Citizens & Northern Corporation CZNC | NASDAQ
$25.28
-$0.28 | -1.10%
SIGNAL:
|2026-09-28
|F&G 40
|RSI 41.0
|2026-09-28
|F&G 40
|RSI 41.0
Company Overview:
Market Cap:
$446.57M
Trailing PE:
17.1x
FWD PE *:
9.4x
Payout Ratio (TTM):
69.5%
52-Week Range:
$18.87 - $26.37
* Forward PE is based on street estimates.
10 Year CZNC Performance Metrics:
Total Return (with DRIP):
88.0% (6.52% CAGR)
Total Return (no DRIP):
65.5% (5.16% CAGR)
Share Price:
15.1% (1.41% CAGR)
Yield on Cost (with DRIP):
8.33%
Total Invested:
$10,000
Total Value (with DRIP):
$18,804
Total Return $ (with DRIP):
$8,804
Dividend Increase:
7.7% (0.76% CAGR)
Dividend Yield (FWD):
4.43% ($1.12)
CZNC 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
CZNC Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
CZNC Price CAGR:1Y: 28.19%2Y: 13.31%5Y: -0.20%10Y: 1.43%
CZNC Dividend Charts
CZNC Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.74%
CZNC Dividend Payout Ratio CAGR:1Y: -49.16%2Y: -28.47%5Y: -10.77%10Y: -7.59%
CZNC Dividend to FCF Ratio CAGR:1Y: -39.92%2Y: -22.48%5Y: -7.88%10Y: -7.16%
Unlock All Reports & Research Dividend Stocks like a BOSS!
Save 25% with annual plan (3 Months Free)
Save 25% with annual plan (3 Months Free)
Pro
$19/mo
$11.40/mo
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $7.60 (40%)
Most Popular
Premium
$32/mo
$19.20/mo
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $12.80 (40%)
Ultra
$64/mo
$38.40/mo
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $25.60 (40%)
Pro
$171 ($14.25/mo)
$102.60/yr ($8.55/mo)
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $125.40 (55%)
Most Popular
Premium
$288 ($24/mo)
$172.80/yr ($14.40/mo)
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $211.20 (55%)
Ultra
$576 ($48/mo)
$345.60/yr ($28.80/mo)
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $422.40 (55%)
CZNC Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
CZNC Revenue CAGR:1Y: -2.69%2Y: 0.52%5Y: 9.38%10Y: 10.80%
CZNC EPS CAGR:1Y: 97.50%2Y: 40.53%5Y: 12.42%10Y: 9.46%
CZNC Net Income CAGR:1Y: 129.80%2Y: 51.64%5Y: 14.77%10Y: 13.76%
CZNC EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CZNC Free Cash Flow CAGR:1Y: 94.47%2Y: 39.93%5Y: 11.17%10Y: 13.24%
CZNC Free Cash Flow / Share CAGR:1Y: 69.08%2Y: 30.08%5Y: 8.81%10Y: 8.95%
CZNC Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CZNC Gross Profit CAGR:1Y: -49.58%2Y: -28.64%5Y: -11.75%10Y: -0.48%
CZNC Shares Outstanding CAGR:1Y: 15.01%2Y: 7.58%5Y: 2.16%10Y: 3.93%
CZNC Share Buybacks CAGR:1Y: 0.00%2Y: -72.01%5Y: -54.46%10Y: -26.51%
CZNC Stock-Based Comp CAGR:1Y: 1.81%2Y: -7.04%5Y: 3.48%10Y: 7.53%
CZNC Expenses CAGR:1Y: -61.24%2Y: -46.63%5Y: -17.83%10Y: -5.81%
CZNC Revenue CAGR:1Y: -2.69%2Y: 0.52%5Y: 9.38%10Y: 10.80%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
CZNC Actual Revenue CAGR:1Y: -2.69%2Y: 0.52%5Y: 9.38%10Y: 10.80%
CZNC Actual EPS CAGR:1Y: 97.50%2Y: 40.53%5Y: 12.42%10Y: 9.46%
CZNC Actual Net Income CAGR:1Y: 129.80%2Y: 51.64%5Y: 14.77%10Y: 13.76%
