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CZNC

Citizens NorthernA
Nasdaq / Banks
Last Price
At close
2026-06-03
View Chart
Current thesis
The bull case is that Susquehanna meaningfully enlarged loans and deposits, fourth-quarter margin expanded sharply, and adjusted earnings suggest underlying earnings power is better than headline GAAP results implied. If integration costs fade and reserve pressure stabilizes, even modest confidence improvement could support upside from a subdued valuation base.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite.
What can break
Credit costs on acquired and legacy loans could stay elevated, especially if qualitative reserve factors do not ease.
Momentum
78
Value
50
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $23.50 · Bull $26.50 · Bear $20.50
Data freshness
Prices
As of 2026-06-03
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-03 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-03
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $24.25
Why
Momentum78 · Δ7d -
Value50 · Δ7d +0.2
Sentiment61 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
78
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
50
32% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.4
Sentiment
61
33% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 77.5 / Value 50.5 / Sentiment 60.8

Fundamentals (TTM)
As of 2026-06-02
Market Cap
$373.74M
Beta
0.54
Shares Out
17.8M
P/E (TTM)
11.5
P/S (TTM)
3.16
P/FCF (TTM)
22.44
Rev YoY
+1.7%
EPS YoY
+2.1%
Gross Margin
-
Op Margin
+29.3%
Net Debt
$21.11M
Current Ratio
-
As of 2026-06-03 • Updated nightlySource: Internal modelMethodology