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Citizens & Northern Corporation (CZNC)

Citizens & Northern Corporation at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Citizens & Northern Corporation (CZNC) is a Banks - Regional company based in US with a market capitalization of $377.2M. Revenue declined 0.8% year-over-year and the company generated $30.1M in free cash flow. This page tracks CZNC's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 386 employees · IPO Apr 5, 1994

Valuation

Valuation & price

$20.25 · as of May 17, 2026 · -15.8% vs 52w high

13.8

P/E ratio

Latest-FY diluted EPS

1.10

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$23.91$21.21$18.51Jul 25Dec 25Jul 26Jul 7, 25$19.84Jul 9, 25$20.12Jul 11, 25$19.88Jul 15, 25$19.46Jul 17, 25$19.84Jul 21, 25$19.66Jul 23, 25$19.79Jul 25, 25$19.22Jul 29, 25$19.19Jul 31, 25$19.02Aug 4, 25$18.51Aug 6, 25$18.55Aug 11, 25$18.76Aug 13, 25$19.85Aug 15, 25$19.11Aug 19, 25$19.32Aug 21, 25$19.48Aug 25, 25$20.13Aug 27, 25$20.24Aug 29, 25$20.20Sep 3, 25$20.05Sep 5, 25$20.17Sep 9, 25$20.02Sep 11, 25$20.22Sep 16, 25$19.83Sep 18, 25$20.55Sep 22, 25$19.98Sep 24, 25$19.93Sep 26, 25$19.90Sep 30, 25$19.81Oct 2, 25$19.52Oct 6, 25$19.55Oct 8, 25$19.53Oct 10, 25$19.27Oct 14, 25$19.57Oct 16, 25$19.01Oct 21, 25$19.23Oct 23, 25$19.24Oct 27, 25$19.54Oct 29, 25$19.24Oct 31, 25$19.36Nov 4, 25$19.13Nov 6, 25$19.04Nov 10, 25$19.22Nov 12, 25$19.41Nov 14, 25$19.60Nov 18, 25$19.50Nov 20, 25$19.05Nov 25, 25$20.10Nov 28, 25$20.16Dec 2, 25$20.16Dec 4, 25$20.50Dec 8, 25$20.37Dec 10, 25$21.23Dec 12, 25$21.67Dec 16, 25$21.98Dec 18, 25$21.88Dec 22, 25$20.94Dec 24, 25$20.66Dec 29, 25$20.36Jan 2, 26$19.97Jan 6, 26$20.19Jan 8, 26$20.41Jan 12, 26$20.37Jan 14, 26$21.03Jan 16, 26$21.45Jan 21, 26$22.28Jan 23, 26$21.62Jan 27, 26$21.66Jan 29, 26$22.33Feb 2, 26$22.70Feb 4, 26$23.62Feb 9, 26$23.31Feb 11, 26$23.16Feb 13, 26$23.88Feb 18, 26$23.48Feb 20, 26$23.84Feb 24, 26$22.74Feb 26, 26$23.21Mar 2, 26$22.93Mar 4, 26$22.87Mar 6, 26$22.30Mar 10, 26$22.31Mar 12, 26$21.67Mar 17, 26$21.91Mar 19, 26$21.71Mar 23, 26$22.11Mar 25, 26$22.03Mar 27, 26$22.00Mar 31, 26$22.34Apr 2, 26$22.42Apr 7, 26$22.89Apr 9, 26$23.91Apr 13, 26$23.64Apr 15, 26$23.42Apr 17, 26$23.73Apr 22, 26$23.18Apr 24, 26$23.13Apr 28, 26$23.65Apr 30, 26$22.08May 4, 26$21.53May 6, 26$21.73May 8, 26$21.63May 12, 26$21.00May 14, 26$20.76May 18, 26$20.61May 20, 26$21.00May 22, 26$21.07May 28, 26$21.16Jun 1, 26$20.70Jun 3, 26$20.37Jun 5, 26$21.35Jun 9, 26$21.63Jun 11, 26$21.88Jun 15, 26$21.49Jun 17, 26$21.57Jun 22, 26$21.55Jun 24, 26$22.51Jun 26, 26$23.49Jul 2, 26$23.63
$18.3952-week range$24.04
Loading valuation history…

Fundamentals

Key fundamentals

$377.2M

Market cap

-0.8%

Revenue growth (YoY)

65.3%

Gross margin

$30.1M

Free cash flow (USD)

-$144.3M

Net debt

Net cash position

4.5%

Share dilution

3/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$59.6MFY 2017$61.0MFY 2018$69.7MFY 2019$83.0MFY 2020$100.4MFY 2021$108.9MFY 2022$115.5MFY 2023$136.2MFY 2024$155.5MFY 2025$154.2M
$59.6M$154.2M

Free cash flow by year

2016 → 2025

FY 2016$16.9MFY 2017$17.7MFY 2018$24.7MFY 2019$19.6MFY 2020$21.6MFY 2021$33.0MFY 2022$31.3MFY 2023$31.3MFY 2024$31.1MFY 2025$30.1M
$16.9M$30.1M

Gross margin by year

2021 → 2025

FY 202190.6%FY 202285.5%FY 202375.6%FY 202467.1%FY 202565.3%
90.6%65.3%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

7

Insider buys · 90 days

1

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 8, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • Insider buyInsider Buy $4KPellegrino Frank G · Director · $4.1KJun 8, 2026Filing
  • Insider buyInsider Buy $214Shattuck Katherine W · Director · $214.4Jun 8, 2026Filing
  • Insider sellInsider Sell $5KTrate Christian C · Director · $4.8KMay 28, 2026Filing
  • Insider buyInsider Buy $21KLehman Terry L · Director · $20.8KMay 13, 2026Filing
  • Insider buyInsider Buy $5KPellegrino Frank G · Director · $5.2KMay 11, 2026Filing
  • Insider buyInsider Buy $217Shattuck Katherine W · Director · $217.5May 11, 2026Filing
  • 8-K eventExecutive Retirement and PromotionMay 11, 2026Filing
  • Quarterly report10-Q FiledMay 8, 2026Filing
  • 8-K eventEarnings ReleaseApr 29, 2026Filing
  • 8-K eventAnnual Shareholders MeetingApr 28, 2026Filing

Questions

Frequently asked questions

What is Citizens & Northern Corporation's market cap?

Citizens & Northern Corporation (CZNC) has a market capitalization of $377.2M.

What is CZNC's P/E ratio?

CZNC trades at a price-to-earnings ratio of 13.8, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is CZNC's price-to-book (P/B) ratio?

CZNC trades at 1.10 times book value per share.

Are insiders buying CZNC stock?

Yes — SEC Form 4 filings show 7 open-market insider buys and 1 sell at Citizens & Northern Corporation in the last 90 days.

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

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News

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Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.