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Citizens & Northern Corporation operates as the holding for Citizens & Northern Bank and First State Bank, which provide various banking and mortgage services to individual and corporate customers in north central Pennsylvania and southern New York. Its deposit products include various checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits, as well as non-insured Repo Sweep accounts. The company's loan portfolio comprises mortgage loans, commercial loans, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit. It also provides trust and financial management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; 401(k) plans, estate planning, estate settlements, and asset management; and various personal and commercial insurance products, as well as mutual funds, annuities, educational savings accounts, and other investment products through registered agents. The company was founded in 1971 and is based in Wellsboro, Pennsylvania.

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Key Statistics

Closing Price	20.37
Volume	9809
Volume Avg	21956
52 Week High	22.48
52 Week Low	13.10
PE	10.53
PE (group average)	27
EPS Year	1.92
EPS change Q/Q	15%
EPS change Q/Q Yr ago	35.29%
EPS change Q/Q next Q est	2.22%
EPS change Y/Y	1000%
REV change Q/Q	1.55%
REV change Q/Q Yr ago	2.07%
EPS next Q est	0.45
EPS next Y est	1.68
Divident Annual	0.63
Dividend Yield	3.09%