CZNC (Citizens & Northern) Tax Provision: $-5.8 Mil (TTM As of Mar. 2026)

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CZNC Citizens & Northern Corp CZNC
58 GF Score
Price $25.38
GF Value $20.52
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Citizens & Northern Tax Provision?

Citizens & Northern CZNC -0.04% 58 Tax Provision is $-5.8 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.

Citizens & Northern's tax provision for the three months ended in Mar. 2026 was $-0.1 Mil. Its tax provision for the trailing twelve months (TTM) ended in Mar. 2026 was $-5.8 Mil.

Citizens & Northern Tax Provision Historical Data

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The historical data trend for Citizens & Northern's Tax Provision 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 Tax Provision Chart

Citizens & Northern Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Provision
Get a 7-Day Free Trial Premium Member Only Premium Member Only -7.13 -5.73 -6.34 -5.91 -5.22

Citizens & Northern Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Tax Provision 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 -1.42 -1.46 -0.93 -0.06 -3.37
CZNC
58GF Score
Citizens & Northern Corp CZNC
Tax Provision is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens & Northern Tax Provision Calculation

Tax to be paid.

Tax Provision for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-5.8 Mil.

* 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.

Frequently Asked Questions Learn more about Tax Provision →
What does a Tax Provision of $-5.8 Mil mean?
Citizens & Northern (CZNC) has a Tax Provision of $-5.8 Mil as of Mar. 2026. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Citizens & Northern and its competitors.
Is Citizens & Northern's Tax Provision too high?
Citizens & Northern's current Tax Provision is $-5.8 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 Tax Provision compare to PBFS and PLBC?
Citizens & Northern's Tax Provision of $-5.8 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 Tax Provision for a Banks company?
A good Tax Provision depends on the Banks industry context. However, Tax Provision 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 Tax Provision mean?
A high Tax Provision can signal that a stock is expensive relative to its fundamentals. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Citizens & Northern and its competitors. Citizens & Northern's current Tax Provision is $-5.8 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 $25.38 — trading 23.7% above its estimated fair value. The current Tax Provision is $-5.8 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 Tax Provision calculated?
Tax Provision is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current Tax Provision is $-5.8 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 $25.38 is trading 23.7% above its estimated GF Value™ of $20.52. GuruFocus considers Citizens & Northern to be Modestly Overvalued.

Key valuation signals for CZNC:

  • Tax Provision: $-5.8 Mil
  • GF Value™: $20.52 vs. price of $25.38 (23.7% 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

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

$25.38
Price
$20.52
GF Value