CZNC
Citizens & Northern Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+34/100
Last price
25.43
▼ 0.07 (0.27%)
MARKET · —
Price
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
—
Prev close
25.50
Day high
25.63
Day low
25.43
Volume
31.51K
Market cap
$456.08M
P/E (TTM)
17.30
52W range
18.87 – 26.37
Trailing performance
Returnvs SPY
1W
+0.59%
-1.4%
1M
-2.60%
-3.8%
3M
+12.08%
+7.6%
6M
+11.10%
-7.1%
YTD
+26.08%
+11.8%
1Y
+30.61%
+14.2%
3Y
+44.90%
-37.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CZNC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+14.88K
Net buying
Buy transactions
19
18.50K shares
Sell transactions
4
3.63K shares
Net transactions
+23
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
753.62K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Oct 2, 26 | PELLEGRINO FRANK G Director |
BUY | 245 | $6.25K | Direct |
| Oct 2, 26 | SHATTUCK KATHERINE W Director |
BUY | 8 | $204 | Direct |
| Aug 7, 26 | PELLEGRINO FRANK G Director |
BUY | 208 | $5.25K | Direct |
| Aug 7, 26 | SHATTUCK KATHERINE W Director |
BUY | 8 | $202 | Direct |
| Aug 3, 26 | TRATE CHRISTIAN C Director |
SELL | 560 | $14.12K | Indirect |
| Aug 3, 26 | TRATE CHRISTIAN C Director |
SELL | 560 | $14.12K | Indirect |
| Jul 31, 26 | DORWART STEPHEN M Director |
SELL | 2.28K | $57.80K | Indirect |
| Jul 8, 26 | PELLEGRINO FRANK G Director |
BUY | 198 | $4.56K | Direct |
| Jul 8, 26 | SHATTUCK KATHERINE W Director |
BUY | 9 | $207 | Direct |
| Jun 18, 26 | VAN SANT WILLIAM F III Officer |
STOCK | 6.86K | $149.98K | Direct |
| May 28, 26 | TRATE CHRISTIAN C Director |
SELL | 229 | $4.83K | Indirect |
| May 13, 26 | LEHMAN TERRY L Director |
BUY | 1.00K | $20.83K | Direct |
| May 8, 26 | PELLEGRINO FRANK G Director |
BUY | 237 | $5.15K | Direct |
| May 8, 26 | SHATTUCK KATHERINE W Director |
BUY | 10 | $217 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DUNSMORE STAN R. |
Officer | 33.62K | Stock Award(Grant) |
HOOSE HAROLD F III |
Officer | 59.99K | Stock Award(Grant) |
HUGHES MARK A |
Chief Financial Officer | 93.19K | Stock Award(Grant) |
LAMBERT LEO F |
Director | 43.84K | Purchase |
PELLEGRINO FRANK G |
Director | 52.07K | Purchase |
REBER JOHN M |
Officer | 45.12K | Stock Award(Grant) |
RUDY THOMAS L JR |
Officer | 54.12K | Stock Award(Grant) |
RUSH BLAIR T |
Officer | 33.83K | Stock Award(Grant) |
SCOVILL J BRADLEY |
Chief Executive Officer | 139.95K | Stock Award(Grant) |
TRATE CHRISTIAN C |
Director | — | Sale |
Fundamentals
Market cap$456.08M
Enterprise value$543.58M
Revenue (TTM)$127.27M
Gross profit$127.27M
EBITDA—
Net income$25.27M
EPS (TTM)$1.47
Free cash flow—
Total cash$83.59M
Total debt$171.09M
Book value / share$19.29
Shares outstanding17.93M
Float17.02M
Short % of float2.35%
Dividend yield4.39%
Beta (5Y)0.40
Valuation & profitability ratios
Trailing P/E17.30
Forward P/E9.25
PEG ratio1.21
Price / sales—
Price / book1.32
EV / revenue4.27
EV / EBITDA—
Gross margin0.00%
Operating margin42.23%
Profit margin19.92%
Return on equity8.02%
Return on assets0.88%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $120.84M | $106.51M | $103.14M | $105.96M | +13.5% |
| Operating revenue | $120.84M | $106.51M | $103.14M | $105.96M | +13.5% |
| Selling, general & admin | $47.39M | $44.93M | $44.20M | $41.83M | +5.5% |
| Pre-tax income | $28.64M | $31.87M | $30.48M | $32.35M | -10.1% |
