Compliance updated on Jun 19, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor

Financial data updated nightly

Citizens & Northern Corp

CZNC ✗ NOT COMPLIANT ☆ Track — members

Nasdaq · Financials · Banks ·

USA Small Cap Analyst: HOLD

Last Close

$25.78

▼ -0.88%

Market Cap $462.36M · Vol 12.69K

Key Metrics

P/E Ratio

17.43

FWD: 10.20

Market Cap

$462.36M

Small Cap

Div Yield

4.31%

Quarterly dividend

EPS Growth

+48.63%

YoY

RSI (14)

62.62

Momentum

Beta

0.39

vs Market

52W High

$26.15

1.41% below

52W Low

$18.91

36.37% above

Volume

12.69K

Avg 22.97K

P/B

1.05

Price-to-book

ROE

N/A

Return on equity

Free Float

95.17%

Public shares

Shariah Compliance8 STANDARDS

✗ Citizens & Northern Corp (CZNC) stock is currently not Shariah compliant

AAOIFI—
Dow Jones Islamic (DJIM)—
FTSE Shariah—
MSCI Islamic—
S&P Shariah—
Al Rajhi—
Alinma—
Albilad—

Unlock the full Shariah report

See which standards it fails, the exact ratios behind the verdict, and halal alternatives. AAOIFI-certified methodology trusted by global Islamic funds.

Which standards does CZNC pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

Members see the purification amount per share, updated every financial period under the AAOIFI methodology.

Can I calculate zakat for my shares?

Members get zakat per share and a built-in calculator for their exact holding.

Historical Returns

-1.19%

+5.87%

+22.35%

+11.75%

YTD

+27.81%

+28.07%

+34.20%

+3.41%

Financials & Valuation

TTM · Annual

Total Revenue	N/A
Net Income	$23.43M
Revenue Growth (YoY)	+36.58%
Gross Margin	N/A
Operating Margin	31.75%
Net Profit Margin	20.35%
ROE	N/A
ROA · ROIC	1.00% · 4.62%

P/E Ratio	17.43
Forward P/E (FY1)	10.20
PEG Ratio	-1.02
P/S	2.79
P/B	1.05
P/FCF	N/A
EPS Growth	+48.63%
Outstanding Shares	17.93M

Technical Indicators

50-Day SMA	$24.08
200-Day SMA	$22.26
RSI (14)	62.62
Beta	0.39
52-Week High	$26.15
52-Week Low	$18.91

Volume Today	12.69K
Avg Daily Volume (30D)	22.97K
Relative Volume	0.55x
Volatility (10D)	13.97
Volatility (30D)	20.43
Free Float	95.17%

Analyst Consensus

HOLD

Current Price $25.78

Mean Target $27.00

52W Low$18.91 52W High$26.15

Current

Target

$18.91 $26.15

Current Analyst target

+4.73% upside potential · 1 analysts

Identifiers

ExchangeNasdaq

FIGIBBG001S6YSF8

ISINUS1729221069

CountryUnited States of America

Sub-IndustryBanks (NEC)

Earnings DateOct 21, 2026

TypeStocks

Instrument TypeORD Ordinary Share

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Company Profile

Citizens & Northern Corporation is a bank holding company for Citizens & Northern Bank (the Bank). The Bank provides a range of banking services, including deposit and loan products for personal and commercial customers. It also 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 an insurance agency that provides insurance products to individuals and businesses and, through a broker-dealer arrangement, offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Bank operates in Bradford, Cameron, Lycoming, Potter, Sullivan, Tioga, Union, Snyder, Northumberland, Bucks, York, Lancaster and Chester Counties in Pennsylvania and Steuben and Chemung Counties in New York.