CZNC (Citizens & Northern) Ending Cash Position: $81.4 Mil (As of Jun. 2026)

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CZNC Citizens & Northern Corp CZNC
60 GF Score
Price $25.32
GF Value $21.35
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Citizens & Northern Ending Cash Position?

Citizens & Northern CZNC -0.04% 60 Ending Cash Position is $81.4 Mil as of Jun. 2026. GuruFocus rates CZNC with a GF Score™ of 60/100 and a GF Value™ of $21.35 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Citizens & Northern's Ending Cash Position for the quarter that ended in Jun. 2026 was $81.4 Mil.

Citizens & Northern's quarterly Ending Cash Position increased from Dec. 2025 ($44.7 Mil) to Mar. 2026 ($53.4 Mil) and increased from Mar. 2026 ($53.4 Mil) to Jun. 2026 ($81.4 Mil).

Citizens & Northern's annual Ending Cash Position increased from Dec. 2023 ($52.8 Mil) to Dec. 2024 ($123.6 Mil) but then declined from Dec. 2024 ($123.6 Mil) to Dec. 2025 ($44.7 Mil).

Citizens & Northern Ending Cash Position Related Terms

Citizens & Northern Ending Cash Position Historical Data

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The historical data trend for Citizens & Northern's Ending 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 Ending Cash Position Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 95.85 47.70 52.78 123.57 44.71

Citizens & Northern Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Ending 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 97.27 121.49 44.71 53.45 81.44
CZNC
60GF Score
Citizens & Northern Corp CZNC
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Citizens & Northern's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=123.574+-78.868
=44.7

Citizens & Northern's Ending Cash Position for the quarter that ended in Jun. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=53.448+27.989
=81.4

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $81.4 Mil mean?
Citizens & Northern (CZNC) has a Ending Cash Position of $81.4 Mil as of Jun. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Ending Cash Position too high?
Citizens & Northern's current Ending Cash Position is $81.4 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 Ending Cash Position compare to CBAN and CBK?
Citizens & Northern's Ending Cash Position of $81.4 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 Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Ending Cash Position is $81.4 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 $21.35, compared to a current price of $25.32 — trading 18.6% above its estimated fair value. The current Ending Cash Position is $81.4 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 Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Ending Cash Position is $81.4 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 $25.32 is trading 18.6% above its estimated GF Value™ of $21.35. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Ending Cash Position: $81.4 Mil
  • GF Value™: $21.35 vs. price of $25.32 (18.6% 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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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.32
Price
$21.35
GF Value