Stock Fundamentals

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: 386
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. Its 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. The company 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. It 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

Directors & Officers

Name Title Year Born
Mr. J. Bradley Scovill President, CEO & Director 1959
Ms. Kelley A. Cwiklinski Executive VP & Chief Commercial Lending Officer 1964
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

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.19M Sep 30, 2025 6.67% $0.00 -0.99%
Vanguard Group Inc 884.95K Dec 31, 2025 4.97% $0.00 7.52%
Dimensional Fund Advisors, Inc. 604.26K Dec 31, 2025 3.39% $0.00 3.16%
Geode Capital Management, LLC 365.81K Sep 30, 2025 2.05% $0.00 0.05%
Citizens & Northern Corp 321.09K Sep 30, 2025 1.80% $1.58 -0.64%
State Street Corp 318.01K Sep 30, 2025 1.78% $0.00 0.66%
Northern Trust Corp 126.10K Sep 30, 2025 0.71% $0.00 -1.55%
Pennsylvania Capital Management Inc 100.73K Dec 31, 2025 0.57% $0.56 -1.62%
IFS Group,LLC 82.98K Sep 30, 2025 0.47% $1.44 0.00%
Stone House Investment Management, LLC 76.60K Sep 30, 2025 0.43% $0.26 -22.99%
PNC Financial Services Group Inc 73.52K Sep 30, 2025 0.41% $0.00 0.00%
Bank of New York Mellon Corp 61.39K Sep 30, 2025 0.34% $0.00 5.45%
Logan Capital Management Inc 60.26K Sep 30, 2025 0.34% $0.05 0.00%
IVC Wealth Advisors LLC 58.19K Dec 31, 2025 0.33% $0.51 -6.09%
Renaissance Technologies Corp 52.86K Dec 31, 2025 0.30% $0.00 7.12%
QSV Equity Investors LLC 50.93K Sep 30, 2025 0.29% $1.03 0.00%
Charles Schwab Investment Management Inc 49.95K Dec 31, 2025 0.28% $0.00 12.42%
Stifel Financial Corp 48.68K Sep 30, 2025 0.27% $0.00 0.02%
Cetera Investment Advisers 45.17K Sep 30, 2025 0.25% $0.00 0.66%
Hudock Moyer Wealth Resources, LLC 43.74K Dec 31, 2025 0.25% $0.13 -1.43%

Shares Statistics

Shares Outstanding: 17.82M
Shares Float: 16.94M
% Insiders: 358.00%
% Institutions: 3,130.00%
Short % Float: 1.75%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 1.19M 6.67% ▼ 0.99% Sep 30, 2025
2 Vanguard Group Inc 884.95K 4.97% ▲ 7.52% Dec 31, 2025
3 Dimensional Fund Advisors, Inc. 604.26K 3.39% ▲ 3.16% Dec 31, 2025
4 Geode Capital Management, LLC 365.81K 2.05% ▲ 0.05% Sep 30, 2025
5 Citizens & Northern Corp 321.09K 1.80% ▼ 0.64% Sep 30, 2025
6 State Street Corp 318.01K 1.78% ▲ 0.66% Sep 30, 2025
7 Northern Trust Corp 126.10K 0.71% ▼ 1.55% Sep 30, 2025
8 Pennsylvania Capital Management Inc 100.73K 0.57% ▼ 1.62% Dec 31, 2025
9 IFS Group,LLC 82.98K 0.47% ▲ 0.00% Sep 30, 2025
10 Stone House Investment Management, LLC 76.60K 0.43% ▼ 22.99% Sep 30, 2025

Valuation Metrics

Enterprise Value: $543.73M
Trailing P/E: 15.38
Forward P/E: 11.19

Financial Highlights

Market Cap: $400.31M
P/E Ratio: $15.38
PEG Ratio: $0.00
Book Value: $19.17
Dividend/Share: $1.12
Dividend Yield: 4.83%
Earnings/Share: $1.46
Profit Margin: 20.09%
Operating Margin: 34.55%
ROA (TTM): 0.82%
ROE (TTM): 7.59%
Revenue (TTM): $116.63M
Revenue/Share (TTM): $7.31
Earnings Growth (YOY): -52.80%
Revenue Growth (YOY): 24.50%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 N/A 0.00x 0.89x 0.60x 0.00x
2024-12-31 0.17x 0.75x 0.89x 0.65x 6.10x
2023-12-31 0.24x 0.68x 0.90x 0.92x 5.50x
2022-12-31 0.26x 1.21x 0.90x 3.40x 8.66x
2021-12-31 0.32x 0.26x 0.87x 5.74x 1.99x
2020-12-31 0.25x 0.12x 0.87x 2.42x 1.45x
2019-12-31 0.29x 0.38x 0.85x 2.28x 3.69x
2018-12-31 0.38x 0.25x 0.85x 5.68x 1.74x
2017-12-31 0.37x 0.38x 0.85x 5.26x 3.19x
2016-12-31 0.41x 0.49x 0.85x 5.72x 4.04x
2015-12-31 0.45x 0.64x 0.85x 4.74x 5.03x
2014-12-31 125.86x 0.42x 0.85x 4.45x 3.18x
2013-12-31 0.51x 0.88x 0.85x 4.30x 5.87x
2012-12-31 140.75x 0.49x 0.86x 3.45x 2.70x
2011-12-31 0.48x 1.32x 0.87x 2.37x 6.41x
2010-12-31 0.05x 1.09x 0.89x 1.29x 5.55x
2009-12-31 0.10x 1.24x 0.88x -2.53x -3.20x
2008-12-31 0.03x 2.01x 0.90x 0.40x 15.53x
2007-12-31 0.04x 1.90x 0.89x 0.39x 15.99x
2006-12-31 0.04x 1.15x 0.88x 0.48x 8.54x
2005-12-31 0.04x 1.43x 0.89x 0.61x 10.35x
2004-12-31 0.03x 1.89x 0.88x 0.78x 12.86x
2003-12-31 0.03x 1.80x 0.88x 0.84x 10.63x
2002-12-31 0.03x 1.85x 0.89x 0.71x 10.86x
2001-12-31 0.03x 1.63x 0.88x 0.53x 9.98x
2000-12-31 0.03x 1.07x 0.88x 0.34x 10.72x
1999-12-31 0.04x 1.16x 0.89x 0.60x 6.37x
1998-12-31 0.04x 0.13x 0.86x 0.64x 0.81x
1997-12-31 0.04x 0.00x 0.86x 0.57x 0.00x
1996-12-31 0.05x 0.00x 0.88x 0.53x 0.00x
1995-12-31 0.04x 0.00x 0.89x 0.42x 0.00x
1994-12-31 0.04x 0.00x 0.91x 0.47x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
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 Frank G Pellegrino N/A Purchase 212.00 $19.14 $4.06K
Nov 07, 2025 Katherine W Shattuck N/A Purchase 20.00 $19.14 $382.80
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
Apr 04, 2025 Frank G Pellegrino N/A Purchase 289.00 $18.49 $5.34K
Apr 04, 2025 Frank G Pellegrino N/A Purchase 289.00 $18.49 $5.34K
Mar 07, 2025 Frank G Pellegrino N/A Purchase 232.00 $20.15 $4.67K

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