CZNC Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
CZNC Net Profit Margin CAGR:1Y: 136.14%2Y: 50.87%5Y: 4.93%10Y: 2.68%
CZNC Gross Profit Margin CAGR:1Y: -48.18%2Y: -29.00%5Y: -19.31%10Y: -10.17%
CZNC Price to Earnings CAGR:1Y: -37.68%2Y: -17.16%5Y: -11.73%10Y: -7.26%
CZNC Price To Sales Ratio CAGR:1Y: 45.47%2Y: 24.52%5Y: -7.52%10Y: -4.84%
CZNC Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CZNC Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CZNC Dividends Info:
Annual Dividend:
$1.12
Forward Yield:
4.43%
Ex-Dividend Date:
2026-08-03
Lifetime Dividends / Share:
$29.02
CZNC Dividend History: Dates, Payments & Yield list
Below is a schedule of all CZNC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/03/2026 | 08/14/2026 | $0.280 | 4.43% | 4.31% | $25.98 |
| 05/04/2026 | 05/15/2026 | $0.280 | 5.2% | 5.53% | $20.25 |
| 02/02/2026 | 02/13/2026 | $0.280 | 4.93% | 4.69% | $23.88 |
| 11/03/2025 | 11/14/2025 | $0.280 | 5.88% | 5.71% | $19.60 |
| 08/04/2025 | 08/15/2025 | $0.280 | 6.05% | 5.86% | $19.11 |
| 05/02/2025 | 05/15/2025 | $0.280 | 5.86% | 5.69% | $19.70 |
| 02/03/2025 | 02/14/2025 | $0.280 | 5.33% | 5.23% | $21.40 |
| 10/28/2024 | 11/08/2024 | $0.280 | 5.86% | 5.43% | $20.62 |
| 07/29/2024 | 08/09/2024 | $0.280 | 5.55% | 6.07% | $18.46 |
| 05/03/2024 | 05/17/2024 | $0.280 | 6.29% | 5.95% | $18.81 |
| 01/26/2024 | 02/09/2024 | $0.280 | 5.38% | 5.74% | $19.50 |
| 10/27/2023 | 11/10/2023 | $0.280 | 6.37% | 5.68% | $19.73 |
| 07/28/2023 | 08/11/2023 | $0.280 | 5.29% | 5.38% | $20.82 |
| 04/28/2023 | 05/12/2023 | $0.280 | 5.86% | 6.2% | $18.06 |
| 02/02/2023 | 02/14/2023 | $0.280 | 4.78% | 4.97% | $22.53 |
| 10/28/2022 | 11/11/2022 | $0.280 | 4.71% | 4.64% | $24.16 |
| 07/29/2022 | 08/12/2022 | $0.280 | 4.58% | 4.41% | $25.42 |
| 04/29/2022 | 05/13/2022 | $0.280 | 4.78% | 4.72% | $23.72 |
| 01/28/2022 | 02/11/2022 | $0.280 | 4.45% | 4.44% | $25.24 |
| 10/29/2021 | 11/12/2021 | $0.280 | 4.39% | 4.07% | $27.52 |
| 07/30/2021 | 08/13/2021 | $0.280 | 4.53% | 4.44% | $25.24 |
| 04/30/2021 | 05/14/2021 | $0.280 | 4.53% | 4.37% | $25.65 |
| 01/29/2021 | 02/12/2021 | $0.270 | 5.65% | 5.15% | $20.96 |
| 10/30/2020 | 11/13/2020 | $0.270 | 6.38% | 5.76% | $18.76 |
| 07/24/2020 | 08/07/2020 | $0.270 | 5.81% | 6.04% | $17.89 |
| 04/24/2020 | 05/08/2020 | $0.270 | 6.12% | 5.84% | $18.48 |
| 01/24/2020 | 02/07/2020 | $0.270 | 4% | 4.07% | $26.56 |
| 10/25/2019 | 11/08/2019 | $0.270 | 4.26% | 4.07% | $26.55 |
| 07/26/2019 | 08/09/2019 | $0.270 | 4.16% | 4.47% | $24.18 |
| 04/26/2019 | 05/10/2019 | $0.270 | 3.86% | 3.71% | $29.14 |
| 01/25/2019 | 02/08/2019 | $0.370 | 5.93% | 5.85% | $25.32 |
| 10/26/2018 | 11/09/2018 | $0.270 | 4.31% | 4.12% | $26.20 |
| 07/27/2018 | 08/10/2018 | $0.270 | 3.94% | 3.91% | $27.62 |
| 04/27/2018 | 05/11/2018 | $0.270 | 4.44% | 4.32% | $24.99 |
| 01/26/2018 | 02/09/2018 | $0.270 | 4.53% | 4.6% | $23.49 |
