CZNC 10 Year Annualized Return and Average Annual Return

The CZNC 10 year annualized return is 6.25% with dividends reinvested through 07/17/2026. Investors often use annualized return to compare long-term performance because it shows the average yearly compounded return over a full period rather than just the headline total gain.

This page shows CZNC average annual return, total return, start and end dates, and the growth of a hypothetical $10,000 investment with dividends reinvested.

Quick links: Annualized Return Table  |  Performance Chart  |  FAQ
CZNC Average Annual Return Chart 10 Years
Growth of $10,000.00
With Dividends Reinvested Into CZNC

Also see:
• CZNC stock yearly return 2016
• CZNC stock yearly return 2017
• CZNC stock yearly return 2018
• CZNC stock yearly return 2019
• CZNC stock yearly return 2020
• CZNC stock yearly return 2021
• CZNC stock yearly return 2022
• CZNC stock yearly return 2023
• CZNC stock yearly return 2024
• CZNC stock yearly return 2025
• CZNC YTD return
Average Annual Return Benchmarks
Compare CZNC average annual return versus benchmarks:

S&P Average Annual Return
Dow Average Annual Return
Nasdaq 100 Average Annual Return
Russell 2000 Average Annual Return
Gold Average Annual Return
10 Year Treasury Average Annual Return
CZNC Share Performance
CZNC Average Annual Return Table 10 Years
Start date: 07/20/2016
End date: 07/17/2026
Start price/share: $20.97
End price/share: $23.34
Starting shares: 476.87
Ending shares: 785.62
Dividends reinvested/share: $11.05
Total return: 83.36%
CZNC Average Annual Return: 6.25%
Starting investment: $10,000.00
Ending investment: $18,332.31


CZNC average annual return is presented with the assumption of reinvestments of any dividends on ex-date.
About Citizens & Northern Corp
Citizens & Northern Corporation is a holding company whose principal activity is community banking. Co.'s subsidiaries include Citizens & Northern Bank (the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Co. (Bucktail). The Bank is a Pennsylvania banking institution, which provides a range of banking services, including deposit and loan products for personal and commercial customers. The Bank also provides wealth management services through its trust department and C&N Financial Services, LLC (CNFS). The trust department offers a range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management. The CZNC average annual return 10 years is shown above.

The Average Annual Return on the CZNC average annual return 10 years page and across the coverage universe of our site, is a measure of the annualized return over the past ten years (or specified start date) for a given investment (up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window to capture long-term trends.

Thus, researching Average Annual Returns is good practice for investors — whether CZNC average annual return 10 years or other benchmarks/peers — and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors by performing the CZNC average annual return calculation with any dividends reinvested as applicable (on ex-dates).
CZNC Current Stock Quote
Quotes delayed 20 minutes

Email EnvelopeFree CZNC Email Alerts:
Get Dividend Alerts
Get SEC Filing Alerts
Featured Slideshows
10 Most Oversold Stocks in the S&P
10 Most Overbought Stocks in the S&P
10 ETFs With Stocks That Insiders Are Buying
10 ETFs With Most Upside To Analyst Targets
The DividendRank Top 25
Warren Buffett Dividend Stocks
10 Cheap Dividend Stocks Under $10
10 Energy Stocks You Can Buy Cheaper Than Insiders Did
10 Top DividendRank'ed Energy Stocks
The 10 Highest Yielding Preferred Stocks
The 10 Highest Yielding Preferred Stocks
The 15 Most Active Call & Put Options of the S&P 500 Components
Video: Don't Forget Dividends in Average Annual Return!
Video: Don't Forget Dividends in Average Annual Return!
Average Annual Return Peers
Citizens and Northern (CZNC) is categorized under the Financials sector; to help you further research average annual return performance across stocks, below are some other companies in the same sector:

CZWI Average Annual Return
DB Average Annual Return
DBC Average Annual Return
DBL Average Annual Return
DBO Average Annual Return
DBRG Average Annual Return
DCOM Average Annual Return
DEA Average Annual Return
DEI Average Annual Return
DEM Average Annual Return
More Financials companies »
What has the average annual return been for CZNC over the past ten years?
✔️Accepted answer: The ten year CZNC average annual return has been 6.25% with dividends reinvested.

When you say 'with dividends reinvested' what does that mean?
✔️Accepted answer: That means that each time the stock goes ex-dividend, the average annual return calculation then factors in how that dividend amount could have been reinvested into more shares of CZNC at the then-current price — often this is referred to as 'compounding' and is very important when considering average annual return over a long period like a full decade.

What start date was used in your CZNC average annual return calculation?
✔️Accepted answer: The start date was 07/20/2016.

What end date was used in your CZNC average annual return calculation?
✔️Accepted answer: The end date was 07/17/2026.

If I had invested $10,000 into CZNC ten years ago, how much would I have today?
✔️Accepted answer: With dividends reinvested, as of 07/17/2026, you would have $18,332.31.

What does that work out to on a total return basis?
✔️Accepted answer: The CZNC ten year total return ending 07/17/2026 works out to 83.36%.


Also see:
• CZNC stock yearly return 2016
• CZNC stock yearly return 2017
• CZNC stock yearly return 2018
• CZNC stock yearly return 2019
• CZNC stock yearly return 2020
• CZNC stock yearly return 2021
• CZNC stock yearly return 2022
• CZNC stock yearly return 2023
• CZNC stock yearly return 2024
• CZNC stock yearly return 2025
• CZNC YTD return
 

CZNC 10 Year Annualized Return & Average Annual Return | www.AverageAnnualReturn.com | Copyright © 2021 - 2026, All Rights Reserved

Nothing in AverageAnnualReturn.com is intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by BNK Invest Inc. or any of its affiliates, subsidiaries or partners. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. All viewers agree that under no circumstances will BNK Invest, Inc,. its subsidiaries, partners, officers, employees, affiliates, or agents be held liable for any loss or damage caused by your reliance on information obtained. By visiting, using or viewing this site, you agree to the following Full Disclaimer & Terms of Use and Privacy Policy. Video widget and market videos powered by Market News Video. Quote and option data delayed at least 15 minutes; stock quote data powered by Ticker Technologies, and Mergent.