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Upturn AI Summary - About
Citizens & Northern Corp(CZNC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CZNC
10/09/2026: CZNC (2-star) is a SELL. SELL for 1 day. Simulated Profits (12.34%). Updated daily EoD!
Citizens & Northern Corp is a mature regional bank based in Pennsylvania that focuses on community-oriented retail and commercial banking. The company has a stable brand and a long track record of consistent dividend payments, making it a strong fit for income-focused investors. Its primary growth opportunity lies in expanding fee-based wealth management services and selectively entering new regional markets. However, investors must be aware of risks including geographic concentration, net interest margin sensitivity to rates, and stiff competition from larger banks and digital platforms. Monitoring the bank's efficiency, asset quality, and successful digital modernization will be crucial for long-term investors.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, slow-growth regional bank rather than a high-growth company. |
| Momentum investor | Weak fit | This stock typically lacks the high price volatility or rapid growth required for momentum strategies. |
| Value investor | Mixed fit | Value investors may find the dividend yield and valuation metrics interesting, though industry risks persist. |
| Dividend investor | Strong fit | The company is historically committed to returning cash to shareholders through regular dividends. |
| Low-risk investor | Strong fit | The conservative nature of community banking generally offers lower volatility compared to broader market indices. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally stable due to its regional banking focus and dividend profile. |
| Valuation risk | Medium | Investors must monitor if the bank's price-to-book ratio is disconnected from regional peer averages. |
| Competition risk (regional banking) | Medium / high | Intense competition from larger banks and fintechs can squeeze deposit and loan growth. |
| Business quality | Medium | Profitability depends on maintaining stable net interest margins in a fluctuating rate environment. |
| Dividend income | Strong | The company maintains a high priority on dividend payouts which provides reliable income for shareholders. |
| Execution risk | Medium | Integration of acquisitions and digital transformation are key to long-term success. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -30.94% | Avg. Invested days 29 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 447.30M USD | Price to earnings Ratio 16.97 | 1Y Target Price 27 |
Price to earnings Ratio 16.97 | 1Y Target Price 27 | ||
Volume (30-day avg) 55.1K shares | Beta 0.4 | 52 Weeks Range 18.02 - 26.37 | Updated Date 10/11/2026 |
52 Weeks Range 18.02 - 26.37 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 4.43% | Basic EPS (TTM) 1.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank makes most of its money from the spread between what it charges on loans and what it pays on savings accounts. |
| Non-Interest Income | Service fees, wealth management fees, and trust service revenue. | The bank earns steady fee income from managing customer assets and providing professional financial services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 16.97 | Forward PE 11.19 | Enterprise Value 534.79M | Price to Sales(TTM) 3.51 |
Enterprise Value 534.79M | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 4.43 | Enterprise Value to EBITDA - | Shares Outstanding 17.93M | Shares Floating 17.02M |
Shares Outstanding 17.93M | Shares Floating 17.02M | ||
Percent Insiders 4.2 | Percent Institutions 34.03 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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