CZNC

Citizens & Northern Corp

CZNC.US cnbankpa.com + Research + Basket
CIK 0000810958
Employees 460
Phone 570 724 3411
Fiscal year end December
IPO May 30, 1996
Address 90-92 Main Street, Wellsboro, PA, United States, 16901
27.98
+0.49 (+1.76%)
USD · NASDAQ
52-week range
18.20
28.31
Trading at 97% of the 52-week range
Market Cap
493.03M
P/E Ratio
14.03
Forward P/E
11.19
Book Value
19.13
Div. Yield
4.02%
% Institutions
34.29%
% Insiders
4.20%

1 Year

+47.8%

3 Year

+77.2%

10 Year

+113.4%
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.

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People

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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

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

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.36M Jun 30, 2026 7.58% $0.00 14.43%
Vanguard Capital Management, LLC 761.66K Jun 30, 2026 4.25% $0.00 5.04%
Dimensional Fund Advisors, Inc. 637.12K Jun 30, 2026 3.55% $0.00 2.71%
Geode Capital Management, LLC 451.36K Jun 30, 2026 2.52% $0.00 7.34%
Citizens & Northern Corp 349.49K Jun 30, 2026 1.95% $1.86 -2.88%
State Street Corp 337.93K Jun 30, 2026 1.88% $0.00 0.77%
Northern Trust Corp 149.96K Jun 30, 2026 0.84% $0.00 8.69%
Vanguard Portfolio Management, LLC 146.00K Jun 30, 2026 0.81% $0.00 47.67%
Bank of New York Mellon Corp 122.66K Jun 30, 2026 0.68% $0.00 6.93%
Vanguard Fiduciary Trust Co 120.61K Jun 30, 2026 0.67% $0.00 1.15%
Pennsylvania Capital Management Inc 99.97K Jun 30, 2026 0.56% $0.59 0.00%
Citadel Advisors Llc 74.11K Jun 30, 2026 0.41% $0.00 229.76%
PNC Financial Services Group Inc 72.32K Jun 30, 2026 0.40% $0.00 0.03%
Two Sigma Investments LLC 64.34K Jun 30, 2026 0.36% $0.00 41.24%
Morgan Stanley - Brokerage Accounts 61.02K Jun 30, 2026 0.34% $0.00 116.52%
Logan Capital Management Inc 60.26K Jun 30, 2026 0.34% $0.05 0.00%
AQR Capital Management LLC 55.16K Jun 30, 2026 0.31% $0.00 15.84%
IVC Wealth Advisors LLC 54.61K Jun 30, 2026 0.30% $0.50 -3.46%
Charles Schwab Investment Management Inc 54.32K Jun 30, 2026 0.30% $0.00 9.85%
Renaissance Technologies Corp 52.99K Jun 30, 2026 0.30% $0.00 -0.84%

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% Sep 30, 2026
2 iShares Russell 2000 ETF 460.84K 2.57% ▼ 1.14% Sep 30, 2026
3 Fidelity Small Cap Index 196.32K 1.09% ▲ 0.20% Jul 31, 2026
4 iShares Russell 2000 Value ETF 168.83K 0.94% ▲ 0.15% Sep 30, 2026
5 DFA US Targeted Value I 107.18K 0.60% ▲ 0.00% Aug 31, 2026
6 Vanguard Russell 2000 ETF 101.89K 0.57% ▲ 1.15% Sep 30, 2026
7 Dimensional US Targeted Value ETF 90.37K 0.50% ▲ 0.03% Sep 30, 2026
8 Fidelity Extended Market Index 87.85K 0.49% ▼ 0.53% Aug 31, 2026
9 DFA US Small Cap I 75.07K 0.42% ▲ 0.00% Aug 31, 2026
10 Dimensional US Small Cap ETF 58.96K 0.33% ▲ 0.00% Sep 30, 2026

Financial Highlights

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Market Cap: $493.03M
P/E Ratio: $14.03
PEG Ratio: $1.21
Book Value: $19.13
Dividend/Share: $1.12
Dividend Yield: 4.02%
Earnings/Share: $1.96
Profit Margin: 24.60%
Operating Margin: 47.75%
ROA (TTM): 1.21%
ROE (TTM): 11.01%
Revenue (TTM): $142.59M
Revenue/Share (TTM): $8.04
Earnings Growth (YOY): 116.90%
Revenue Growth (YOY): 55.90%

Valuation Metrics

Enterprise Value: $556.93M
Trailing P/E: 14.03
Forward P/E: 11.19

Shares Statistics

Shares Outstanding: 17.93M
Shares Float: 17.04M
% Insiders: 4.20%
% Institutions: 34.29%
Short % Float: 1.92%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
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

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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