CZNC - Citizens & Northern Corporation
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. It also offers wealth management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services; and a range of personal and commercial insurance products; mutual funds, annuities, educational savings accounts, and other investment products through registered agents.
As of May 15, 2026: spot at $20.43, ATM IV 54.6%, net GEX $7.6K.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market Cap
- $371.8M
- P/E Ratio
- 21.06
- Beta
- 0.44
- 52-Week Range
- 18.02-24.12
- Dividend Yield
- $1.12
- CEO
- J. Bradley Scovill
- Employees
- 386
- IPO Date
- Apr 5, 1994
- Exchange
- NASDAQ
What CZNC Looks Like to Options Traders Today
IV rank of 11.0% is subdued relative to the 1-year history, conditions that typically favor premium-buying or long-volatility structures (debit spreads, calendar spreads, long straddles); positive net gamma exposure ($7.6K) means dealers hedge against trend, damping realized volatility and biasing price toward heavy-OI strikes; the 25-delta skew (0.491) prices calls richer than puts, often reflecting upside speculation or squeeze risk.
What This Page Covers
The CZNC overview links into per-metric analysis views: max pain, gamma exposure, volatility skew, expected move, options chain, open interest history, and aggregate Greeks. Microstructure data is available on short interest, short volume, fail-to-deliver, and market structure. Corporate data is on fundamentals, earnings, analyst ratings, and insider trading.
Frequently asked CZNC overview questions
- What is CZNC?
- CZNC is the ticker symbol for Citizens & Northern Corporation, a listed security. Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides a range of banking and mortgage services to individual and corporate customers. The company offers lending products include commercial, mortgage, and consumer loans, as well as specialized instruments, such as commercial letters-of-credit; and deposit products, including various types of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. Listed on NASDAQ. CZNC is the equity ticker shown on this page; equity options traders use the security for directional, volatility, and income strategies via the listed options chain.
- What does the CZNC options snapshot look like today?
- As of May 15, 2026, the CZNC options snapshot shows spot at $20.43, ATM IV 54.6%, IV rank 11.0%, net GEX $7.6K, expected move 15.65%. The full options chain, Greeks by strike and expiration, per-strike open-interest distribution, dealer gamma and delta exposure, and the volatility skew surface are linked from this overview page. Each per-metric route refreshes once per trading session and reflects the most recent close-of-business listed-options state.
- What are CZNC's key statistics?
- Citizens & Northern Corporation (CZNC) carries a market capitalization of $371.8M, trailing P/E ratio of 21.06, beta of 0.44 relative to the broader market, 52-week range of 18.02-24.12. Full income statement, balance sheet, cash flow, and TTM ratio history is on the per-ticker fundamentals page; daily price history and 52-week levels are accessible from the same view. These structural inputs frame how the options market prices implied volatility around earnings windows and capital events.
- What sector or industry does CZNC belong to?
- Citizens & Northern Corporation operates in the Financial Services sector, in the Banks - Regional industry. Sector classification affects how the ticker correlates with sector ETFs, how it reacts to macro factors like rate moves and commodity prices, and how its options pricing compares to sector peers. Compare CZNC's implied volatility and skew against sector benchmarks to gauge whether the options market is pricing single-name or systemic risk relative to the broader peer group.
- How current is the CZNC data on this page?
- The options snapshot above is dated May 15, 2026 and refreshes once per session, with all per-strike Greeks and exposure aggregates recomputed at the daily close. Company-profile fields (sector, industry, market cap, P/E, IPO date) refresh from the vendor feed nightly. Financials and earnings refresh as 10-K and 10-Q filings are parsed (typically within several business days of the actual report). FINRA microstructure data refreshes on the source's cadence (daily for short volume, bi-monthly for short interest, weekly for the OTC volume file, twice-monthly for SEC FTD).