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CZNC
Volume: 22.82K

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 exhibited strong financial performance, highlighted by an impressive net interest margin (NIM) of 3.85%, exceeding estimates, with expectations for further gradual growth through 2026 due to recent acquisitions. The bank's loan portfolio experienced a notable 1% quarter-over-quarter growth, complemented by a solid 3% growth in deposits, despite seasonal impacts, alongside a strengthened credit loss allowance of 1.32% of total loans. Additionally, post-acquisition metrics reveal significant loan and deposit growth of 21% and 18% respectively, enhancing the bank's capital generation capacity and providing management with strategic flexibility moving forward.

Bears say

Citizens & Northern Corp is projecting a decline in loan growth of approximately 5% for 2026, signaling potential challenges in its lending operations. Additionally, the tangible book value per share has decreased by around 3%, indicating a deterioration in shareholder value. Finally, the total equity to total assets ratio has declined sequentially by 46 basis points to 8.73%, raising concerns about the bank's leverage and overall financial stability.

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 Apr 16, 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: 22.82K

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