Citizens & Northern Corp. (CZNC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$26.11+1.08%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CZNC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.7% |
| Our one-year growth estimate | diamond | -1.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
CZNC — earnings miss
Dated 2026-04-29
Results of Operations and Financial Condition Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the three month period ended March 31, 2026. On April 29, 2026, the Company issued a press release titled “C&N Announces First Quarter 2026 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99 to this Current Report on Form 8-K and is incorporated herein by reference.
Why it matters: An increase in dividends would signal strong cash flow and commitment to returning value to shareholders. This can boost investor sentiment.
Supportive ifAnnouncement of a dividend increase from $0.28 per share to a higher amount.
Worry ifNo dividend increase means there may be cash flow issues.
Why it matters: EPS performance is key for checking if the company can meet its financial goals.
Watch forQ2 EPS meets or exceeds the guidance of $1.85.
Also watch forQ2 EPS falls below the guidance of $1.85.
Why it matters: Strong loan originations show growth. They also show good management of loan pipelines.
Supportive ifLoan originations were over $100 million in Q3.
Worry ifLoan originations are below $75 million. This means weak demand or management issues.
Why it matters: The retirement of a key leader may change how the company works.
Worry ifA strong successor is named for a smooth transition. This keeps operations stable.
Less concerning ifChanges in leadership may lead to problems or changes in strategy.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$77 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $244 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,421 loss on $10,000 · 14.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in operating income shows ongoing problems with making money.
Worry ifQ2 operating income falls below $335K, worsening from Q1.
Less concerning ifOperating income stays the same or goes above $335K.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector. This could impact Citizens & Northern's performance.
Worry ifRevenue growth falls below the median of the last three years.
Less concerning ifRevenue growth remains above the median of the last three years.
Why it matters: Growth in loans receivable reflects demand and can drive future earnings. Investors monitor loan growth closely.
Supportive ifTotal loans receivable are above $2.4 billion. This shows strong loan activity.
Worry ifTotal loans receivable are below $2.35 billion. This suggests low demand for loans.
Why it matters: If loans keep going down, it may show problems with demand or credit quality. This could hurt future earnings.
Worry ifTotal loans receivable were less than $2.35 billion.
Less concerning ifTotal loans receivable were more than $2.35 billion.
Why it matters: The Q2 earnings will show if income performance is improving or declining. This is key for investors.
Watch forQ2 earnings report shows that operating income is better than last quarter.
Also watch forQ2 earnings report shows that operating income keeps going down.
Why it matters: A drop in net income may show problems with loans and making money.
Worry ifQ3 net income is below $14 million. This shows possible issues in loan management.
Less concerning ifQ3 net income is above $14 million. This suggests strong performance is continuing.
Why it matters: When a company declares a dividend, it shows they want to give money back to shareholders.
Supportive ifA dividend of $0.28 per share declared on August 14, 2026.
Worry ifNo dividend was declared or the dividend amount was cut.
Why it matters: Strong loan recoveries mean good management of problem loans. This leads to better asset quality.
Supportive ifLoan recoveries are over $500,000. This shows good management of non-performing loans.
Worry ifLoan recoveries are below $500,000. This suggests problems with problem loans continue.
Why it matters: A drop in non-performing assets shows better loan quality. This can boost investor trust.
Supportive ifNon-performing assets are less than 1.25% of total assets.
Worry ifNon-performing assets are still over 1.33%. This shows ongoing asset quality problems.
Why it matters: A strong Q3 net income would confirm the positive momentum from Q2 earnings.
Supportive ifQ3 net income reported above $14 million.
Worry ifQ3 net income reported below $10 million.
Why it matters: Regular dividends show that the company is stable. It also shows care for shareholders.
Supportive ifDividend declared remains at $0.28 per share for Q3.
Worry ifDividend cut or not declared for Q3.