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CZNC Dividend DRIP Calculator 2026
4.94% YieldFinancial ServicesCitizens & Northern Corporation · NASDAQ
Price: $22.69 · Annual div: $1.12/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When CZNC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CZNC → $376.3K in 10 years · $69.74/month
About Citizens & Northern Corporation (CZNC) — Dividend Analysis 2026
Citizens & Northern Corporation operates as the holding company for Citizens & Northern Bank, which offers a comprehensive suite of banking and mortgage services to both individual and corporate clients. Its financial product lineup features a range of lending options, including commercial, residential, and consumer loans, alongside specialized instruments like commercial letters of credit. Deposit offerings encompass various checking accounts, traditional and statement savings accounts, money market accounts, interest-bearing checking, individual retirement accounts (IRAs), and certificates of deposit (CDs). The company also provides wealth management services, covering the administration of trusts and estates, retirement and other employee benefit plans, and investment management. Through registered agents, it distributes personal and commercial insurance products, mutual funds, annuities, and educational savings accounts. Additionally, the corporation engages in the reinsurance of credit, mortgage, life, accident, and health insurance products. As of December 31, 2021, the company operated 31 branch offices, with 23 located in Pennsylvania's Northern tier/Northcentral region, 2 in New York State's Southern tier, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania. An additional lending office is situated in Elmira, New York. Founded in 1864, the company is headquartered in Wellsboro, Pennsylvania.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 CZNC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CZNC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 4.94% | 2.14% | $494 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 4.20% | 1.40% | $420 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.95% | 1.15% | $395 / yr |
| 🇬🇧 UK ISA | 0% | 4.94% | 2.14% | $494 / yr |
| 🇬🇧 UK Taxable | 8.75% | 4.51% | 1.71% | $451 / yr |
| 🇨🇦 TFSA | 0% | 4.94% | 2.14% | $494 / yr |
| 🇨🇦 CA Taxable | 25% | 3.71% | 0.91% | $371 / yr |
| 🇦🇺 Super (pension) | 15% | 4.20% | 1.40% | $420 / yr |
| 🇦🇺 AU Taxable | 30% | 3.46% | 0.66% | $346 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.64% | 0.84% | $364 / yr |
| 🇫🇷 FR Taxable | 30% | 3.46% | 0.66% | $346 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CZNC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.12/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CZNC Dividend Payment Schedule
CZNC pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CZNC vs Financial Services Benchmarks
How CZNC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CZNC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CZNC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2026-07-08 | 9 | $23.02 | $207.00 | ||
| Buy | 2026-07-08 | 198 | $23.02 | $4.6K | ||
| A-Award | 2026-06-19 | 6,861 | $21.86 | $150.0K | ||
| Buy | 2026-06-05 | 10 | $21.44 | $214.00 | ||
| Buy | 2026-06-05 | 190 | $21.44 | $4.1K | ||
| Sale | 2026-05-28 | 229 | $21.10 | $4.8K | ||
| J-Other | 2026-05-15 | 132 | $20.82 | $2.7K | ||
| J-Other | 2026-05-15 | 2 | $20.82 | $42.00 | ||
| J-Other | 2026-05-15 | 2 | $20.82 | $42.00 | ||
| J-Other | 2026-05-20 | 194 | $20.80 | $4.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CZNC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Citizens & Northern Corporation (CZNC) is currently trading at $22.69, 13% below its 52-week high. The current dividend yield is 4.94% based on an annual payout of $1.12 per share.
CZNC (Citizens & Northern Corporation) — 4.94% Dividend Yield Analysis
Citizens & Northern Corporation (CZNC) is a financial services stock currently trading at $22.69 with a dividend yield of 4.94%. The company pays an annual dividend of $1.12 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CZNC has grown its dividend at a compound annual rate of 4.1%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.