CZNC

Citizens & Northern

Financial Services Banks - Regional NASDAQ

About the company

Citizens & Northern Corp, a community bank, has established itself as a trusted name in the financial industry. With a strong commitment to serving its customers and community, the bank operates through its subsidiaries to provide a comprehensive range of banking services. One of the key aspects of Citizens & Northern Corp's offerings is its deposit and loan products. The bank caters to both personal and commercial customers, ensuring that individuals and businesses have access to the financial tools they need. Whether it's a savings account, checking account, or a specialized loan for a specific purpose, the bank strives to meet the diverse banking needs of its customers. In addition to traditional banking services, Citizens & Northern Corp goes beyond the basics by offering a variety of financial solutions through its trust division. This segment of the bank specializes in providing comprehensive services, such as 401(k) plans, retirement planning, estate planning, estate settlements, and asset management. The trust division is particularly valued by customers seeking expert guidance in navigating complex financial matters. With a team of experienced professionals, Citizens & Northern Corp helps individuals and families plan for retirement, manage their assets, and ensure their estates are properly structured. Through tailored investment strategies and personalized advice, the bank works with clients to achieve their financial goals and secure their future. Furthermore, Citizens & Northern Corp understands that each customer has unique needs and circumstances. With this in mind, the bank is committed to providing personalized service that goes beyond simple financial transactions. The bank's employees take the time to understand their customers' goals and aspirations, offering customized solutions that align with their financial objectives. As a community bank, Citizens & Northern Corp knows that its success is closely tied to the success of the communities it serves. The bank actively supports local initiatives and organizations, aiming to make a positive impact on the lives of its customers and neighbors. Whether it's providing financial education programs, sponsoring local events, or contributing to charitable causes, the bank strives to be a trusted partner in building stronger, more vibrant communities. In conclusion, Citizens & Northern Corp is more than just a traditional bank. With its range of banking services and its dedicated trust division, the bank provides a holistic approach to financial management. By delivering personalized service and community support, the bank aims to empower its customers and foster economic growth in the communities it serves.

Website: https://www.cnbankpa.com

Data updated: June 2, 2026

Sector comparison

We compare this company with the typical (middle) company in the same industry to show how it looks against similar businesses. This is information, not a recommendation.

Financial Services · 1543 peers in sector

Metric CZNC Sector median Vs. industry
P/E 19.35 13.87 ↑ Above average
EPS 1.07 USD 0.45 USD ↑ Above average
Dividend yield 5.32% 0.00% ↑ Above average
Profit margin 15.41% 0.00% ↑ Above average
ROE 5.64% 0.98% ↑ Above average

Higher and lower here are only a comparison with the typical company in the industry — a higher or lower value on its own does not mean better or worse.

Financial statements & historical data

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Frequently Asked Questions

What is Citizens & Northern?
Citizens & Northern Corp, a community bank, has established itself as a trusted name in the financial industry. With a strong commitment to serving its customers and community, the bank operates through its subsidiaries to provide a comprehensive range of banking services. One of the key aspects of Citizens & Northern Corp's offerings is its deposit and loan products. The bank caters to both personal and commercial customers, ensuring that individuals and businesses have access to the financial tools they need. Whether it's a savings account, checking account, or a specialized loan for a specific purpose, the bank strives to meet the diverse banking needs of its customers. In addition to traditional banking services, Citizens & Northern Corp goes beyond the basics by offering a variety of financial solutions through its trust division. This segment of the bank specializes in providing comprehensive services, such as 401(k) plans, retirement planning, estate planning, estate settlements, and asset management. The trust division is particularly valued by customers seeking expert guidance in navigating complex financial matters. With a team of experienced professionals, Citizens & Northern Corp helps individuals and families plan for retirement, manage their assets, and ensure their estates are properly structured. Through tailored investment strategies and personalized advice, the bank works with clients to achieve their financial goals and secure their future. Furthermore, Citizens & Northern Corp understands that each customer has unique needs and circumstances. With this in mind, the bank is committed to providing personalized service that goes beyond simple financial transactions. The bank's employees take the time to understand their customers' goals and aspirations, offering customized solutions that align with their financial objectives. As a community bank, Citizens & Northern Corp knows that its success is closely tied to the success of the communities it serves. The bank actively supports local initiatives and organizations, aiming to make a positive impact on the lives of its customers and neighbors. Whether it's providing financial education programs, sponsoring local events, or contributing to charitable causes, the bank strives to be a trusted partner in building stronger, more vibrant communities. In conclusion, Citizens & Northern Corp is more than just a traditional bank. With its range of banking services and its dedicated trust division, the bank provides a holistic approach to financial management. By delivering personalized service and community support, the bank aims to empower its customers and foster economic growth in the communities it serves.
Are Citizens & Northern shares expensive?
The price-to-earnings (P/E) ratio of Citizens & Northern is 19.35 — the share price is 19.35 times the annual profit per share. That is higher than the typical company in the same industry (industry median: 13.87). This is information, not a recommendation. (as of 2026-06-02)
How big is Citizens & Northern?
The market capitalization of Citizens & Northern — the combined value of all its shares — is 370.9 M USD. The higher the market cap, the larger the company. (as of 2026-06-02)
Does Citizens & Northern pay dividends?
The dividend yield of Citizens & Northern is 5.32% — it shows the annual dividend relative to the share price. This is information, not a recommendation. (as of 2026-06-02)
What sector does Citizens & Northern belong to?
Citizens & Northern operates in the Financial Services sector, industry: Banks - Regional.

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