Loading
NASDAQFinancial ServicesBanks - Regional
Latest quote
$24.875
−$0.395 · -1.56%
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Regular session
$24.875
−$0.395 · -1.56%
Regular session · ET · Market data may be delayed.
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Day range
Current $24.875
52-week range
Current $24.875
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
56
Fair Value
Sentiment
58
Mixed
Risk
24
Moderate Risk
Momentum
48
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
Day range
Current $24.875
52-week range
Current $24.875
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 154.19M USD | 155.47M USD | 136.24M USD | 115.48M USD | 108.95M USD |
| Cost of goods sold | 53.44M USD | 51.16M USD | 33.29M USD | 16.77M USD | 10.22M USD |
| Gross profit | 100.75M USD | 104.31M USD | 102.95M USD | 98.7M USD | 98.73M USD |
| Selling, general, and administrative | 53.25M USD | 44.93M USD | 44.2M USD | 41.83M USD | 37.6M USD |
| Operating expenses | 72.11M USD | 72.44M USD | 72.47M USD | 66.35M USD | 61.04M USD |
| Interest income | 139.22M USD | 128.08M USD | 113.5M USD | 92.65M USD | 84.5M USD |
| Interest expense | 47.36M USD | 48.96M USD | 33.1M USD | 9.52M USD | 6.56M USD |
| Depreciation and amortization | 2.36M USD | 2.18M USD | 2.15M USD | 2.39M USD | 2.13M USD |
| Operating income | 28.64M USD | 31.87M USD | 30.48M USD | 32.35M USD | 37.69M USD |
| Net income | 23.43M USD | 25.96M USD | 24.15M USD | 26.62M USD | 30.55M USD |
Company facts updated Oct 9, 2026.
Reported history and fiscal-year consensus
Reported history and fiscal-year consensus
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Apr 22, 2003 | 3:2 | — | — |
Stock split | Oct 17, 1994 | 2:1 | — | — |
Effective Apr 22, 2003
3:2
Effective Oct 17, 1994
2:1
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI13.69M0.00%2.3T USD0.03%$381.42+0.49%
iShares Russell 2000 ETFIWM11.84M0.02%77.7B USD0.19%$278.66+0.39%
Vanguard Extended Market ETFVXF5.36M0.01%95.4B USD0.05%$234.48+0.58%
Dimensional - US Targeted Value ETFDFAT4.98M0.02%30.26B USD0.33%$67.435-0.19%
iShares Russell 2000 Value ETFIWN4.22M0.03%13.75B USD0.24%$210.87-0.04%
Dimensional - US Small Cap ETFDFAS3.38M0.01%33.8B USD0.31%$78.30+0.26%
Vanguard Russell 2000 ETFVTWO2.55M0.01%18B USD0.06%$112.54+0.39%
Dimensional - US Core Equity 2 ETFDFAC1.56M0.00%88.2B USD0.21%$45.265+0.34%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMVanguard Extended Market ETFVXFDimensional - US Targeted Value ETFDFATiShares Russell 2000 Value ETFIWNDimensional - US Small Cap ETFDFASVanguard Russell 2000 ETFVTWODimensional - US Core Equity 2 ETFDFACAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
