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

Citizens & Northern Corp. is a holding company, which provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State.

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

(1) Price

(2) Dividends

(3) Returns

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

CZNC Price

Citizen’s single share price grew $0.03 (or less than 1%) from $22.36 to $22.39 this past year, per Friday’s market report.

Two analysts cover the stock.  A repeat of last years less than 1% annual gain may be possible this year.

A peek at CZNC’s thirty-year price history shows an average annual share price gain of approximately $0.37 per year.

CZNC Dividends

Citizen’s has declared and paid variable quarterly dividends since October 1993.

The February, 2026 Q dividend of $0.28 suggests $1.12 annual dividend for the coming year.

CZNC Returns

Putting it all together, a hypothetical annual gross gain of $1.42 per share is predicted by adding the $1.12 forward-looking dividend to the $0.30 average year annual price-gain.

A little over $1000 invested at Friday’s $22.39 share price would buy 45 shares which multiply the $1.42 gross gain to an estimated $63.42 upside for the coming year.

80% of that $63 upside gain could come from the $50.20 annual dividend payout from your $1,000 investment.

And the $50.20 dividend from $1k invested is 2.2 times more than CZNC’s $22.39 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.)

CZNC’s forthcoming dividend from $1,000 invested is about 2.2X more the price of a single share.   

The exact track of CZNC’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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