Citizens & Northern Corp (CZNC) Stock AnalysisCZNCCitizens & Northern Corp

Citizens & Northern Corporation is a bank holding company for Citizens & Northern Bank (the Bank). The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. It also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. CNFS, a subsidiary of the Bank, is an insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank operates in Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Union, Snyder, Northumberland, Bucks, York, Lancaster and Chester Counties in Pennsylvania and Steuben and Chemung Counties in New York. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Citizens & Northern Corporation is a good buy right now due to its strong recent earnings performance, with a Q2 EPS of $0.79 exceeding expectations by $0.13, and a year-to-date price increase of 27.69%. The stock's RSI is at 59.99, indicating bullish momentum, while insider buying has surged by 481.04% over the last month, signaling confidence from company executives. However, the main risk is its net margin, which dropped to 0.79% in Q1 2026, indicating potential profitability concerns.

1 analysts cover CZNC: 0 rate it Buy, 1 Hold and 0 Sell. The average price target is 22.00.