CZNC (Citizens & Northern) Common Stock: $18.3 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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
56 GF Score
Price $23.22
GF Value $20.76
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Common Stock?

Citizens & Northern CZNC +1.13% 56 Common Stock is $18.3 Mil as of Mar. 2026. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.76 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Citizens & Northern's quarterly common stock increased from Sep. 2025 ($16.0 Mil) to Dec. 2025 ($18.3 Mil) but then stayed the same from Dec. 2025 ($18.3 Mil) to Mar. 2026 ($18.3 Mil).

Citizens & Northern's annual common stock stayed the same from Dec. 2023 ($16.0 Mil) to Dec. 2024 ($16.0 Mil) but then increased from Dec. 2024 ($16.0 Mil) to Dec. 2025 ($18.3 Mil).

Citizens & Northern Common Stock Historical Data

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The historical data trend for Citizens & Northern's Common Stock 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 Common Stock Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Common Stock
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.03 16.03 16.03 16.03 18.30

Citizens & Northern Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Common Stock 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 16.03 16.03 16.03 18.30 18.30
CZNC
56GF Score
Citizens & Northern Corp CZNC
Common Stock is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Common Stock Calculation

Common stock is listed on the Balance Sheet at the par value of the total shares outstanding of a company.

The par value of common stocks is meaningless. It is usually set at an absurdly low number.

Frequently Asked Questions Learn more about Common Stock →
What does a Common Stock of $18.3 Mil mean?
Citizens & Northern (CZNC) has a Common Stock of $18.3 Mil as of Mar. 2026. Common Stock is the par value of a company's shares outstanding, as listed on the balance sheet. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Common Stock too high?
Citizens & Northern's current Common Stock is $18.3 Mil. Overall, Citizens & Northern has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's Common Stock compare to FMAO and NEWT?
Citizens & Northern's Common Stock of $18.3 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 Common Stock for a Banks company?
A good Common Stock depends on the Banks industry context. However, Common Stock 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 Common Stock mean?
A high Common Stock can signal that a stock is expensive relative to its fundamentals. Common Stock is the par value of a company's shares outstanding, as listed on the balance sheet. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Common Stock is $18.3 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 $20.76, compared to a current price of $23.22 — trading 11.8% above its estimated fair value. The current Common Stock is $18.3 Mil. Citizens & Northern's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Common Stock calculated?
Common Stock is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Common Stock is $18.3 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 $23.22 is trading 11.8% above its estimated GF Value™ of $20.76. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Common Stock: $18.3 Mil
  • GF Value™: $20.76 vs. price of $23.22 (11.8% above fair value)
  • GF Score™: 56/100 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.
56GF Score

Get the complete analysis for CZNC

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

$23.22
Price
$20.76
GF Value