Citizens & Northern Corporation (CZNC) Stock Price & Analysis
Citizens & Northern Corporation (CZNC) — MoonshotScore 88/100 (Exceptional band), calculated Oct 26, 2026. Price $27.75 (+4.17%), as of the Oct 23, 2026 trading session; market cap $498M.
Educational signal · not a buy or sell recommendation · How to read this
Citizens & Northern Corporation · CZNC · NASDAQ
Citizens & Northern Corporation is a bank holding company providing banking and mortgage services to individuals and businesses.
Price as of Oct 23, 2026
Key Statistics
MoonshotScore v2 · Citizens & Northern (CZNC)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and a strong balance sheet, at a dirt-cheap price, though growth is only middling; the market is already moving on it. Business Quality: Solid; Financial Safety: Sound; Valuation: Cheap; Growth Durability: Flat; Momentum: Surging.
- quarterly revenue $52M (Q3 FY2026, quarter ended Sep 30, 2026)
- EPS beat 3 of 8
- Altman Z -0.48 · Piotroski F 7
Helping: business quality, balance-sheet strength, an attractive price, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 72 | Strong | |
| 72 | Strong | |
| 75 | Strong | |
| 73 | Strong | |
| 76 | Strong | |
| 83 | Exceptional |
The score moved from 89 in the stored Oct 24, 2026 snapshot to 88 in the current publication computed Oct 26, 2026 (-1); the largest pillar moves were Growth Durability -2 and Business Quality -1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $27.75 | |
| Change on the day | +4.17% | |
| 52-week range | $18.87 – $27.78 | |
| Market capitalisation | $498M | |
| Price / earnings (trailing) | 14.05 | |
| Shares traded on the day | 114.8K |
Price & events
Other perspectives
Council score for Citizens & Northern (CZNC): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 8, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the CZNC film — every key number, told as a short cinematic story
~2 min · open the film
What is Citizens & Northern (CZNC), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. Citizens & Northern Corporation (CZNC) is listed on NASDAQ. It employs 460 people and is led by J. Bradley Scovill. In Q3 FY2026 it reported revenue of $52M and net income of $16M. The market values it at $498M.
What do the latest results show for Citizens & Northern (CZNC)?
Short answer · as of
The most recent reported quarter, Q3 FY2026, carried revenue of $52M. Against analyst estimates the company has EPS beat 3 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q3 FY2026 | $52M | $16M | $0.92 (diluted) |
| Q2 FY2026 | $39M | $14M | $0.79 (diluted) |
| Q1 FY2026 | $49M | $273,000 | $0.02 (diluted) |
| Q4 FY2025 | $36M | $4M | $0.25 (diluted) |
What are the financial strengths and risks for Citizens & Northern (CZNC)?
Short answer
The MoonshotScore pillars rate business quality, balance-sheet strength, an attractive price, positive momentum as strengths. The distress and quality screens read Altman Z -0.48 · Piotroski F 7. Trailing ratios: ROE 5.5% · ROA 0.6% · current ratio 1.23 · earnings yield 4.2% · free-cash-flow yield 9.0%.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of -0.48 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
What should you watch next at Citizens & Northern (CZNC)?
Short answer · as of
Current published price targets run low $23.50 · high $23.50 · consensus $23.50 · median $23.50 against a quoted price of $27.75 (as of Oct 23, 2026).
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
- No insider Form 4 transaction falls inside the window this page reads.
Checked against the records this page reads, on the dates shown above.
How does Citizens & Northern compare with its peers?
