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Citizens & Northern Corporation is projected to rise to $26.44 by 2027, a +16% move from its current price of $22.85. CZNC is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean strong buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 7/13/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Jul 14 | $22.53 | $22.85 | $23.18 | +0.02% |
| Jul 15 | $22.40 | $22.86 | $23.32 | +0.04% |
| Jul 16 | $22.31 | $22.86 | $23.43 | +0.06% |
| Jul 17 | $22.23 | $22.87 | $23.53 | +0.08% |
| Jul 18 | $22.16 | $22.87 | $23.61 | +0.10% |
| Jul 19 | $22.09 | $22.88 | $23.69 | +0.12% |
| Jul 20 | $22.04 | $22.88 | $23.76 | +0.14% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $22.04 | $22.88 | $23.76 | +0.14% |
| Week 2 | $21.73 | $22.91 | $24.16 | +0.27% |
| Week 3 | $21.50 | $22.94 | $24.49 | +0.41% |
| Week 4 | $21.31 | $22.97 | $24.77 | +0.54% |
| Week 5 | $21.15 | $23.00 | $25.02 | +0.68% |
| Week 6 | $21.01 | $23.04 | $25.26 | +0.81% |
| Week 7 | $20.88 | $23.07 | $25.48 | +0.95% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company offers deposit products including checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance.
The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.
CZNC is the bank holding company for Citizens & Northern Bank and is currently trading at $23.49 with a market capitalization of $420.86M, ranking 3183 by market cap. The near-term forecast shows an average price of $23.49 in 2026 with 0% ROI, suggesting a flat start before longer-term upside unfolds. Over the longer horizon, the model envisions a substantial rise in the average price, reaching $41.86 by 2030 and climbing to $182.72 by 2050, accompanied by increasingly positive ROI figures.
The sentiment transitions from neutral in early years to bullish in the mid-to-late forecast period, signaling a broad secular uptrend.
A major floor 17.9% below — a decisive break under it would weaken the trend.
The nearest floor, 10.9% below — buyers have tended to step in here.
The nearest ceiling, 5.2% above — a clean break opens room to run.
A major ceiling 14.2% above — clearing it would confirm fresh momentum.
Key CZNC support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of CZNC market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $23.01 | Sell | $22.97 | Sell |
| MA 10 | $23.29 | Sell | $22.96 | Sell |
| MA 20 | $22.60 | Buy | $22.66 | Buy |
| MA 50 | $21.80 | Buy | $22.25 | Buy |
| MA 100 | $22.28 | Buy | $22.03 | Buy |
| MA 200 | $21.40 | Buy | $21.54 | Buy |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 54.64 | Neutral |
| Stoch RSI (14) | 19.24 | Buy |
| CCI (20) | 23.98 | Neutral |
| Williams %R (14) | -47.79 | Info |
| MACD (12,26,9) | -0.03 | Sell |
| ROC (12) | 3.44 | Buy |
| Bollinger %B (20,2) | 0.58 | Neutral |
| Stochastic %K (14) | 52.21 | Neutral |
| TRIX (15) | 0.30 | Buy |
| Awesome (5,34) | 1.01 | Buy |
| Ultimate (7,14,28) | 49.00 | Neutral |
| Momentum (10) | 0.40 | Buy |
| Aroon Osc (25) | 76.00 | Buy |
| Hull MA (9) | 22.64 | Buy |
| ADX (14) | 19.01 | Neutral |
| ATR (14) | 0.30 | Info |
The 30-day technical picture is labeled BULLISH with an RSI(14) of 60. The short-term trend is supported by the SMA50 at $21.81 and the SMA200 at $21.24, placing current levels above key moving averages. Key near-term support sits at $20.25 and resistance at $22.51, framing a constructive setup in the immediate horizon.
The 30-day price range spans from $21.58 to $25.57, and annualized volatility is 20%.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $19.97 | $22.85 | $28.45 | 0% | Neutral | |
| $21.66 | $26.44 | $33.75 | +16% | Neutral | |
| $24.11 | $29.99 | $39.31 | +31% | Bullish | |
| $28.67 | $36.21 | $48.48 | +58% | Bullish | |
| $33.36 | $42.70 | $58.21 | +87% | Bullish | |
| $34.62 | $44.87 | $62.12 | +96% | Bullish | |
| $37.56 | $49.21 | $69.11 | +115% | Bullish | |
| $39.53 | $52.34 | $74.45 | +129% | Bullish | |
| $39.81 | $53.24 | $76.63 | +133% | Bullish | |
| $50.01 | $67.52 | $98.28 | +196% | Bullish | |
| $64.60 | $90.96 | $138.75 | +298% | Bullish | |
| $128.43 | $193.95 | $317.12 | +749% | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| July 2026 | $19.97 | $22.85 | $26.79 | +0.00% |
| August 2026 | $19.63 | $22.98 | $27.47 | +0.56% |
| September 2026 | $19.78 | $23.26 | $28.02 | +1.21% |
| October 2026 | $19.24 | $22.72 | $27.56 | -2.29% |
| November 2026 | $19.00 | $22.52 | $27.46 | -0.91% |
| December 2026 | $19.52 | $23.21 | $28.45 | +3.06% |
Click any year to see its month-by-month CZNC forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
By 2026, CZNC could reach as high as $28.45, with a base case around $22.85 and support toward $19.97 — roughly 0% from $22.85. A consolidation phase looks the most probable path here.
