operating margin
  • Net margin

In fiscal 2025: operating 27%, net 22%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.

Debt & balance sheet

latest quarter
0.48
Equity
$343.32M
0.23
Cash & equivalents
$590.47M

For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.

Earnings

Next earnings
27 Jan 2027in 76 days
Last reported
22 Oct 2026EPS reported $0.92 (expected $0.68)above expectations

Analyst estimates

Fiscal 20261 analyst
Earnings per share
$2.44+12.4%
Revenue
$146.9M0.0%
Fiscal 20271 analyst
Earnings per share
$2.750.0%
Revenue
$154.2M0.0%

MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.

Insiders

Open-market purchases and sales by executives, board members and major holders

All insider purchases

One insider bought on the open market in the last 6 months, $20,828 in total. 2 insiders sold, $76,747 in total.

Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.

Not counted: 12 purchases under a fixed plan (compensation, savings plan or a pre-arranged Rule 10b5-1 trading plan).

  • Pellegrino Frank GPlan purchase

    6 Nov 2026, Board

    Shares
    254
    Price
    $28.22
    Value
    $7,168
  • Shattuck Katherine WPlan purchase

    6 Nov 2026, Board

    Shares
    7
    Price
    $28.22
    Value
    $198
  • Shattuck Katherine WPlan purchase

    2 Oct 2026, Board

    Shares
    8
    Price
    $25.51
    Value
    $204
Show 13 more
  • Pellegrino Frank GPlan purchase

    2 Oct 2026, Board

    Shares
    245
    Price
    $25.51
    Value
    $6,250
  • Pellegrino Frank GPlan purchase

    4 Sept 2026, Board

    Shares
    178
    Price
    $26.17
    Value
    $4,658
  • Shattuck Katherine WPlan purchase

    4 Sept 2026, Board

    Shares
    8
    Price
    $26.17
    Value
    $209
  • Pellegrino Frank GPlan purchase

    7 Aug 2026, Board

    Shares
    208
    Price
    $25.22
    Value
    $5,245
  • Shattuck Katherine WPlan purchase

    7 Aug 2026, Board

    Shares
    8
    Price
    $25.22
    Value
    $202
  • Trate Christian CSale

    3 Aug 2026, Board

    Shares
    560
    Price
    $25.21
    Value
    $14,118
  • Dorwart Stephen MSale

    31 Jul 2026, Board

    Shares
    2,278
    Price
    $25.37
    Value
    $57,797
  • Shattuck Katherine WPlan purchase

    8 Jul 2026, Board

    Shares
    9
    Price
    $23.03
    Value
    $207
  • Pellegrino Frank GPlan purchase

    8 Jul 2026, Board

    Shares
    198
    Price
    $23.03
    Value
    $4,559
  • Shattuck Katherine WPlan purchase

    5 Jun 2026, Board

    Shares
    10
    Price
    $21.44
    Value
    $214
  • Pellegrino Frank GPlan purchase

    5 Jun 2026, Board

    Shares
    190
    Price
    $21.44
    Value
    $4,074
  • Trate Christian CSale

    28 May 2026, Board

    Shares
    229
    Price
    $21.10
    Value
    $4,832
  • Lehman Terry LPurchase

    13 May 2026, Board

    Shares
    1,000
    Price
    $20.83
    Value
    $20,828

Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.

What happened at Citizens & Northern

The key events of the last six months from our own data. A click takes you to the matching card.

Sector comparison

976 rated companies in Financial Services

Rank 492 of 976
492/ 976
This company
68
Sector median
68

Categories against the sector median

ProfitabilityMedian of 976 companies50 (median 57)7 below the median
GrowthMedian of 976 companies61 (median 67)6 below the median
FundamentalsMedian of 976 companies79 (median 80)1 below the median
ValuationMedian of 929 companies with a value51 (median 73)22 below the median
StabilityMedian of 976 companies85 (median 78)7 above the median
Capital allocationMedian of 976 companies35 (median 56)21 below the median
Technical analysisMedian of 976 companies86 (median 70)16 above the median
MomentumMedian of 976 companies95 (median 70)25 above the median

The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.

Competitors in Banks (Regional)

The next larger and next smaller companies by market value

All 422 Banks (Regional) stocks

ETFs that hold Citizens & Northern

Held by 5 ETFs on Xetra. Shown per index: the ETF with the largest weight.

ETFWeightCostFund size
WisdomTree US High Dividend UCITS ETF AccWTD90.04%0.29%€182.46M
WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY0.03%0.35%€204.34M
Xtrackers Russell 2000 UCITS ETF 1CXRS20.02%0.30%€2.17B
Show 1 more
State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR0.01%0.30%€4.22B

Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).

Data status and sources

Score
Daily value of 12 Nov 2026, recalculated nightly
Price
Closing price of 12 Nov 2026
Latest annual report
Fiscal year 2025, period end 31 Dec 2025
Source
Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Original filings at the SECReport a data error

Mandatory disclosures for this rating

  • ; time horizon around 12 months
  • Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
  • Valuation signal Fairly valued since 12 Nov 2026, previously Overvalued
  • End-of-day prices, metrics cached for up to 24 hours
  • Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
  • Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
  • Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.
Full disclosures, methodology and data sourcesAll ratings of the last 12 monthsHow the score is calculated

MEQIRI counts visits without cookies. With your consent we remember for 90 days where you came from, also in your account, count page changes and time on page, recognise your next visit and load the Meta Pixel, which measures our advertising. You can withdraw your consent at any time under Cookie settings. Privacy