What if you'd held CZNC?
A $1,000 investment in Citizens & Northern Corp (CZNC) at the month-end close of 1994-04 would be worth $7,534 at the close of 2026-08 — +653.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $17,103.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1994
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1994 | $1,000 | — |
| 1995 | $1,103 | +10.3% |
| 1996 | $1,369 | +24.2% |
| 1997 | $1,842 | +34.5% |
| 1998 | $1,942 | +5.4% |
| 1999 | $1,506 | -22.5% |
| 2000 | $1,142 | -24.2% |
| 2001 | $1,544 | +35.3% |
| 2002 | $1,944 | +25.9% |
| 2003 | $2,622 | +34.9% |
| 2004 | $2,669 | +1.8% |
| 2005 | $2,647 | -0.8% |
| 2006 | $2,392 | -9.7% |
| 2007 | $2,036 | -14.9% |
| 2008 | $2,394 | +17.6% |
| 2009 | $1,206 | -49.7% |
| 2010 | $1,936 | +60.6% |
| 2011 | $2,492 | +28.7% |
| 2012 | $2,664 | +6.9% |
| 2013 | $3,053 | +14.6% |
| 2014 | $3,228 | +5.7% |
| 2015 | $3,456 | +7.1% |
| 2016 | $4,533 | +31.2% |
| 2017 | $4,333 | -4.4% |
| 2018 | $4,981 | +14.9% |
| 2019 | $5,572 | +11.9% |
| 2020 | $4,136 | -25.8% |
| 2021 | $5,706 | +37.9% |
| 2022 | $5,225 | -8.4% |
| 2023 | $5,419 | +3.7% |
| 2024 | $4,706 | -13.2% |
| 2025 | $5,406 | +14.9% |
| 2026 | $7,094 | +31.2% |
Best and worst month-end to buy
The best single month-end close to have bought CZNC was 1994-05 ($3.34): $1,000 then is $7,647 today. The worst was 2026-08 ($25.54): $1,000 then is $1,000.
FAQ
What would $1,000 in CZNC be worth today?
A $1,000 investment in Citizens & Northern Corp (CZNC) at the start of 1994 would be worth about $7,534 today, a total return of +653.4%. Dividends are reinvested in these figures.
What were the best and worst years for CZNC?
Citizens & Northern Corp (CZNC)'s strongest calendar year since 1994 was 2010, a +60.6% return — $1,000 held through that year became about $1,606 by year-end. Its weakest year was 2009, at -49.7%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CZNC have grown?
Investing $100 at the end of every month since 1994-04 would have grown to about $120,186 on $38,900 invested.
Did CZNC beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $17,103. CZNC trailed the S&P 500 by +55.9% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Citizens & Northern Corp (CZNC) historical total-return data from 1994-04 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices — adjusted for stock splits and reinvested dividends, the same convention used by major brokerages. End-of-day and live prices come from EODHD; parts of the deep historical series are carried over from Yahoo Finance data. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (EODHD): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via EODHD and Yahoo Finance. As of 2026-08. Not financial advice.