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About the company
Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank (the Bank). The Bank is a Pennsylvania banking institution. The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank 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 a licensed insurance agency that provides insurance products to individuals and businesses and through a broker-dealer arrangement. It operates 35 banking offices located in Bradford, Bucks, Cameron, Chester, Lancaster, Lycoming, McKean, Northumberland, Potter, Snyder, Sullivan, Tioga, Union and York Counties in Pennsylvania and Steuben County in New York, as well as a loan production office in Elmira, New York.
- Revenue in USD (TTM)131.14m
- Net income in USD26.91m
- Incorporated1987
- Employees386.00
- LocationCitizens & Northern Corp90-92 Main StWELLSBORO 16901United StatesUSA
- Phone+1 (717) 265-6171
- Websitehttps://www.cnbankpa.com/About/Investor-Relations/C-N-Corporate-Profile
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Mergers & acquisitions
| Acquired company | CZNC:NAQ since announced | Transaction value |
|---|---|---|
| Susquehanna Community Financial Inc | 21.97% | 44.28m |
Data delayed at least 15 minutes, as of Feb 17 2026 21:00 GMT.
Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MVB Financial Corp | 172.89m | 32.16m | 357.32m | 453.00 | 11.44 | 1.08 | 10.17 | 2.04 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 360.40m | 199.00 | 15.23 | -- | 14.31 | 3.99 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 366.93m | 255.00 | 18.25 | 1.17 | 16.51 | 3.92 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| RBB Bancorp | 221.13m | 31.95m | 377.82m | 372.00 | 12.08 | 0.722 | 15.37 | 2.93 | 1.83 | 1.83 | 7.38 | 30.68 | -- | -- | -- | -- | 0.7792 | 1.11 | -- | -- | -- | -- | 24.74 | 32.61 | -- | -- | -- | 25.98 | 2.06 | 9.71 | 19.81 | -0.6025 | -- | 14.17 |
| Avidia Bancorp Inc | 130.55m | -3.29m | 386.47m | -- | -- | 1.02 | -- | 3.71 | -0.1456 | -0.1456 | 5.39 | 18.88 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -3.16 | -- | -- | -- | -- | -- | 5.54 | -- | -128.64 | -- | -- | -- |
| River Financial Corp | 191.25m | 40.43m | 387.50m | 334.00 | 9.65 | 1.40 | 8.78 | 3.03 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
| Bankwell Financial Group Inc | 198.33m | 34.75m | 388.36m | 144.00 | 11.07 | 1.29 | 13.36 | 3.59 | 4.44 | 4.44 | 13.86 | 38.16 | -- | -- | -- | -- | 1.06 | 0.971 | -- | -- | -- | -- | 32.49 | 31.26 | -- | -- | -- | 20.31 | 3.30 | 20.68 | 265.17 | 43.03 | -- | 2.71 |
| Blue Ridge Bankshares Inc | 137.77m | 10.71m | 389.68m | 416.00 | 39.18 | 1.20 | 47.56 | 4.23 | 0.1087 | 0.1087 | 0.987 | 3.54 | -- | -- | -- | -- | 0.4143 | 0.1744 | -- | -- | -- | -- | 11.63 | 3.69 | -- | -- | -- | -- | -14.06 | 20.40 | 169.61 | -9.70 | -- | -- |
| Farmers & Merchants Bancorp Inc | 170.83m | 31.31m | 398.01m | 476.00 | 12.42 | 1.10 | 10.31 | 3.44 | 2.33 | 2.33 | 8.62 | 26.31 | -- | -- | -- | -- | 0.9409 | 0.9363 | -- | -- | -- | -- | 27.53 | 26.85 | -- | -- | -- | 40.19 | 17.00 | 19.08 | 12.84 | 6.85 | -11.82 | 8.02 |
| Ponce Financial Group Inc | 185.53m | 27.58m | 402.35m | 216.00 | 13.96 | 1.27 | 28.90 | 3.68 | 1.19 | 1.19 | 4.74 | 22.44 | -- | -- | -- | -- | 0.9165 | 0.3191 | -- | -- | -- | -- | 26.28 | 8.84 | -- | -- | -- | -- | 14.07 | 28.31 | 166.87 | 48.24 | -- | -- |
| Citizens & Northern Corp | 131.14m | 26.91m | 423.49m | 386.00 | 13.55 | 1.26 | 14.22 | 3.72 | 1.75 | 1.75 | 7.42 | 18.93 | -- | -- | -- | -- | 1.02 | 1.08 | -- | -- | -- | -- | 23.83 | 24.48 | -- | -- | -- | 68.16 | 12.84 | 14.61 | 7.45 | 5.82 | -7.86 | 0.73 |
| Colony Bankcorp Inc | 149.95m | 28.25m | 436.30m | 526.00 | 12.94 | -- | 16.89 | 3.30 | 1.59 | 1.59 | 7.43 | -- | -- | -- | -- | -- | -- | 0.7707 | -- | -- | -- | -- | 21.37 | 19.33 | -- | -- | -- | 34.68 | 9.26 | 18.89 | 18.37 | 19.05 | -- | -1.54 |
| Orange County Bancorp Inc | 134.98m | 41.61m | 473.05m | 225.00 | 10.65 | 1.66 | 15.48 | 3.72 | 3.32 | 3.32 | 10.18 | 21.27 | -- | -- | -- | -- | 1.61 | 1.25 | -- | -- | -- | -- | 32.71 | 28.96 | -- | -- | -- | 19.69 | 6.10 | 20.35 | 49.25 | 28.93 | -- | 7.34 |
| Home Bancorp Inc | 193.77m | 46.06m | 482.88m | 471.00 | 10.50 | 1.11 | 12.72 | 3.25 | 5.87 | 5.87 | 18.95 | 55.56 | -- | -- | -- | -- | 1.33 | 1.29 | -- | -- | -- | -- | 30.97 | 30.75 | -- | -- | -- | 21.05 | 4.87 | 13.23 | 26.45 | 13.21 | -- | 6.04 |
| Midland States Bancorp Inc | -100.00bn | -100.00bn | 489.45m | 864.00 | -- | 0.8655 | -- | -- | -- | -- | -- | 26.71 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
Data as of Feb 17 2026. Currency figures normalised to Citizens & Northern Corp's reporting currency: US Dollar USD
22.06%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2025 | 1.07m | 6.03% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 765.02k | 4.30% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 566.80k | 3.18% |
| Geode Capital Management LLCas of 31 Dec 2025 | 416.15k | 2.34% |
| Citizens & Northern Investment Managementas of 31 Dec 2025 | 361.41k | 2.03% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 322.82k | 1.81% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 120.22k | 0.68% |
| Vanguard Fiduciary Trust Co.as of 31 Dec 2025 | 112.52k | 0.63% |
| Pennsylvania Capital Management, Inc.as of 31 Dec 2025 | 100.73k | 0.57% |
| Mellon Investments Corp.as of 31 Dec 2025 | 88.52k | 0.50% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
