Citizens & Northern Corp. (CZNC)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 810958 · fiscal year ends in Dec
Closing price $27.85 on 29 Oct 2026; 52-week range $19.02 to $28.19.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $142.5M
- Revenue growth
- 27.7%
- Net income, last twelve months
- $25.3M
- Earnings per share
- $1.48
- Net margin
- 17.8%
- Free cash flow
- $44.8M
- Return on equity
- 7.3%
- Market value
- $499.7M
- Price to earnings
- 18.8x
- Cash
- $82.5M
- Debt
- $170.0M
- Debt to equity
- 0.49
- Shares outstanding
- 17.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $122.7M | – | $23.4M | $1.46 | $30.1M | 10-K filed 6 Mar 2026 |
| FY2024 | 31 Dec 2024 | $108.3M | – | $26.0M | $1.69 | $31.1M | 10-K filed 6 Mar 2025 |
| FY2023 | 31 Dec 2023 | $104.8M | – | $24.1M | $1.57 | $31.3M | 10-K filed 11 Mar 2024 |
| FY2022 | 31 Dec 2022 | $107.6M | – | $26.6M | $1.71 | $31.3M | 10-K filed 16 Mar 2023 |
| FY2021 | 31 Dec 2021 | $103.8M | – | $30.6M | $1.92 | $33.0M | 10-K filed 22 Feb 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $39.4M | $14.1M | $0.79 |
| Q1 FY2026 | 31 Mar 2026 | $36.6M | $273.0K | $0.02 |
| Q4 FY2025 | 31 Dec 2025 | $36.9M | $4.5M | $0.25 |
| Q3 FY2025 | 30 Sep 2025 | $29.6M | $6.6M | $0.42 |
| Q2 FY2025 | 30 Jun 2025 | $29.3M | $6.1M | $0.40 |
| Q1 FY2025 | 31 Mar 2025 | $27.0M | $6.3M | $0.41 |
| Q4 FY2024 | 31 Dec 2024 | $28.0M | $8.2M | $0.53 |
| Q3 FY2024 | 30 Sep 2024 | $27.3M | $6.4M | $0.41 |
Company events
The newest 8-K filings of 237 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 28 Oct 2026 | 8-K | Other events | 8.01, 9.01 |
| 22 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Sep 2026 | 8-K | Bylaws or fiscal year change | 5.03, 9.01 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 11 May 2026 | 8-K | Leadership change, Other events | 5.02, 8.01, 9.01 |
| 29 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 28 Apr 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 23 Apr 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 7 Nov 2025 | 8-K | Investor update | 7.01, 9.01 |
| 23 Oct 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 497 held.
| Filed | Form | Period |
|---|---|---|
| 28 Oct 2026 | 8-K | 22 Oct 2026 |
| 22 Oct 2026 | 8-K | 22 Oct 2026 |
| 22 Sep 2026 | 8-K | 18 Sep 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 30 Jul 2026 | N-PX | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 11 May 2026 | 8-K | 7 May 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 29 Apr 2026 | 8-K | 29 Apr 2026 |
| 28 Apr 2026 | 8-K | 23 Apr 2026 |
| 23 Apr 2026 | 8-K | 23 Apr 2026 |
| 13 Mar 2026 | ARS | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 2 Oct 2026 | Shattuck Katherine W, Director | Purchase | 8 | $25.51 | $204 | 10,719 | 5 Oct 2026 |
| 2 Oct 2026 | Pellegrino Frank G, Director | Purchase | 245 | $25.51 | $6.3K | 52,070 | 5 Oct 2026 |
| 4 Sep 2026 | Pellegrino Frank G, Director | Purchase | 178 | $26.17 | $4.7K | 51,825 | 8 Sep 2026 |
| 4 Sep 2026 | Shattuck Katherine W, Director | Purchase | 8 | $26.17 | $209 | 10,711 | 8 Sep 2026 |
| 7 Aug 2026 | Pellegrino Frank G, Director | Purchase | 208 | $25.21 | $5.2K | 51,108 | 10 Aug 2026 |
| 7 Aug 2026 | Shattuck Katherine W, Director | Purchase | 8 | $25.21 | $202 | 10,601 | 10 Aug 2026 |
| 3 Aug 2026 | Trate Christian C, Director | Sale outside a trading plan | 560 | $25.21 | $14.1K | 4,798 | 4 Aug 2026 |
| 31 Jul 2026 | Dorwart Stephen M, Director | Sale outside a trading plan | 2,278 | $25.37 | $57.8K | 4,270 | 3 Aug 2026 |
| 8 Jul 2026 | Shattuck Katherine W, Director | Purchase | 9 | $23.02 | $207 | 10,593 | 10 Jul 2026 |
| 8 Jul 2026 | Pellegrino Frank G, Director | Purchase | 198 | $23.02 | $4.6K | 50,900 | 10 Jul 2026 |
| 5 Jun 2026 | Shattuck Katherine W, Director | Purchase | 10 | $21.44 | $214 | 10,584 | 8 Jun 2026 |
| 5 Jun 2026 | Pellegrino Frank G, Director | Purchase | 190 | $21.44 | $4.1K | 50,702 | 8 Jun 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 30 Jan 2026 | The Vanguard Group | 13G amended | 4.97% | 884.9K |
| 21 Jan 2026 | BlackRock, Inc. | 13G amended | 6.4% | 1.1M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 327.5K | -5.89% | 6.43 |
| 30 Sep 2026 | 348.0K | -13.35% | 6.46 |
| 15 Sep 2026 | 401.6K | +7.18% | 7.14 |
| 31 Aug 2026 | 374.7K | +1.12% | 4.92 |
| 14 Aug 2026 | 370.6K | -7.37% | 6.12 |
| 31 Jul 2026 | 400.0K | +20.06% | 5.53 |
| 15 Jul 2026 | 333.2K | -12.25% | 5.97 |
| 30 Jun 2026 | 379.7K | +29.33% | 3.61 |
Funds that hold it
From each fund's latest Form 13F.
104 funds held it at 30 Jun 2026: 47 added and 27 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 1,359,308 | $31.7M | +171,393 |
| Vanguard Capital Management LLC | 761,655 | $17.8M | +36,536 |
| Dimensional Fund Advisors LP | 637,124 | $14.9M | +16,837 |
| Geode Capital Management, LLC | 451,355 | $10.5M | +30,854 |
| Citizens & Northern Corp. | 349,492 | $8.1M | -10,361 |
| State Street Corp. | 337,931 | $7.9M | +2,567 |
| Northern Trust Corp. | 149,961 | $3.5M | +11,987 |
| Vanguard Portfolio Management LLC | 145,999 | $3.4M | +47,131 |
| Bank of New York Mellon Corp | 122,662 | $2.9M | +7,947 |
| Vanguard Fiduciary Trust Co. | 120,612 | $2.8M | +1,373 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $118.0B
- Bank of New York Mellon Corp. (BNY): revenue $21.4B, market value $101.3B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $81.3B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $49.4B
- State Street Corp. (STT): revenue $15.5B, market value $47.4B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $32.4B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $31.3B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.8B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $27.7B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $27.5B