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Regional Mid Atlantic Banks

Citizens Northern Corporation (CNBC) is a bank holding company based in Dunnellen, New York. As of my knowledge up to 2021, the company operates through its subsidiary, Citizens Bank, providing a range of banking services to individuals, businesses, and government entities in western New York and northern Pennsylvania.

In terms of earnings, for the full year 2020, Citizens Northern reported net income of $16.7 million, representing an increase of 28.8% compared to $13.0 million in 2019. The company's earnings per share (EPS) for 2020 was $2.62, compared to $2.05 in 2019.

In terms of growth, Citizens Northern has been expanding its presence in western New York and northern Pennsylvania through strategic acquisitions and organic growth. In 2020, the company completed the acquisition of Community Bank, a community bank based in Andover, New York, which expanded Citizens Northern's footprint in western New York.

As of 2021, Citizens Northern has a market capitalization of around $180 million and trades on the NASDAQ stock exchange under the ticker symbol CZNC. The company's stock has performed relatively well in recent years, with a 5-year annualized total return of around 10.5% as of 2021. However, like all stocks, Citizens Northern's performance can be volatile, and past performance is not necessarily indicative of future results.

Overall, Citizens Northern Corporation is a well-established community bank with a strong presence in western New York and northern Pennsylvania. The company has reported solid earnings and growth in recent years, driven by strategic acquisitions and organic growth, and its stock has performed well despite market volatility.