CITIZENS & NORTHERN CORP
CZNCNasdaq
$23.34
↓ -2.1%Jul 17 close · end-of-day
Price
1Y↑ +24.9%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$413.9M
Enterprise Value
$372.7M
P/E
—
P/S
—
P/B
1.2
EV/EBITDA
—
PEG
—
FCF Yield
9.1%
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$17.4M
Free Cash Flow (TTM)
$37.5M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
5.2%
ROIC
—
Debt / Equity
0.0
Net Cash
$41.2M
Return 1Y
+24.3%
Company profile
Citizens & Northern Corporation provides a range of banking and mortgage services to individual and corporate customers. The company reinsures credit and mortgage, life and accident, and health insurance products. As of December 31, 2021, it had 31 branch offices, including 23 in the Northern tier/Northcentral region of Pennsylvania, 2 in the Southern tier of New York State, 4 in Southeastern Pennsylvania, and 2 in Southcentral Pennsylvania.
- CEO
- J. Bradley Scovill
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 410
- Headquarters
- Pennsylvania
- Website
- cnbankpa.com
Management & directors
- Van Sant William F IiiEVP, CHIEF WEALTH OFFICER
- Balagour AlexanderEVP- CHIEF INFORMATION OFFICER
- Cwiklinski Kelley AEVP CHIEF COMM LENDING OFFICER
- Dunsmore Stan REXEC. VP, CHIEF CREDIT OFFICER
- Hughes Mark AEXEC. VP AND CFO
- Hoose Harold F IiiEXEC. VP
- James Glenn RichardEVP COUNSEL, CORP SECRETARY
- Reber John MEXEC. VP
- Rudy Thomas L JrEXEC. VP
- Runk David SEXEC. VP AND STRATEGIC ADVISOR
- Rush Blair TEXECUTIVE VICE PRESIDENT
- Scovill J BradleyPRESIDENT AND CEO
Roles derived from SEC Form 4 filings.
Earnings
CZNC Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.02↓ -95.1%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $19.2M | $30.6M | $26.6M | $24.1M | $26.0M | $23.4M |
| Diluted EPS | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | — |
| Operating cash flow | $24.8M | $34.8M | $34.6M | $33.5M | $33.0M | $32.0M |
| Free cash flow | $21.6M | $33.0M | $31.3M | $31.3M | $31.1M | $30.1M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $6.1M | $6.4M | $8.2M | $6.3M | $6.1M | $6.6M | $4.5M | $273,000.00 |
| Diluted EPS | $0.40 | $0.41 | $0.53 | $0.41 | $0.40 | $0.42 | — | $0.02 |
| Operating cash flow | $8.6M | $6.6M | $12.1M | $1.6M | $8.5M | $11.3M | $10.6M | $8.7M |
| Free cash flow | $8.0M | $6.4M | $11.7M | $1.0M | $8.0M | $10.9M | $10.1M | $8.5M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-08 | Pellegrino Frank G | Buy | 198 | $23.03 | $4,558.95 | filing |
| 2026-07-08 | Shattuck Katherine W | Buy | 9 | $23.03 | $207.23 | filing |
| 2026-06-19 | Van Sant William F III· EVP, CHIEF WEALTH OFFICER | Award | 6,861 | $21.86 | $149,981.46 | filing |
| 2026-06-05 | Pellegrino Frank G | Buy | 190 | $21.44 | $4,073.52 | filing |
| 2026-06-05 | Shattuck Katherine W | Buy | 10 | $21.44 | $214.40 | filing |
| 2026-05-28 | Trate Christian C | Sale | 229 | $21.10 | $4,831.90 | filing |
| 2026-05-20 | HUGHES MARK A· EXEC. VP AND CFO | J | 259 | $20.80 | $5,386.27 | filing |
| 2026-05-20 | Hoose Harold F III· EXEC. VP | J | 222 | $20.80 | $4,616.80 | filing |
| 2026-05-20 | RUDY THOMAS L JR· EXEC. VP | J | 194 | $20.80 | $4,034.50 | filing |
| 2026-05-20 | REBER JOHN M· EXEC. VP | J | 134 | $20.80 | $2,786.72 | filing |
| 2026-05-20 | Dunsmore Stan R· EXEC. VP, CHIEF CREDIT OFFICER | J | 132 | $20.80 | $2,745.12 | filing |
| 2026-05-20 | Watkins Tracy Ellen· EXEC. VP | J | 90 | $20.80 | $1,871.68 | filing |
| 2026-05-20 | SCOVILL J BRADLEY· PRESIDENT AND CEO | J | 89 | $20.80 | $1,850.88 | filing |
| 2026-05-20 | Rush Blair T· EXECUTIVE VICE PRESIDENT | J | 39 | $20.80 | $811.06 | filing |
| 2026-05-20 | Cwiklinski Kelley A· EVP CHIEF COMM LENDING OFFICER | J | 38 | $20.80 | $790.26 | filing |
| 2026-05-20 | Balagour Alexander· EVP- CHIEF INFORMATION OFFICER | J | 29 | $20.80 | $603.10 | filing |
| 2026-05-20 | James Glenn Richard· EVP COUNSEL, CORP SECRETARY | J | 5 | $20.80 | $103.98 | filing |
| 2026-05-20 | Runk David S· EXEC. VP AND STRATEGIC ADVISOR | J | 1 | $20.80 | $20.80 | filing |
| 2026-05-15 | Pellegrino Frank G | J | 653 | $20.82 | $13,592.20 | filing |
| 2026-05-15 | SCOVILL J BRADLEY· PRESIDENT AND CEO | J | 490 | $20.89 | $10,236.10 | filing |
| 2026-05-15 | REBER JOHN M· EXEC. VP | J | 418 | $20.82 | $8,700.67 | filing |
| 2026-05-15 | Kilmer Bobbi J | J | 161 | $20.85 | $3,356.85 | filing |
| 2026-05-15 | Loughery Robert G | J | 140 | $20.82 | $2,914.10 | filing |
| 2026-05-15 | Santiago Helen S | J | 132 | $20.82 | $2,747.58 | filing |
| 2026-05-15 | Shattuck Katherine W | J | 125 | $20.82 | $2,601.88 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.