# Citizens & Northern Corporation (CZNC): Dividend & Fundamentals

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- Sector: Financial Services · Industry: Banks - Regional
- Exchange: NASDAQ · Trading currency: USD

Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificate...

## Quote & Key Metrics

As of 2026-10-29:

| Metric | Value |
|---|---|
| Price | $27.82 USD |
| Market Cap | $498.9M |
| P/E (TTM) | 12.15 |
| EPS (TTM) | $2.29 |
| 52-Week Range | $18.87 – $28.31 |
| Dividend Yield (TTM) | 4.03% |

## Dividend

| Metric | Value |
|---|---|
| Yield (TTM) | 4.03% |
| Annual Dividend (TTM) | $1.12 /share |
| Annual Dividend (Forward) | $1.20 /share |
| Frequency | Quarterly |
| Consecutive Growth Streak | 0 years |
| Growth CAGR 1Y / 3Y / 5Y / 10Y | 7.1% / 2.3% / 1.4% / 1.4% |
| Payout Ratio (EPS, TTM) | 75.9% |
| Payout Ratio (FCF, TTM) | — |
| Payout Ratio (EPS, forward dividend) | 81.3% |
| Payout Ratio (FCF, forward dividend) | — |

### Recent Payments

| Ex-Date | Amount | Pay Date |
|---|---|---|
| 2026-11-02 | $0.3000 | 2026-11-13 |
| 2026-08-03 | $0.2800 | 2026-08-14 |
| 2026-05-04 | $0.2800 | 2026-05-15 |
| 2026-02-02 | $0.2800 | 2026-02-13 |
| 2025-11-03 | $0.2800 | 2025-11-14 |
| 2025-08-04 | $0.2800 | 2025-08-15 |
| 2025-05-02 | $0.2800 | 2025-05-15 |
| 2025-02-03 | $0.2800 | 2025-02-14 |
| 2024-10-28 | $0.2800 | 2024-11-08 |
| 2024-07-29 | $0.2800 | 2024-08-09 |
| 2024-05-03 | $0.2800 | 2024-05-17 |
| 2024-01-26 | $0.2800 | 2024-02-09 |

Full history: https://www.dividenddata.com/stocks/cznc/dividend

## Frequently Asked Questions

### What does Citizens & Northern Corporation do?

Citizens & Northern Corporation (CZNC) operates in the Banks - Regional industry within the Financial Services sector. Full company description, peers, and segment breakdown are on the page above.

### What is CZNC's market cap?

Citizens & Northern Corporation (CZNC) has a market capitalization of approximately $498.9 million, as of October 29, 2026, based on the most recent share price and shares outstanding.

### Does CZNC pay a dividend?

Yes, Citizens & Northern Corporation (CZNC) pays a dividend quarterly, with a trailing-twelve-month yield of 4.03%. Full distribution history, payout ratios, and growth rates are on the Dividend tab.

### How often does CZNC pay dividends?

Citizens & Northern Corporation pays dividends quarterly. The forward annual rate is $1.20 per share at the current declared cadence. Each ex-dividend date, record date, and payment date is listed in the dividend history table on this page.

### What is CZNC's payout ratio?

Citizens & Northern Corporation's payout ratio is the percentage of earnings (and free cash flow) returned to shareholders as dividends. Current EPS and FCF coverage are shown in the payout cards above, with green / amber / red coloring indicating sustainability.

## More on Dividend Data

- Overview (HTML): https://www.dividenddata.com/stocks/cznc
- Dividend history & safety: https://www.dividenddata.com/stocks/cznc/dividend
- Earnings & EPS: https://www.dividenddata.com/stocks/cznc/earnings
- Financial statements: https://www.dividenddata.com/stocks/cznc/financials/income
- Valuation multiples: https://www.dividenddata.com/stocks/cznc/valuation
- Peer comparison: https://www.dividenddata.com/stocks/cznc/peers

Data sourced from primary filings and market data providers; see https://www.dividenddata.com/methodology.