Expect CZNC to range from $21.66 to $33.75 through 2027. The $26.44 average target implies a +16% move from current prices. That is up +16% on the projected 2026 average. Price action looks broadly range-bound.
The CZNC price prediction for 2028 points to an average of $29.99 (low $24.11, high $39.31) — a potential gain of +31% on today's $22.85. Buyers look set to stay in control over this stretch.
In 2029, CZNC is projected to trade between $28.67 and $48.48, averaging $36.21 — a potential gain of +58% from today's $22.85. That is up +21% on the projected 2028 average. Momentum favours further upside here.
Citizens & Northern Corporation's 2030 outlook centres on $42.70, within a $33.36 to $58.21 range. That is up +18% on the projected 2029 average. That marks a +87% change versus current levels. Buyers look set to stay in control over this stretch.
By 2031, CZNC could reach as high as $62.12, with a base case around $44.87 and support toward $34.62 — roughly +96% from $22.85. Momentum favours further upside here.
Expect CZNC to range from $37.56 to $69.11 through 2032. The $49.21 average target implies a +115% move from current prices. That is up +10% on the projected 2031 average. Buyers look set to stay in control over this stretch.
The CZNC price prediction for 2033 points to an average of $52.34 (low $39.53, high $74.45) — a potential gain of +129% on today's $22.85. Momentum favours further upside here.
In 2034, CZNC is projected to trade between $39.81 and $76.63, averaging $53.24 — a potential gain of +133% from today's $22.85. That is up +2% on the projected 2033 average. Buyers look set to stay in control over this stretch.
Citizens & Northern Corporation's 2035 outlook centres on $67.52, within a $50.01 to $98.28 range. That is up +27% on the projected 2034 average. That marks a +196% change versus current levels. Momentum favours further upside here.
By 2040, CZNC could reach as high as $138.75, with a base case around $90.96 and support toward $64.60 — roughly +298% from $22.85. Buyers look set to stay in control over this stretch.
Expect CZNC to range from $128.43 to $317.12 through 2050. The $193.95 average target implies a +749% move from current prices. That is up +113% on the projected 2040 average. Momentum favours further upside here.
Investing $1,000 in CZNC today (≈ 43.763676 CZNC) could be worth
$8,488.05
+$7,488.05 (+749%) by 2050 · US Dollar
Based on the average projected CZNC price of $193.95 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in CZNCwould be worth at today's price.
$1,000 invested in CZNC on Jul 10, 2025 (≈ 49.455986 CZNC) would be worth
$1,130.07
+$130.07 (+13.0%) today · 1.13× · US Dollar
Based on a CZNC entry price of $20.22 vs. today's $22.85.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $23.63 | $966.99 | -3.3% |
| 1 month ago | $21.93 | $1,041.95 | +4.2% |
| 3 months ago | $23.74 | $962.51 | -3.7% |
| 6 months ago | $20.37 | $1,121.75 | +12.2% |
| 1 year ago | $20.22 | $1,130.07 | +13.0% |
| All time (5.0y) ago | $25.19 | $907.11 | -9.3% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our CZNC forecast.
Our base-case forecast reaches $46.00 around 2032.
Implied market cap at $46.00: $824.16M
The multi-year forecast shows a sustained uptrend with rising average prices and meaningful ROI growth. In 2030, the average forecast is $41.86 with a minimum of $32.68 and a maximum of $57.09, delivering a 78.2% ROI and a bullish sentiment. By 2040, the average is $87.04 with a range of $61.79 to $132.81, yielding a 270.5% ROI and a bullish outlook.
In 2050, the average rises to $182.72 with a range from $120.96 to $298.84, corresponding to a 677.9% ROI and a bullish stance. These figures illustrate a clear long-run upside but remain estimates, not guarantees, and are subject to uncertainty.
Tap a question to reveal the answer.
2030 min $32.68, avg $41.86, max $57.09; ROI 78.2%; sentiment BULLISH.
The forecast shows positive ROI in multiple years beyond 2026 (e.g., 2027 ROI 13%, 2028 ROI 30%, 2029 ROI 54.1%, 2030 ROI 78.2%, 2035 ROI 179.3%, 2040 ROI 270.5%, 2050 ROI 677.9%), with a bullish long-run outlook.
2040 min $61.79, avg $87.04, max $132.81; ROI 270.5%; sentiment BULLISH.
Yes. The 2030 forecast max is $57.09 and the 2031 forecast max is $62.23, indicating reaching and exceeding $50 is expected within the forecast horizon.
The 30-day range is $21.58–$25.57 with RSI(14) at 60. The stock trades above the SMA50 ($21.81) and SMA200 ($21.24). Support is $20.25 and resistance is $22.51, with volatility at 20% annualized.
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