| 10/27/2017 | 11/10/2017 | $0.260 | 4.05% | 4.43% | $23.45 |
| 07/27/2017 | 08/11/2017 | $0.260 | 4.5% | 4.71% | $22.10 |
| 04/27/2017 | 05/12/2017 | $0.260 | 4.45% | 4.52% | $23.00 |
| 01/26/2017 | 02/10/2017 | $0.260 | 4.16% | 4.34% | $23.99 |
| 10/27/2016 | 11/14/2016 | $0.260 | 4.96% | 4.28% | $24.32 |
| 07/28/2016 | 08/12/2016 | $0.260 | 4.87% | 4.88% | $21.30 |
| 04/28/2016 | 05/13/2016 | $0.260 | 5.15% | 5.1% | $20.40 |
| 01/28/2016 | 02/12/2016 | $0.260 | 5.2% | 5.16% | $20.16 |
| 10/29/2015 | 11/13/2015 | $0.260 | 5.06% | 5.14% | $20.25 |
| 07/30/2015 | 08/14/2015 | $0.260 | 5.28% | 5.11% | $20.34 |
| 04/30/2015 | 05/15/2015 | $0.260 | 5.24% | 5.26% | $19.76 |
| 01/29/2015 | 02/13/2015 | $0.260 | 5.32% | 5.39% | $19.28 |
| 10/31/2014 | 11/17/2014 | $0.260 | 5.23% | 5.25% | $19.81 |
| 07/24/2014 | 08/08/2014 | $0.260 | 5.51% | 5.44% | $19.11 |
| 04/24/2014 | 05/09/2014 | $0.260 | 5.5% | 5.63% | $18.48 |
| 01/30/2014 | 02/14/2014 | $0.260 | 5.23% | 5.34% | $19.46 |
| 10/31/2013 | 11/15/2013 | $0.250 | 5.06% | 4.88% | $20.50 |
| 07/25/2013 | 08/09/2013 | $0.250 | 4.69% | 4.92% | $20.33 |
| 04/25/2013 | 05/10/2013 | $0.250 | 5.12% | 5.07% | $19.74 |
| 01/31/2013 | 02/15/2013 | $0.250 | 5.03% | 5.06% | $19.75 |
| 10/31/2012 | 11/13/2012 | $0.240 | 5.17% | 5.28% | $18.17 |
| 07/30/2012 | 08/13/2012 | $0.220 | 4.72% | 4.75% | $18.52 |
| 04/27/2012 | 05/14/2012 | $0.200 | 4.17% | 4.43% | $18.06 |
| 01/26/2012 | 02/10/2012 | $0.180 | 3.28% | 3.51% | $20.51 |
| 10/28/2011 | 11/14/2011 | $0.160 | 3.79% | 3.89% | $16.47 |
| 07/28/2011 | 08/12/2011 | $0.150 | 3.65% | 4.04% | $14.86 |
| 04/28/2011 | 05/13/2011 | $0.140 | 3.26% | 3.46% | $16.20 |
| 01/27/2011 | 02/11/2011 | $0.130 | 3.28% | 3.43% | $15.15 |
| 10/28/2010 | 11/12/2010 | $0.120 | 3.29% | 3.13% | $15.35 |
| 07/29/2010 | 08/13/2010 | $0.100 | 3.49% | 3.83% | $10.45 |
| 04/29/2010 | 05/14/2010 | $0.090 | 2.72% | 2.83% | $12.72 |
| 01/28/2010 | 02/12/2010 | $0.080 | 3.33% | 2.94% | $10.90 |
| 09/29/2009 | 10/20/2009 | $0.240 | 6.5% | 7.88% | $12.18 |
| 06/29/2009 | 07/17/2009 | $0.240 | 4.57% | 4.66% | $20.62 |
| 03/30/2009 | 04/17/2009 | $0.240 | 5.57% | 4.51% | $21.28 |
| 12/31/2008 | 01/20/2009 | $0.240 | 4.86% | 6.31% | $15.21 |
| 09/29/2008 | 10/17/2008 | $0.240 | 4.31% | 3.98% | $24.15 |
| 07/01/2008 | 07/18/2008 | $0.240 | 5.61% | 4.97% | $19.30 |
| 03/28/2008 | 04/18/2008 | $0.240 | 4.8% | 5.44% | $17.65 |
| 12/28/2007 | 01/22/2008 | $0.238 | 5.28% | 5.51% | $17.25 |
| 09/27/2007 | 10/19/2007 | $0.238 | 5.27% | 4.85% | $19.60 |
| 07/02/2007 | 07/20/2007 | $0.238 | 4.87% | 4.94% | $19.24 |
| 03/30/2007 | 04/20/2007 | $0.238 | 4.66% | 4.55% | $20.89 |
| 12/28/2006 | 01/22/2007 | $0.233 | 4.18% | 4.25% | $21.92 |
| 09/28/2006 | 10/20/2006 | $0.235 | 4.28% | 4.17% | $22.55 |
| 06/30/2006 | 07/20/2006 | $0.235 | 4.07% | 4.06% | $23.19 |
| 03/30/2006 | 04/20/2006 | $0.235 | 3.83% | 3.97% | $23.69 |
| 12/27/2005 | 01/20/2006 | $0.233 | 3.72% | 3.45% | $27.08 |
