CZNC

Citizens & Northern Corp

CZNC.US cnbankpa.com
25.93
+0.19 (+0.74%)
USD · NASDAQ
52-week range
18.02
26.26
Trading at 96% of the 52-week range
Market Cap
465.05M
P/E Ratio
17.52
Forward P/E
11.19
Book Value
19.29
Div. Yield
4.35%
% Institutions
33.89%
% Insiders
4.16%

1 Year

+37.3%

3 Year

+76.7%

10 Year

+104.4%
Description

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Company Information

Company Name
Citizens & Northern Corp
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US1729221069
CIK: 0000810958
CUSIP: 172922106
Currency: USD
Full Time Employees: 460
Phone: 570 724 3411
Fiscal Year End: December
IPO Date: May 30, 1996
Description:

Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit. It also offers wealth management services, including 401(k) plans, retirement planning, estate planning and settlements, and asset management; insurance products to individuals and businesses, and through a broker-dealer arrangement; and mutual funds, annuities, educational savings accounts, and other investment products through registered agents, as well as reinsures credit and mortgage life and accident and health insurance. The company operates in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania, and Southcentral Pennsylvania. Citizens & Northern Corporation was founded in 1864 and is headquartered in Wellsboro, Pennsylvania.

Address:

90-92 Main Street, Wellsboro, PA, United States, 16901

People

Directors & Officers

Name Title Year Born
Mr. J. Bradley Scovill President, CEO & Director 1959
Mr. Mark A. Hughes Treasurer 1962
Mr. Philip Prough CFP, CIMA Senior VP & Chief Investment Strategist NA
Ms. Shelley L. D'Haene Executive VP and Chief Digital Channels & Payments Officer 1961
Mr. Ryan J. Satalin SVP & Regional Commercial Lending Executive NA
Mr. Jeffrey G. Hollenbach Executive VP & Region President NA
Mr. David S. Runk Executive VP & Strategic Advisor 1964
Mr. Chau Nguyen Senior VP & Senior Commercial Lending Relationship Manager NA
Stephen Sherman Senior VP & Regional Commercial Lending Executive NA
Mr. Michael Kilgour Senior VP & Senior Commercial Lending Relationship Manager NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Apr 06, 2026 Katherine W Shattuck N/A Purchase 20.00 $22.55 $451.00
Apr 06, 2026 Frank G Pellegrino N/A Purchase 180.00 $22.55 $4.06K
Mar 06, 2026 Frank G Pellegrino N/A Purchase 185.00 $21.95 $4.06K
Mar 06, 2026 Katherine W Shattuck N/A Purchase 21.00 $21.95 $460.95
Feb 10, 2026 Katherine W Shattuck N/A Purchase 16.00 $23.22 $371.52
Jan 09, 2026 Frank G Pellegrino N/A Purchase 200.00 $20.38 $4.08K
Jan 09, 2026 Katherine W Shattuck N/A Purchase 19.00 $20.38 $387.22
Dec 05, 2025 Frank G Pellegrino N/A Purchase 316.00 $20.37 $6.44K
Dec 05, 2025 Katherine W Shattuck N/A Purchase 29.00 $20.37 $590.73
Nov 07, 2025 Katherine W Shattuck N/A Purchase 20.00 $19.14 $382.80
Nov 07, 2025 Frank G Pellegrino N/A Purchase 212.00 $19.14 $4.06K
Oct 03, 2025 Frank G Pellegrino N/A Purchase 207.00 $19.70 $4.08K
Oct 03, 2025 Katherine W Shattuck N/A Purchase 19.00 $19.70 $374.30
Aug 08, 2025 Frank G Pellegrino N/A Purchase 218.00 $18.66 $4.07K
Aug 08, 2025 Katherine W Shattuck N/A Purchase 20.00 $18.66 $373.20
Jul 07, 2025 Frank G Pellegrino N/A Purchase 203.00 $19.99 $4.06K
Jul 07, 2025 Katherine W Shattuck N/A Purchase 19.00 $19.99 $379.81
Jun 06, 2025 Frank G Pellegrino N/A Purchase 218.00 $18.60 $4.05K
Jun 06, 2025 Katherine W Shattuck N/A Purchase 20.00 $18.60 $372.00
Apr 29, 2025 Terry L Lehman N/A Purchase 1.40K $18.70 $26.18K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.19M Mar 31, 2026 6.62% $0.00 -0.30%
Vanguard Capital Management, LLC 725.12K Mar 31, 2026 4.04% $0.00 0.00%
Dimensional Fund Advisors, Inc. 637.12K Jun 30, 2026 3.55% $0.00 2.71%
Geode Capital Management, LLC 420.50K Mar 31, 2026 2.34% $0.00 1.04%
Citizens & Northern Corp 349.49K Jun 30, 2026 1.95% $1.86 -2.88%
State Street Corp 335.36K Mar 31, 2026 1.87% $0.00 3.89%
Northern Trust Corp 137.97K Mar 31, 2026 0.77% $0.00 7.49%
Vanguard Fiduciary Trust Co 119.24K Mar 31, 2026 0.66% $0.00 0.00%
Bank of New York Mellon Corp 114.72K Mar 31, 2026 0.64% $0.00 -0.06%
Pennsylvania Capital Management Inc 99.97K Jun 30, 2026 0.56% $0.59 0.00%
Vanguard Portfolio Management, LLC 98.87K Mar 31, 2026 0.55% $0.00 0.00%
PNC Financial Services Group Inc 72.30K Mar 31, 2026 0.40% $0.00 -1.60%
Squarepoint Ops LLC 60.48K Mar 31, 2026 0.34% $0.00 74.21%
The Goldman Sachs Group Inc 57.23K Mar 31, 2026 0.32% $0.00 35.67%
IVC Wealth Advisors LLC 54.61K Jun 30, 2026 0.30% $0.50 -3.46%
Renaissance Technologies Corp 53.44K Mar 31, 2026 0.30% $0.00 1.11%
Hudock Moyer Wealth Resources, LLC 50.80K Jun 30, 2026 0.28% $0.15 17.73%
AllianceBernstein L.P. 50.06K Mar 31, 2026 0.28% $0.00 -20.25%
Charles Schwab Investment Management Inc 49.45K Mar 31, 2026 0.28% $0.00 -1.01%
Stone House Investment Management, LLC 49.09K Jun 30, 2026 0.27% $0.15 -12.92%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 540.31K 3.01% ▲ 0.00% Jul 31, 2026
2 iShares Russell 2000 ETF 451.63K 2.52% ▼ 0.57% Aug 31, 2026
3 Vanguard Institutional Extnd Mkt Idx Tr 206.48K 1.15% ▲ 0.53% Jul 31, 2026
4 Fidelity Small Cap Index 195.93K 1.09% ▲ 12.03% Jun 30, 2026
5 iShares Russell 2000 Value ETF 180.65K 1.01% ▼ 0.23% Aug 31, 2026
6 Russell 2000 Index Non-Lendable Fund 130.05K 0.73% ▲ 21.05% Jun 30, 2026
7 Russell 2000 Equity Index Fund B 130.05K 0.73% ▲ 21.05% Jun 30, 2026
8 DFA US Targeted Value I 107.18K 0.60% ▲ 0.00% Jul 31, 2026
9 Vanguard Russell 2000 ETF 98.14K 0.55% ▼ 2.99% Jul 31, 2026
10 Dimensional US Targeted Value ETF 88.75K 0.49% ▲ 0.00% Aug 31, 2026

