Citizens & Northern

CZNC · NASDAQ

$25.70+$0.305 (+1.20%)TodayMarket closed · Oct 20, 4:10 PM ET

Prev close $25.39

CZNC analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 3 analysts

Average $27.54 (+7.2% upside)

Low: $27.27
Now: $25.70
High: $28.35

Upgrades and downgrades

The latest rating actions, newest first

CZNC analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target
Piper Sandler	Jan 29, 2026	Maintains	Neutral	$22.50 → $23.50
Piper Sandler	Oct 24, 2025	Maintains	Neutral	$21.00 → $22.00

The case for and against

Updated Apr 10, 2026

Bull case

Citizens & Northern Corp has exhibited strong financial performance, highlighted by an impressive net interest margin (NIM) of 3.85%, exceeding estimates, with expectations for further gradual growth through 2026 due to recent acquisitions. The bank's loan portfolio experienced a notable 1% quarter-over-quarter growth, complemented by a solid 3% growth in deposits, despite seasonal impacts, alongside a strengthened credit loss allowance of 1.32% of total loans. Additionally, post-acquisition metrics reveal significant loan and deposit growth of 21% and 18% respectively, enhancing the bank's capital generation capacity and providing management with strategic flexibility moving forward.

Bear case

Citizens & Northern Corp is projecting a decline in loan growth of approximately 5% for 2026, signaling potential challenges in its lending operations. Additionally, the tangible book value per share has decreased by around 3%, indicating a deterioration in shareholder value. Finally, the total equity to total assets ratio has declined sequentially by 46 basis points to 8.73%, raising concerns about the bank's leverage and overall financial stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.