| 09/29/2005 | 10/20/2005 | $0.223 | 3.47% | 3.6% | $24.83 |
| 06/30/2005 | 07/20/2005 | $0.223 | 2.95% | 2.49% | $35.85 |
| 03/31/2005 | 04/20/2005 | $0.223 | 3.23% | 3.12% | $28.63 |
| 12/28/2004 | 01/20/2005 | $0.230 | 3.51% | 2.98% | $30.82 |
| 10/01/2004 | 10/20/2004 | $0.214 | 3.54% | 3.52% | $24.26 |
| 07/06/2004 | 07/20/2004 | $0.220 | 3.62% | 3.66% | $24.05 |
| 04/01/2004 | 04/20/2004 | $0.214 | 3.55% | 3.48% | $24.51 |
| 12/24/2003 | 01/20/2004 | $0.220 | 3.53% | 3.39% | $25.95 |
| 10/02/2003 | 10/20/2003 | $0.202 | 3.26% | 3.26% | $24.74 |
| 06/26/2003 | 07/21/2003 | $0.202 | 3.26% | 3.23% | $24.97 |
| 04/03/2003 | 04/21/2003 | $0.135 | 2.67% | 2.52% | $21.34 |
| 12/26/2002 | 01/21/2003 | $0.192 | 3.88% | 3.79% | $20.29 |
| 09/27/2002 | 10/21/2002 | $0.190 | 4.01% | 3.91% | $19.47 |
| 06/27/2002 | 07/19/2002 | $0.178 | 3.86% | 3.65% | $19.47 |
| 03/27/2002 | 04/19/2002 | $0.178 | 4% | 4% | $17.74 |
| 12/27/2001 | 01/18/2002 | $0.176 | 4.44% | 4.15% | $16.96 |
| 09/27/2001 | 10/19/2001 | $0.163 | 4.52% | 4.2% | $15.55 |
| 06/28/2001 | 07/20/2001 | $0.260 | 7.81% | 7.8% | $13.34 |
| 03/29/2001 | 04/20/2001 | $0.163 | 5.04% | 4.89% | $13.35 |
| 11/22/2000 | 01/19/2001 | $0.163 | 5.19% | 5.25% | $12.44 |
| 09/28/2000 | 10/20/2000 | $0.240 | 6.87% | 6.85% | $14.03 |
| 06/29/2000 | 07/20/2000 | $0.240 | 6.94% | 6.78% | $14.16 |
| 04/06/2000 | 04/20/2000 | $0.240 | 6.27% | 6.09% | $15.78 |
| 11/24/1999 | 01/20/2000 | $0.149 | 3.59% | 3.73% | $16.01 |
| 09/30/1999 | 10/20/1999 | $0.220 | 4.68% | 5.19% | $16.94 |
| 07/01/1999 | 07/20/1999 | $0.220 | 4.73% | 4.67% | $18.82 |
| 03/25/1999 | 04/20/1999 | $0.220 | 4.31% | 4.37% | $20.12 |
| 11/25/1998 | 01/20/1999 | $0.218 | 3.86% | 4.09% | $21.30 |
| 09/24/1998 | 10/20/1998 | $0.200 | 3.44% | 3.71% | $21.58 |
| 06/11/1998 | 07/15/1998 | $0.200 | 3.61% | 3.58% | $22.33 |
| 03/26/1998 | 04/15/1998 | $0.200 | 3.36% | 3.63% | $22.03 |
| 11/26/1997 | 01/15/1998 | $0.198 | 3.95% | 3.75% | $21.12 |
| 09/25/1997 | 10/15/1997 | $0.180 | 3.6% | 3.77% | $19.09 |
| 06/12/1997 | 07/15/1997 | $0.180 | 3.96% | 3.86% | $18.67 |
| 03/26/1997 | 04/15/1997 | $0.180 | 4.53% | 4.46% | $16.13 |
| 11/27/1996 | 01/15/1997 | $0.178 | 4.57% | 4.37% | $16.31 |
| 09/26/1996 | 10/11/1996 | $0.170 | 4.76% | 4.79% | $14.20 |
| 06/27/1996 | 07/04/1996 | $0.170 | 5.14% | 5.14% | $13.24 |
| 03/28/1996 | 04/12/1996 | $0.105 | 3.18% | 3.02% | $13.85 |
| 11/28/1995 | 01/12/1996 | $0.105 | 3.54% | 3.41% | $12.28 |
| 09/28/1995 | 10/13/1995 | $0.099 | 3.12% | 3.12% | $12.62 |
| 07/06/1995 | 07/14/1995 | $0.099 | 3.24% | 3.24% | $12.16 |
| 03/28/1995 | 04/14/1995 | $0.099 | 3.46% | 3.2% | $12.31 |
| 11/28/1994 | 12/05/1994 | $0.158 | 5.41% | 5.41% | $11.70 |
| 09/26/1994 | 10/14/1994 | $0.095 | 3.18% | 3.18% | $12.01 |
| 06/24/1994 | 07/01/1994 | $0.148 | 5.21% | 5.21% | $11.39 |
Projected Future Returns & Dividends for CZNC
Based on past 10-year performance, here are CZNC growth metrics:
