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CZNC
Volume: 120.28K

CZNC Stock Forecast & Price Target

CZNC Analyst Ratings

Based on 1 analyst ratings
Hold
Strong Buy 0%
Buy 0%
Hold 100%
Sell 0%
Strong Sell 0%

Bulls say

Citizens & Northern Corp demonstrates a strong financial performance, highlighted by a net interest margin (NIM) of 3.85%, which exceeded estimates and is expected to continue improving due to strategic acquisitions. The bank showed robust growth in loans and deposits, with a quarterly loan increase of 21% and deposits growing by 18%, suggesting strong customer demand and effective management of resources. Additionally, the company's improved capital ratios, with tangible common equity to total assets (TCE/TA) at 9.18%, reflect a solid foundation for sustained growth and strategic flexibility moving forward.

Bears say

Citizens & Northern Corp faces a negative outlook primarily due to anticipated loan growth decline of approximately 5% in 2026, which could hinder revenue generation. Additionally, the tangible book value per share (TBVPS) has decreased by about 3% to $14.97, indicating potential challenges in maintaining shareholder value. Furthermore, the bank's total equity to total assets ratio (TCE/TA) decreased by 46 basis points sequentially to 8.73%, which may raise concerns about financial stability and overall efficiency despite a gradual improvement in the core efficiency ratio.

CZNC has been analyzed by 1 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 0% recommend Buy, 100% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Citizens & Northern and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Citizens & Northern (CZNC) Forecast

Analysts have given CZNC a Hold based on their latest research and market trends.

According to 1 analysts, CZNC has a Hold consensus rating as of Mar 22, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $23.50, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $23.50, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Citizens & Northern (CZNC)

Volume: 120.28K

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