Citizens & Northern Corp (CZNC)
Operating cash flow minus capital spending left $30.1M of free cash flow in fiscal 2025. At September 30, 2026 it held $100M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Citizens & Northern Corp
- Net worth
- Citizens & Northern Corp has a market value (market cap) of $507.8M at the latest share price, and shareholders' equity of $343.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $32M of cash; after $1.9M of capital spending, free cash flow was $30.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Citizens & Northern Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Citizens & Northern Corp does
Citizens & Northern Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker CZNC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $23.4M | $1.46 | $30.1M |
| 2024 | n/a | $26M | $1.69 | $31.1M |
| 2023 | n/a | $24.1M | $1.57 | $31.3M |
| 2022 | n/a | $26.6M | $1.71 | $31.3M |
| 2021 | n/a | $30.6M | $1.92 | $33M |
| 2020 | n/a | $19.2M | $1.30 | $21.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
It paid out $16.3M in cash dividends, 70% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | n/a | $16.3M | 70% |
| 2024 | n/a | $15.5M | 60% |
| 2023 | n/a | $15.6M | 64% |
| 2022 | n/a | $15.9M | 60% |
| 2021 | n/a | $16M | 52% |
| 2020 | n/a | $14.5M | 75% |
Latest SEC filings
What Citizens & Northern Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Form 13F-HR filing 13F-HR
- November 6, 2026
- October 28, 2026Other event 8-K
- October 22, 2026
- September 22, 2026
- August 7, 2026
- July 30, 2026Form N-PX filing N-PX
- July 23, 2026
- July 17, 2026Form 13F-HR filing 13F-HR
- May 11, 2026
Insider trades
What the people running Citizens & Northern Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $18.7K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 6, 2026 | Pellegrino Frank GDirector | Bought | 254 | $7.2K |
| November 6, 2026 | Shattuck Katherine WDirector | Bought | 7 | $197.5 |
| October 2, 2026 | Pellegrino Frank GDirector | Bought | 245 | $6.2K |
| October 2, 2026 | Shattuck Katherine WDirector | Bought | 8 | $204.1 |
| September 4, 2026 | Pellegrino Frank GDirector | Bought | 178 | $4.7K |
| September 4, 2026 | Shattuck Katherine WDirector | Bought | 8 | $209.3 |
| August 20, 2026 | Scovill J BradleyPRESIDENT AND CEO | Other changeindirect | 73 | $1.9K |
| August 20, 2026 | Reber John MEXEC. VP | Other changeindirect | 110 | $2.8K |
Who owns CZNC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
23 insiders reported holding 791,603 shares in total, about $22.4M at the last price.
| Holder | Shares |
|---|---|
| Scovill J BradleyPRESIDENT AND CEO | 141,0146,772 held indirectly |
| Hughes Mark AEXEC. VP AND CFO | 93,88919,761 held indirectly |
| Hoose Harold F IIIEXEC. VP | 60,58416,880 held indirectly |
| Rudy Thomas L JrEXEC. VP | 54,47814,822 held indirectly |
| Pellegrino Frank GDirector | 52,324 |
| Reber John MEXEC. VP | 46,59610,195 held indirectly |
| Lambert Leo FDirector | 44,549 |
| Rush Blair TEXECUTIVE VICE PRESIDENT | 33,9292,966 held indirectly |
| Dunsmore Stan REXEC. VP, CHIEF CREDIT OFFICER | 33,73410,034 held indirectly |
| Cwiklinski Kelley AEVP CHIEF COMM LENDING OFFICER | 32,6522,915 held indirectly |
Questions about CZNC
What does Citizens & Northern Corp do?
Citizens & Northern Corp is a company in the Finance sector, listed on NASDAQ as CZNC. Its shares trade on NASDAQ under the ticker CZNC.
What is Citizens & Northern Corp's net worth?
Citizens & Northern Corp has a market value (market cap) of $507.8M at the latest share price, and shareholders' equity of $343.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Citizens & Northern Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $35.1M.
When did Citizens & Northern Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 9, 2026.
When is Citizens & Northern Corp's next earnings report?
Citizens & Northern Corp's next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Citizens & Northern Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.