CZNC
Citizens & Northern CorporationFinancial Services · $452M market cap
Verdict
Share price
$25.63
close of Oct 3, 2026
Fair value
$24.55
Sticker Price
Payback Price
$9.82
buy price
CZNC is Fairly Valued: at $25.63 it's within 4% of its fair value of $24.55. Its buy price (Payback Price) is $9.82, 62% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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Since Jun 19, 2026: 6 open-market purchases worth $15K, 2 sales worth $72K and 27 other filings (stock awards, tax withholding and similar). Why purchases matter
Purchases
Shattuck Katherine W
director · 2026-09-04
Bought
$209
Pellegrino Frank G
director · 2026-09-04
Bought
$5K
Shattuck Katherine W
director · 2026-08-07
Bought
$202
Pellegrino Frank G
director · 2026-08-07
Bought
$5K
Pellegrino Frank G
director · 2026-07-08
Bought
$5K
Shattuck Katherine W
director · 2026-07-08
Bought
$207
Sales
Other filings
HUGHES MARK A
EXEC. VP AND CFO · 2026-08-20
J-Other
$6K
James Glenn Richard
EVP COUNSEL, CORP SECRETARY · 2026-08-20
J-Other
$78
Dunsmore Stan R
EXEC. VP, CHIEF CREDIT OFFICER · 2026-08-20
J-Other
$3K
Balagour Alexander
EVP- CHIEF INFORMATION OFFICER · 2026-08-20
J-Other
$594
Rush Blair T
EXECUTIVE VICE PRESIDENT · 2026-08-20
J-Other
$801
Show all 27 other filingsShow fewer
Runk David S
EXEC. VP AND STRATEGIC ADVISOR · 2026-08-20
J-Other
$26
Hoose Harold F III
EXEC. VP · 2026-08-20
J-Other
$5K
Watkins Tracy Ellen
EXEC. VP · 2026-08-20
J-Other
$2K
REBER JOHN M
EXEC. VP · 2026-08-20
J-Other
$3K
RUDY THOMAS L JR
EXEC. VP · 2026-08-20
J-Other
$4K
SCOVILL J BRADLEY
PRESIDENT AND CEO · 2026-08-20
J-Other
$2K
James Glenn Richard
EVP COUNSEL, CORP SECRETARY · 2026-08-14
J-Other
$207
Dunsmore Stan R
EXEC. VP, CHIEF CREDIT OFFICER · 2026-08-14
J-Other
$26
Watkins Tracy Ellen
EXEC. VP · 2026-08-14
J-Other
$2K
REBER JOHN M
EXEC. VP · 2026-08-14
J-Other
$9K
SCOVILL J BRADLEY
PRESIDENT AND CEO · 2026-08-14
J-Other
$10K
Kilmer Bobbi J
director · 2026-08-14
J-Other
$3K
Kilmer Bobbi J
director · 2026-08-14
J-Other
$2K
Dorwart Stephen M
director · 2026-08-14
J-Other
$1K
Pellegrino Frank G
director · 2026-08-14
J-Other
$14K
Loughery Robert G
director · 2026-08-14
J-Other
$3K
Shattuck Katherine W
director · 2026-08-14
J-Other
$3K
Santiago Helen S
director · 2026-08-14
J-Other
$26
Santiago Helen S
director · 2026-08-14
J-Other
$3K
SINGER AARON K
director · 2026-08-14
J-Other
$2K
SINGER AARON K
director · 2026-08-14
J-Other
$3K
Van Sant William F III
EVP, CHIEF WEALTH OFFICER · 2026-06-19
Award
$150K
About Citizens & Northern Corporation
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…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works