SmarterDividends
CZNC

Citizens & Northern Corporation

CZNC

Financial Services · Banks - Regional · Stock · quarterly payer

$25.50

Undervalued · +37% Add to Portfolio

Forward Yield

4.39%

Annual Dividend

$1.12

Payout Ratio

76%

5-Yr Growth

0.7%

Ex-Date

Aug 3, 2026

Frequency

Quarterly

Key facts about CZNC's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, Citizens & Northern Corporation (CZNC) has a forward dividend yield of 4.39%, based on an annual dividend of $1.12 per share and a share price of $25.50.
  • As of Oct 18, 2026, CZNC's dividend safety grade from SmarterDividends is A (83 out of 100), which rates the dividend as very safe.
  • CZNC last cut its regular dividend in 2010.
  • CZNC's most recent ex-dividend date was Aug 3, 2026, for a dividend of $0.28 per share.
  • As of Oct 18, 2026, CZNC pays out 76% of its trailing 12-month earnings as dividends (its payout ratio).
  • CZNC's dividend has grown at an average rate of 0.7% a year over the past five years.
  • As of Oct 18, 2026, CZNC's 4.39% yield is 17% below its five-year average yield of 5.26%.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for CZNC is $34.99 per share, 37% above the $25.50 share price, so CZNC screens as undervalued.
  • Citizens & Northern Corporation (CZNC) pays its dividend quarterly, 4 times a year.
  • Citizens & Northern Corporation (CZNC) has raised its regular dividend 30 times and cut it 2 times across the 106 payments on record since 1994. Its most recent change was a 3.7% increase to $0.280 per share, going ex-dividend on Apr 30, 2021. The last cut went ex-dividend on Jan 28, 2010.
Cite this page

SmarterDividends, "CZNC Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/CZNC

Summary

As of Oct 18, 2026, Citizens & Northern Corporation (CZNC) yields 4.39% ($1.12 a year per share) and has a dividend safety grade of A (83/100).

Is CZNC a good dividend stock?

Yes

Citizens & Northern Corporation (CZNC) pays a quarterly dividend yielding 4.39% ($1.12/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Advantages

  • Top-tier dividend safety score

Risks

  • Cut its dividend in 2010

Key Data

Dividend Yield
4.39%
Payout Ratio
76%
Annual Dividend
$1.12
5-Yr Avg Growth
0.7%
Ex-Dividend Date
Aug 3, 2026
Years of Growth
0
Frequency
quarterly
Beta
0.40
Market Cap
$457.3M
P/E Ratio
17.3
5-Yr Total Return
3%
52-Week Range
$18.87 – $26.37
Dividend Safety
A · 83/100
Ever Cut?
Yes (2010)

CZNC dividend raises and cuts

Citizens & Northern Corporation (CZNC) has raised its regular dividend 30 times and cut it 2 times across the 106 payments on record since 1994. Its most recent change was a 3.7% increase to $0.280 per share, going ex-dividend on Apr 30, 2021. The last cut went ex-dividend on Jan 28, 2010.

Ex-dateChangeOld → newMove
Apr 30, 2021Raise$0.270 → $0.280+3.7%
Jan 26, 2018Raise$0.260 → $0.270+3.8%
Jan 30, 2014Raise$0.250 → $0.260+4.0%
Jan 31, 2013Raise$0.240 → $0.250+4.2%
Oct 31, 2012Raise$0.220 → $0.240+9.1%
Jul 30, 2012Raise$0.200 → $0.220+10.0%
Apr 27, 2012Raise$0.180 → $0.200+11.1%
Jan 26, 2012Raise$0.160 → $0.180+12.5%
Oct 28, 2011Raise$0.150 → $0.160+6.7%
Jul 28, 2011Raise$0.140 → $0.150+7.1%
Apr 28, 2011Raise$0.130 → $0.140+7.7%
Jan 27, 2011Raise$0.120 → $0.130+8.3%
Show all 32 changes since 1995
Ex-dateChangeOld → newMove
Oct 28, 2010Raise$0.100 → $0.120+20.0%
Jul 29, 2010Raise$0.0900 → $0.100+11.1%
Apr 29, 2010Raise$0.0800 → $0.0900+12.5%
Jan 28, 2010Cut$0.240 → $0.0800−66.7%
Mar 28, 2008Raise$0.238 → $0.240+0.8%
Dec 28, 2007Raise$0.238 → $0.238+0.2%
Mar 30, 2007Raise$0.233 → $0.238+2.1%
Dec 28, 2006Cut$0.235 → $0.233−1.1%
Mar 30, 2006Raise$0.233 → $0.235+0.8%
Dec 27, 2005Raise$0.223 → $0.233+4.5%
Mar 31, 2005Raise$0.214 → $0.223+4.5%
Apr 1, 2004Raise$0.202 → $0.214+5.8%
Jun 26, 2003Raise$0.192 → $0.202+5.0%
Dec 26, 2002Raise$0.190 → $0.192+1.0%
Sep 27, 2002Raise$0.178 → $0.190+7.1%
Mar 27, 2002Raise$0.176 → $0.178+1.0%
Dec 27, 2001Raise$0.163 → $0.176+7.7%
Nov 22, 2000Raise$0.149 → $0.163+9.4%
Nov 28, 1995Raise$0.0985 → $0.105+6.2%
Mar 28, 1995Raise$0.0954 → $0.0985+3.2%
Every CZNC payment →Download every raise and cut (CSV)
CZNC ex-dividend date & scheduleNext ex-date Aug 3, 2026 · full ex-dividend historyView →CZNC dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is CZNC a good dividend stock?

Yes. Citizens & Northern Corporation (CZNC) pays a quarterly dividend yielding 4.39% ($1.12/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.

Is CZNC undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, CZNC's fair value is about $34.99 versus a $25.50 share price — so it looks undervalued (+37% vs. fair value).

Is CZNC's dividend safe?

CZNC has a dividend-safety grade of A (83/100), based on its payout coverage, free-cash-flow, 0-year growth streak, a dividend cut in 2010, debt and yield-versus-history.

What is CZNC's fair value?

Our blended fair-value estimate for CZNC is about $34.99 per share, roughly 37% above the current $25.50 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is CZNC a buy, hold, or sell?

We don't issue formal ratings, but on the data CZNC screens as "yes" and undervalued. Citizens & Northern Corporation (CZNC) pays a quarterly dividend yielding 4.39% ($1.12/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding. This is research for your own analysis, not investment advice.

Will CZNC cut its dividend?

CZNC earns a dividend-safety grade of A (83/100), and has cut its dividend before (last in 2010). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does CZNC pay a dividend?

Yes. Citizens & Northern Corporation pays a quarterly dividend of about $1.12 per share annually, a forward yield of roughly 4.39%.

What is CZNC's dividend yield?

As of Oct 18, 2026, CZNC's forward dividend yield is 4.39%, based on a $1.12 annual dividend and a $25.50 share price.

What is CZNC's dividend per share?

As of Oct 18, 2026, CZNC pays $1.12 per share per year, distributed on a quarterly basis.

What is CZNC's dividend payout ratio?

As of Oct 18, 2026, CZNC's payout ratio is 76% of trailing 12-month earnings — a moderate level that's generally sustainable.

How many years has CZNC grown its dividend?

CZNC does not currently have a long dividend-growth streak on record.

When is the next CZNC ex-dividend date?

As of Oct 18, 2026, CZNC's next ex-dividend date hasn't been announced. The most recent was Aug 3, 2026, for $0.28 per share.

Income Calculator

At $1.12 / yr per share

Per payment (quarterly)$28.00
Annual$112.00
Monthly avg$9.33

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