Financial Highlights

Market Cap: $465.05M
P/E Ratio: $17.52
PEG Ratio: $1.21
Book Value: $19.29
Dividend/Share: $1.12
Dividend Yield: 4.35%
Earnings/Share: $1.48
Profit Margin: 19.92%
Operating Margin: 42.23%
ROA (TTM): 0.88%
ROE (TTM): 8.02%
Revenue (TTM): $127.27M
Revenue/Share (TTM): $7.42
Earnings Growth (YOY): 100.20%
Revenue Growth (YOY): 53.20%

Valuation Metrics

Enterprise Value: $552.55M
Trailing P/E: 17.52
Forward P/E: 11.19

Shares Statistics

Shares Outstanding: 17.93M
Shares Float: 17.02M
% Insiders: 4.16%
% Institutions: 33.89%
Short % Float: 2.17%

Stock Price History

1 Year Price History

3 Years Price History

10 Years Price History

Financial Charts

Revenue, Net Income & Operating Cash Flow (Yearly)

Revenue, Net Income & Operating Cash Flow (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$154.19M
Cost of Goods Sold
adjust
$-53.44M
Gross Profit
subtotal
$100.75M
SG&A
adjust
$-53.25M
Other Operating Expense
adjust
$-18.86M
Operating Income
subtotal
$28.64M
Other / Non-Operating Items
adjust
$-5.22M
Net Income
subtotal
$23.43M

Earnings Per Share (EPS) History

Financial Ratios

📦 Raw API Data (JSON Explorer)

Assistant

×
Hello! I'm your AI assistant. I have access to the financial data on this page. Ask me anything about CZNC.US!