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Citizens & Northern Corp

CZNC Finance Major Banks
$21.35
▲ +2.1% Today
as of Jun 7, 07:12 ET
Last 30 days -9.73% Apr 28 → Jun 05
$19.98 $20.96 $21.95 $22.94 $23.92 Apr 28 May 05 May 13 May 20 May 29 Jun 05
Open
$21.02
High
$21.52
Low
$21.00
Volume
$54,278
Avg Vol
$45,424
Mkt Cap
$379M
P/E (TTM)
25.42
Beta
52w High
$24.12
52w Low
$18.02
Div Yield
Shares Out
$18M

Overview

52-week range
$18
$24
55% of range
Avg surprise (last 2)
-51.7%
Avg reaction (last 2)
-0.4%
0% positive
Latest IV / EM
12%
EM ±1.6% · $23 · Jun 18

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.02$0.16$0.30$0.44$0.58 Actual $0.39Actual $0.50Actual $0.35Actual $0.40Actual $0.41Actual $0.41Est $0.44Actual $0.40Actual $0.42Actual $0.02Est $0.58 JunSepMarJunSepMar/2025JunSepMar/2026
Revenue vs Net Income Revenue Net income
$0$2M$3M$5M$7M Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Fri May 8, 2026Mar/2026 $0.02 $0.58 -96.5% -95.1% -0.7% earnings
Tue Sep 30, 2025Sep 2025 $0.42 financials
Mon Jun 30, 2025Jun 2025 $0.40 financials
Wed Apr 23, 2025Mar/2025 $0.41 $0.44 -6.8% -0.2% earnings
Mon Sep 30, 2024Sep 2024 $0.41 financials
Sun Jun 30, 2024Jun 2024 $0.40 financials
Sun Mar 31, 2024Mar 2024 $0.35 financials
Sat Sep 30, 2023Sep 2023 $0.50 financials
Fri Jun 30, 2023Jun 2023 $0.39 financials

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue
Cost of revenue
Gross profit
Operating income
Net income$273,000$7M$6M$6M$6M$6M
EPS (diluted)$0.02$0.42$0.40$0.41$0.41$0.40

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$55M$46M$123M$100M$115M$126M$184M$100M
Inventory
Total current assets
Total assets$3.16B$3.13B$2.66B$2.61B$2.61B$2.61B$2.67B$2.59B
Long-term debt
Total liabilities$2.83B$2.79B$2.37B$2.32B$2.33B$2.34B$2.39B$2.33B
Total equity$336M$342M$294M$286M$282M$275M$277M$263M

Implied volatility — last 90 days

6%9%11%14%16% Jun 07 — IV 12% · EM ±1.6%

Sector peers

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