CZNC (Citizens & Northern) Net Loan: $2,316.3 Mil (As of Jun. 2026)

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CZNC Citizens & Northern Corp CZNC
60 GF Score
Price $25.98
GF Value $21.73
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Net Loan?

Citizens & Northern CZNC +0.04% 60 Net Loan is $2,316.3 Mil as of Jun. 2026. GuruFocus rates CZNC with a GF Score™ of 60/100 and a GF Value™ of $21.73 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Citizens & Northern's quarterly net loan increased from Dec. 2025 ($2,323.3 Mil) to Mar. 2026 ($2,351.0 Mil) but then declined from Mar. 2026 ($2,351.0 Mil) to Jun. 2026 ($2,316.3 Mil).

Citizens & Northern's annual net loan increased from Dec. 2023 ($1,828.9 Mil) to Dec. 2024 ($2,351.0 Mil) and increased from Dec. 2024 ($2,351.0 Mil) to Dec. 2025 ($2,316.3 Mil).

Citizens & Northern Net Loan Historical Data

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The historical data trend for Citizens & Northern's Net Loan 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 Net Loan Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,551.31 1,723.43 1,828.93 1,875.81 2,323.32

Citizens & Northern Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan 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 1,897.56 1,921.63 2,323.32 2,351.02 2,316.26
CZNC
60GF Score
Citizens & Northern Corp CZNC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $2,316.3 Mil mean?
Citizens & Northern (CZNC) has a Net Loan of $2,316.3 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Net Loan too high?
Citizens & Northern's current Net Loan is $2,316.3 Mil. Overall, Citizens & Northern has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's Net Loan compare to PBFS and PLBC?
Citizens & Northern's Net Loan of $2,316.3 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Net Loan is $2,316.3 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 $21.73, compared to a current price of $25.98 — trading 19.6% above its estimated fair value. The current Net Loan is $2,316.3 Mil. Citizens & Northern's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Net Loan is $2,316.3 Mil as of Jun. 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 $25.98 is trading 19.6% above its estimated GF Value™ of $21.73. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Net Loan: $2,316.3 Mil
  • GF Value™: $21.73 vs. price of $25.98 (19.6% above fair value)
  • GF Score™: 60/100 with 6 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.
60GF Score

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

$25.98
Price
$21.73
GF Value