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Citizens & Northern Corp

CZNC Finance Major Banks
$23.18
Today
as of Jul 22, 16:48 ET
Last 30 days +7.86% Jun 15 → Jul 22
$21.29 $22.03 $22.77 $23.50 $24.24 Jun 15 Jun 23 Jun 30 Jul 08 Jul 15 Jul 22
Open
$21.02
High
$21.52
Low
$21.00
Volume
$54,278
Avg Vol
$45,424
Mkt Cap
$421M
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
85% of range
Avg surprise (last 3)
-39.4%
Avg reaction (last 2)
-0.4%
0% positive
Latest IV / EM
78%
EM ±18.2% · $23 · Aug 21

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 $0.40Est $0.47Actual $0.42Actual $0.02Est $0.58 JunSepMarJunSepMar/2025Jun/2025SepMar/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
Fri Aug 8, 2025Jun/2025 $0.40 $0.47 -14.9% earnings
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

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Fri Aug 14, 2026Jun/2026OTHER $0.63$0.40 +57.5%

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

8%120%232%344%457% Jun 07 — IV 12% · EM ±1.6%Jun 08 — IV 9% · EM ±1.2%Jun 22 — IV 107% · EM ±22.3%Jun 23 — IV 100% · EM ±20.4%Jun 30 — IV 117% · EM ±20.2%Jul 01 — IV 117% · EM ±19.6%Jul 02 — IV 131% · EM ±21.2%Jul 03 — IV 135% · EM ±21.2%Jul 16 — IV 457% · EM ±19.1%Jul 21 — IV 78% · EM ±18.2%

Sector peers

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