CZNC (Citizens & Northern) Marketable Securities: $497.4 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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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 $25.27
GF Value $20.52
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Citizens & Northern Marketable Securities?

Citizens & Northern CZNC -0.47% 58 Marketable Securities is $497.4 Mil as of Mar. 2026. GuruFocus rates CZNC with a GF Score™ of 58/100 and a GF Value™ of $20.52 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price. Citizens & Northern's Marketable Securities for the quarter that ended in Mar. 2026 was $497.4 Mil.

Citizens & Northern's annual Marketable Securities declined from Dec. 2023 ($415.8 Mil) to Dec. 2024 ($211.4 Mil) but then increased from Dec. 2024 ($211.4 Mil) to Dec. 2025 ($291.3 Mil).

Citizens & Northern  (NAS:CZNC) Marketable Securities Explanation

Marketable Securities are very liquid as they tend to have maturities of less than one year. Furthermore, the rate at which these securities can be bought or sold has little effect on their prices.

Please note, GuruFocus' Marketable Securities also includes "Other Short Term Investment".

Citizens & Northern Marketable Securities Related Terms

Citizens & Northern Marketable Securities Historical Data

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The historical data trend for Citizens & Northern's Marketable Securities 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 Marketable Securities Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Marketable Securities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 517.68 498.03 415.76 211.43 291.32

Citizens & Northern Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Marketable Securities 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 243.65 210.12 291.32 497.37 496.83
CZNC
58GF Score
Citizens & Northern Corp CZNC
Marketable Securities is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Marketable Securities Calculation

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price.

Frequently Asked Questions Learn more about Marketable Securities →
What does a Marketable Securities of $497.4 Mil mean?
Citizens & Northern (CZNC) has a Marketable Securities of $497.4 Mil as of Mar. 2026. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Marketable Securities too high?
Citizens & Northern's current Marketable Securities is $497.4 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 Marketable Securities compare to PBFS and PLBC?
Citizens & Northern's Marketable Securities of $497.4 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 Marketable Securities for a Banks company?
A good Marketable Securities depends on the Banks industry context. However, Marketable Securities 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 Marketable Securities mean?
A high Marketable Securities can signal that a stock is expensive relative to its fundamentals. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Marketable Securities is $497.4 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 $20.52, compared to a current price of $25.27 — trading 23.1% above its estimated fair value. The current Marketable Securities is $497.4 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 Marketable Securities calculated?
Marketable Securities is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Marketable Securities is $497.4 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 $25.27 is trading 23.1% above its estimated GF Value™ of $20.52. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Marketable Securities: $497.4 Mil
  • GF Value™: $20.52 vs. price of $25.27 (23.1% 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

Get the complete analysis for CZNC

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

$25.27
Price
$20.52
GF Value