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CZNC
Volume: 30.05K

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 has demonstrated a solid financial performance, highlighted by a reported net interest margin that exceeded estimates, reflecting year-to-date expansion of 31 basis points. Loan and deposit growth of 21% and 18% quarter-over-quarter, respectively, showcases the bank's robust operational capabilities and market strength, despite seasonal impacts on deposit growth. Additionally, the improvement in tangible common equity to total assets ratio, coupled with increased capital generation post-acquisition, positions the bank favorably for strategic flexibility and future growth opportunities.

Bears say

Citizens & Northern Corp is facing a challenging outlook, as management anticipates a 5% decline in loan growth by 2026, which may hinder its ability to expand revenue streams. Additionally, the tangible book value per share (TBVPS) has decreased by approximately 3% to $14.97, indicating potential shareholder value erosion amid stagnant financial performance on a linked quarter basis. The bank's tangible common equity to total assets (TCE/TA) ratio has also fallen by 46 basis points to 8.73%, signaling potential concerns regarding capital adequacy and financial health.

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 17, 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: 30.05K

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