Share price CAGR of +1.43%
Dividend CAGR of +0.74%
Using CZNC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| CZNC (DRIP) | CZNC - No DRIP | |
|---|---|---|
| Current Price | $25.28 | $25.28 |
| Start Shares | 395.57 | 395.57 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 606.55 | 395.57 |
| Dividends Payment | $0.30 | $0.30 |
| Annual Dividends | $732 | $477 |
| Yield on cost | 7.32% | 4.77% |
| Share Price | $29.14 | $29.14 |
| Total Dividends | $5,715 | $4,582 |
| Final Value | $17,676 | $16,109 |
Estimated Future Value + Dividends - CZNC
NOTE: Above numbers are our estimate based on CZNC's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
Get the best Dividend Stock Research Tools:
Save 25% with annual plan (3 Months Free)
Save 25% with annual plan (3 Months Free)
Pro
$19/mo
$11.40/mo
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $7.60 (40%)
Most Popular
Premium
$32/mo
$19.20/mo
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $12.80 (40%)
Ultra
$64/mo
$38.40/mo
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $25.60 (40%)
Pro
$171 ($14.25/mo)
$102.60/yr ($8.55/mo)
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $125.40 (55%)
Most Popular
Premium
$288 ($24/mo)
$172.80/yr ($14.40/mo)
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $211.20 (55%)
Ultra
$576 ($48/mo)
$345.60/yr ($28.80/mo)
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $422.40 (55%)
Company Info
Citizens & Northern Corporation (CZNC) had its IPO on 1994-04-05, and is traded on NASDAQ stock exchange.
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.
CZNC website: https://www.cnbankpa.com
Get Full Access to All Reports with DRIPCalc PRO
Save 25% with annual plan (3 Months Free)
Save 25% with annual plan (3 Months Free)
Pro
$19/mo
$11.40/mo
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $7.60 (40%)
Most Popular
Premium
$32/mo
$19.20/mo
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $12.80 (40%)
Ultra
$64/mo
$38.40/mo
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $25.60 (40%)
Pro
$171 ($14.25/mo)
$102.60/yr ($8.55/mo)
7-day free trial
- Unlimited Portfolio Tracker
- Portfolio - Lots/Sales/Dividends
- Portfolio Auto-DRIP
- Stock Fundamentals
- DCF valuation modeling
- Compare Stocks Side-by-Side
- Revenue & EPS Estimates
You save $125.40 (55%)
Most Popular
Premium
$288 ($24/mo)
$172.80/yr ($14.40/mo)
7-day free trial
- Everything in Pro
- YieldMax PNL Tracker
- YieldMax NAV Erosion Alerts
- Stocks Dashboard
You save $211.20 (55%)
Ultra
$576 ($48/mo)
$345.60/yr ($28.80/mo)
7-day free trial
- Everything in Premium
- Group & weekly ETF estimates
- YouTuber Mode
- Trades summary + CSV export
- Priority data & support
You save $422.40 (55%)
Loading signals…
DCF Model — CZNC
Value from:
🔒 Upgrade to unlock
The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
Upgrade
Pay up to today
—
vs current price $25.28
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
