Stock Ratings / Financials / CZNC / dividends

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Citizens & Northern Corp (CZNC) Dividend Safety Gauge & 10-Year DRIP Compounder

$27.82 +1.20% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $27.83

Citizens & Northern Corp (CZNC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $498.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $27.83 (+0.03%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZNC)Realized 20D OHLCV Swing Band: ±5.2%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY CZNC SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 71 (OVERBOUGHT (>70))

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$24.94+2.2% Next Q

Q2 (-2Q)

Grade C+$25.50+8.8% Next Q

Q3 (-1Q)

Grade C+$27.75+0.3% Next Q

Current

Grade C+$27.82+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CZNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, CZNC faces multiple-compression risk if 21.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($25.87) or 200D SMA ($23.57) invalidates the momentum regime and cuts Target Base ($28.95) toward Bear Floor ($22.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CZNC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CZNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.07% Total Yield

3.27% Cash ($0.91/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

35.2% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $25,937

Est. Year-10 Shareholder Yield: $1,315/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.1K

Yr 2

$13.3K

Yr 3

$14.6K

Yr 4

$16.1K

Yr 5

$17.7K

Yr 6

$19.5K

Yr 7

$21.4K

Yr 8

$23.6K

Yr 9

$25.9K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CZNC & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CZNC and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CZNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +26.00%📐 HORIZONTAL RANGE

2026-10-30O $27.99H $28.49L $27.82C $27.82VOL 58.2K

RES: $30.07SUP: $23.38SMA50: $25.87SMA200: $23.57

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CZNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CZNC Butterfly Map → + Track CZNC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

15.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CZNC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CZNC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CZNC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZNC)

Financials Rank #257 of 1096 ⚔️ PBAM vs CZNC Full Matrix →

1. Head-to-Head Financials Peer Comparison (CZNC vs. PBAM, FRBA, WTBA, OBT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Citizens & Northern Corp (CZNC) ranks #257 by composite RQD confidence (67/100, grade C+) and #705 by equity capitalization ($498.9M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. OBT currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with CZNC at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CZNC ACTIVE Citizens & Northern Corp	C+	67/100	21.3x	—	6.9%	+1.20%	$498.9M	Benchmark Subject
PBAM Private Bancorp of America Inc.	D	50/100	—	—	—	+0.22%	$490.2M	/pbam-vs-cznc →
FRBA First Bank	D	50/100	—	—	—	+0.47%	$488.6M	/frba-vs-cznc →
WTBA West Bancorporation	C	63/100	15.7x	—	12.2%	-1.38%	$512.0M	/wtba-vs-cznc →
OBT Orange County Bancorp Inc.	C+	68/100	12.4x	—	14.6%	+1.26%	$517.3M	/obt-vs-cznc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000810958

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens & Northern Corp (CZNC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $23.4M, operating cash flow of $32.0M, and free cash flow of $30.1M (-3.3% YoY). On the balance sheet, CZNC closed FY2025 with $3.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$23.4M	$32.0M	$30.1M	$3.13B	—
FY2024 (FY)	2024-12-31	$0	$26.0M	$33.0M	$31.1M	$2.61B	—
FY2023 (FY)	2023-12-31	$0	$24.1M	$33.5M	$33.5M	—	—

3. CZNC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CZNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Citizens & Northern Corp (NASDAQ: CZNC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $27.82 (+1.20% 1D, market cap $498.9M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, CZNC ranks #257 in composite RQD confidence.

How does CZNC compare to PBAM and FRBA in the Financials sector?

Within the Financials sector (Major Banks), CZNC carries a Roarable C+ (67/100 RQD), trailing P/E of 21.3x, gross margin of —, and ROIC of 6.9%. By comparison, PBAM (Private Bancorp of America Inc.) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $490.2M) and FRBA (First Bank) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $488.6M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CZNC?

Per CZNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000810958), Citizens & Northern Corp generated $0 in revenue, $23.4M in net income, and $30.1M in free cash flow against $3.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CZNC trading relative to its 50-day, 200-day, and 52-week technical levels?

CZNC last traded at $27.82 (+1.20% on volume of 51,398 shares), positioning the stock +7.54% above its 50-day simple moving average ($25.87) and +18.03% above its 200-day simple moving average ($23.57). Across its 52-week range of $18.87 to $28.49, CZNC sits at the 93.0% percentile with a 14-day RSI of 71.0 (OVERBOUGHT (>70)) and an implied next-earnings move of ±5.2% ($26.37 to $29.27).

CZNC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CZNC pay a dividend and is it safe?

Citizens & Northern Corp (CZNC) offers a 3.27% cash dividend yield ($0.91 annualized) and 5.07% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CZNC RQD Cockpit CZNC 12M Forecast CZNC Earnings & Move CZNC Dividends & DRIP CZNC Insiders & 13F CZNC Whale Options CZNC Profit Sankey CZNC News & Why