Is Citizens & Northern Corporation a good dividend stock?

Citizens & Northern Corporation (CZNC) is a dividend-paying stock with a current dividend yield of 4.79%. Review its dividend history, payout consistency and growth to judge whether it fits your income strategy.

What is CZNC's dividend yield?

The dividend yield for CZNC stock is currently 4.79%.

How much does CZNC pay in dividends per year?

Citizens & Northern Corporation pays an annual dividend of $1.1200 per share over the trailing twelve months.

How often does CZNC pay dividends?

CZNC stock pays dividends quarterly.

Is CZNC's dividend growing?

Citizens & Northern Corporation's 3-year dividend CAGR is 0%.

CZNC Stock Price, Chart, Stats & News

Citizens & Northern Corporation

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Overview Dividend safety Dividends Fundamentals

Citizens & Northern Corporation (CZNC) is a dividend-paying stock with a current dividend yield of 4.79% as of Jul 21, 2026. It pays $1.12 per share over the trailing twelve months and distributes quarterly. Its dividend has grown at a 0.54% 5-year compound annual rate.

418.89M

Market cap

16.12x

Current P/E

11.19x

Forward P/E

4.79%

Dividend yield

$1.12

CZNC dividend

Dividend safety

Moderate

Dividend coverage is moderate for CZNC — it pays out about 77% of earnings.

See the safety analysis

CZNC chart

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Fundamentals

Gross margin	65.52%
Operating margin	18.48%
Pretax margin	18.48%
Net margin	15.12%
Effective tax rate	18.21%
ROA	0.75%
ROE	7.79%
D/E	0.57x
Interest coverage ratio	0.60x

All financials

CZNC valuation

P/E	16.12x
P/S	2.18x
P/B	1.14x
P/CF	12.14x
P/FCF	11.65x
P/OCF	12.14x
PEG	-1.04x
EV multiple	6.29x

About

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 certificates of deposit (CDs).