Short answer
Citizens & Northern's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $35.61 Oct 23, 2026 | $606M | 93 5-pillar Oct 26, 2026 | |
| $36.54 Oct 23, 2026 | $503M | 92 5-pillar Oct 26, 2026 | |
| $27.77 Oct 23, 2026 | $382M | 92 5-pillar Oct 26, 2026 | |
| $30.57 Oct 23, 2026 | $678M | 92 5-pillar Oct 26, 2026 | |
| $38.31 Oct 23, 2026 | $514M | 91 5-pillar Oct 26, 2026 | |
| $67.20 Oct 23, 2026 | $536M | 91 5-pillar Oct 26, 2026 | |
| $36.36 Oct 23, 2026 | $410M | 91 5-pillar Oct 26, 2026 | |
| $84.57 Oct 23, 2026 | $407M | 91 5-pillar Oct 26, 2026 | |
| $34.77 Oct 23, 2026 | $379M | 91 5-pillar Oct 26, 2026 | |
| $64.51 Oct 23, 2026 | $375M | 91 5-pillar Oct 26, 2026 | |
| $41.29 Oct 23, 2026 | $673M | 91 5-pillar Oct 26, 2026 | |
| $23.86 Oct 23, 2026 | $531M | 90 5-pillar Oct 26, 2026 | |
| Citizens & Northern (CZNC) — this page | $27.75 | $498M | 88 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $23.50 – $23.50
- Consensus target
- $23.50
- Median target
- $23.50
Consensus record · Captured .
Measured against a quoted price of $27.75 (as of Oct 23, 2026).
What has been published about Citizens & Northern (CZNC)?
Investor Questions: CZNC Stock
These answers are editorial: 1 of these 9 answers is drawn from the CZNC research dossier (written May 10, 2026 by gemini-2.0-flash); the other 8 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for CZNC?
CZNC carries the MoonshotScore stated above — the Exceptional band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is CZNC a good stock to buy?
Stock Expert AI does not rate CZNC buy, sell or hold. Citizens & Northern Corporation carries a MoonshotScore, in the Exceptional band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the CZNC stock price today?
The last price recorded on this page for Citizens & Northern Corporation (CZNC) is $27.75, as of the Oct 23, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the CZNC price target?
The analyst consensus price target for Citizens & Northern Corporation (CZNC) is $23.50 (range $23.50 to $23.50, median $23.50), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
What is Citizens & Northern Corporation's credit quality and risk management approach?
Citizens & Northern Corporation maintains a conservative approach to credit quality and risk management. The company's loan portfolio is diversified across commercial, mortgage, and consumer loans, with a focus on borrowers in its regional markets. Provision levels for loan losses are maintained to cover potential defaults.
What are the key factors to evaluate for CZNC?
Citizens & Northern Corporation (CZNC) holds a MoonshotScore in the high range. P/E: 14.05x. Analysts target $23.50 (-15%). Not financial advice.
How frequently does CZNC data refresh on this page?
CZNC's price is the last quote we recorded, from the Oct 23, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven CZNC's recent stock price performance?
Citizens & Northern Corporation (CZNC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established reputation in the region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CZNC overvalued or undervalued right now?
Citizens & Northern Corporation (CZNC) trades at 14.05x earnings. Analysts target $23.50 (-15%) — downside risk seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 10, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (21 figures)
The 21 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 13 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $27.75 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T08:34:41.345Z. | |
px.change | Change on the day | +4.17% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $498M | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-23. FMP quote timestamp: 2026-10-23T20:00:01.000Z. Captured from FMP at 2026-10-26T08:34:40.138Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.11 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q3 FY2026 | $52M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 14.05 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 114.8K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q3 FY2026 | $16M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q3 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt | Stored analyst price targets | low $23.50 · high $23.50 · consensus $23.50 · median $23.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_range | Analyst price target, low to high | $23.50 – $23.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $23.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $23.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied |
UNRECORDED — 6 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 3 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-24 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z -0.48 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · Expired observation | |
px.range52 | 52-week range | $18.87 – $27.78 | UNRECORDED | Stored company-profile observation — Captured 2026-10-24 | |
id.employees | Employees | 460 | UNRECORDED | Stored company-profile observation — Captured 2026-10-24 | |
id.ceo | Chief executive | J. Bradley Scovill | UNRECORDED | Stored company-profile observation — Captured 2026-10-24 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 5.5% · ROA 0.6% · current ratio 1.23 · earnings yield 4.2% · free-cash-flow yield 9.0% | — | UNRECORDED | Stored key metrics — Date unknown |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 88 of 100 · Exceptional · pillars 68 / 70 / 91 / 45 / 99 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 89 (stored snapshot Oct 24, 2026) → 88 (current publication computed Oct 26, 2026) (-1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
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