CZNC (Citizens & Northern) Beginning Cash Position: $44.7 Mil (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZNC Citizens & Northern Corp CZNC
58 GF Score
Price $25.37
GF Value $20.46
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Citizens & Northern Beginning Cash Position?

Citizens & Northern CZNC +0.36% 58 Beginning Cash Position is $44.7 Mil as of Mar. 2026. GuruFocus rates CZNC with a GF Score™ of 58/100 and a GF Value™ of $20.46 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Citizens & Northern's Beginning Cash Position for the quarter that ended in Mar. 2026 was $44.7 Mil.

Citizens & Northern's quarterly Beginning Cash Position increased from Sep. 2025 ($97.3 Mil) to Dec. 2025 ($121.5 Mil) but then declined from Dec. 2025 ($121.5 Mil) to Mar. 2026 ($44.7 Mil).

Citizens & Northern's annual Beginning Cash Position increased from Dec. 2023 ($47.7 Mil) to Dec. 2024 ($52.8 Mil) and increased from Dec. 2024 ($52.8 Mil) to Dec. 2025 ($123.6 Mil).

Citizens & Northern Beginning Cash Position Related Terms

Citizens & Northern Beginning Cash Position Historical Data

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The historical data trend for Citizens & Northern's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens & Northern Beginning Cash Position Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 96.02 95.85 47.70 52.78 123.57

Citizens & Northern Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 112.14 97.27 121.49 44.71 0.00
CZNC
58GF Score
Citizens & Northern Corp CZNC
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $44.7 Mil mean?
Citizens & Northern (CZNC) has a Beginning Cash Position of $44.7 Mil as of Mar. 2026. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Beginning Cash Position too high?
Citizens & Northern's current Beginning Cash Position is $44.7 Mil. Overall, Citizens & Northern has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's Beginning Cash Position compare to PBFS and PLBC?
Citizens & Northern's Beginning Cash Position of $44.7 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Beginning Cash Position is $44.7 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens & Northern stock overvalued right now?
Based on GuruFocus' analysis, Citizens & Northern (CZNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.46, compared to a current price of $25.37 — trading 24% above its estimated fair value. The current Beginning Cash Position is $44.7 Mil. Citizens & Northern's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Beginning Cash Position is $44.7 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens & Northern (CZNC) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued. The current stock price of $25.37 is trading 24% above its estimated GF Value™ of $20.46. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Beginning Cash Position: $44.7 Mil
  • GF Value™: $20.46 vs. price of $25.37 (24% above fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the CZNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens & Northern Business Description

Address 90-92 Main Street, Wellsboro, PA, USA, 16901
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
58GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.37
Price
$20.46
GF Value