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Citizens & Northern Corp (CZNC) was founded in 1864 headquartered in Wellsboro, PA

It is a holding company providing a full range of baking and mortgage devices to individual and corporate customers in North Central Pennsylvania and Southern New York

Three key data points gauge CZNC (or any dividend-paying entity):

(1) Price

(2) Dividends

(3) Returns

Those keys also indicate if any company has made, is making, and will make money.

CZNC Price

Citizens single share price grew over 9.8% from $18.44 to $20.25, this past year, per Monday’s market price.

Two analysts cover the stock. Furthermore, the past year of price history shows an average annual price gain of $1.80.

CZNC Dividends

Citizens & Northern has paid annual dividends since October 1993.

The recent, November 2025, Annual dividend of $1.12  is used as the forward-looking annual dividend amount projected for the coming year.

CZNC Returns

Putting it all together, an annual gross gain of $2.92 per share is predicted by adding the $1.12 forward-looking dividend to the $1.80 past-year average annual price gain.

A little under $1000 invested at Monday’s $20.25 share price would buy 49 shares which multiply the $2.92 gross gain to an estimated $144.20 upside for the coming year.

38.56% of that $144 gross gain would come from the $55.30 annual dividend payout from your $1,000 investment.

And the $55.30 dividend from $1k invested is almost 2.5 times CZNC’s $20.25 single share price.

(A dividend dogcatcher rule is to only buy initial shares of a stock that pay an annual dividend from $1000 invested that is greater than the cost of a single share.)

So, you might choose to pounce on CZNC and its forthcoming dividend from $1,000 invested, which is nearly 2.5x more than the price of a single share.   

The exact track of Citizens & Northern's future share price and dividend will entirely be determined by market action and company finances.

Remember, the best way to track stock performance and dividend payments is through direct ownership of company shares.

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