| Tax provision | $5.22M | $5.91M | $6.33M | $5.73M | -11.8% |
| Net income | $23.43M | $25.96M | $24.15M | $26.62M | -9.8% |
| Net income to common | $23.25M | $25.75M | $23.96M | $26.38M | -9.7% |
| Basic EPS | 1.46 | 1.69 | 1.57 | 1.71 | -13.6% |
| Diluted EPS | 1.46 | 1.69 | 1.57 | 1.71 | -13.6% |
| Basic shares | 15.95M | 15.26M | 15.24M | 15.46M | +4.5% |
| Diluted shares | 15.95M | 15.26M | 15.24M | 15.46M | +4.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $46.06M | $126.17M | $56.88M | $55.05M | -63.5% |
| Accounts receivable | $11.59M | $8.73M | $9.14M | $8.65M | +32.7% |
| Property, plant & equipment | $27.75M | $21.34M | $21.63M | $21.57M | +30.1% |
| Goodwill & intangibles | $74.88M | $54.59M | $54.97M | $55.38M | +37.2% |
| Total assets | $3.13B | $2.61B | $2.52B | $2.45B | +20.0% |
| Current debt | $27.00M | $0 | $31.50M | $116.12M | — |
| Long-term debt | $160.85M | $205.18M | $177.88M | $62.60M | -21.6% |
| Total debt | $187.85M | $205.18M | $209.38M | $178.72M | -8.4% |
| Total liabilities | $2.79B | $2.34B | $2.25B | $2.20B | +19.5% |
| Retained earnings | $171.21M | $165.78M | $157.03M | $151.74M | +3.3% |
| Shareholder equity | $341.71M | $275.28M | $262.38M | $249.32M | +24.1% |
| Net tangible assets | $266.83M | $220.70M | $207.41M | $193.94M | +20.9% |
| Shares issued | 18.30M | 16.03M | 16.03M | 16.03M | +14.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $23.43M | $25.96M | $24.15M | $26.62M | -9.8% |
| Depreciation & amortisation | $2.36M | $2.18M | $2.15M | $2.39M | +8.2% |
| Stock-based compensation | $1.29M | $1.49M | $1.47M | $1.26M | -13.9% |
| Change in working capital | -$5.72M | $3.31M | $258.00K | -$4.67M | -272.8% |
| Operating cash flow | $32.00M | $33.03M | $33.55M | $34.60M | -3.1% |
| Capital expenditure | -$1.91M | -$1.91M | -$2.27M | -$3.29M | +0.1% |
| Investing cash flow | $196.00K | -$20.94M | -$53.20M | -$234.69M | +100.9% |
| Share buybacks | -$218.00K | -$629.00K | -$6.78M | -$9.35M | +65.3% |
| Dividends paid | -$16.29M | -$15.53M | -$15.57M | -$15.87M | -4.9% |
| Financing cash flow | -$111.07M | $58.70M | $24.73M | $151.94M | -289.2% |
| Free cash flow | $30.10M | $31.13M | $31.28M | $31.31M | -3.3% |
| End cash position | $44.71M | $123.57M | $52.78M | $47.70M | -63.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $38.88M | $36.07M | $36.33M | $29.04M | $28.88M | +7.8% |
| Operating revenue | $38.88M | $36.07M | $36.33M | $29.04M | $28.88M | +7.8% |
| Selling, general & admin | $13.20M | $13.20M | $13.27M | $11.29M | $11.07M | -0.0% |
| Pre-tax income | $17.43M | $335.00K | $5.39M | $8.02M | $7.53M | +5,101.5% |
| Tax provision | $3.37M | $62.00K | $926.00K | $1.46M | $1.42M | +5,332.3% |
| Net income | $14.06M | $273.00K | $4.47M | $6.55M | $6.12M | +5,049.1% |
| Net income to common | $14.06M | $273.00K | $4.44M | $6.50M | $6.07M | +5,049.1% |
| Basic EPS | 0.79 | 0.02 | 0.25 | 0.42 | 0.40 | +3,850.0% |
| Diluted EPS | 0.79 | 0.02 | 0.25 | 0.42 | 0.40 | +3,850.0% |
| Basic shares | 17.77M | 17.73M | 17.67M | 15.40M | 15.36M | +0.2% |
| Diluted shares | 17.77M | 17.73M | 17.67M | 15.40M | 15.36M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $82.54M | $54.80M | $46.06M | $123.09M | $99.62M | +50.6% |
| Accounts receivable | $10.94M | $11.90M | $11.59M | $9.66M | $8.72M | -8.1% |
| Property, plant & equipment | $26.71M | $27.26M | $27.75M | $21.05M | $21.20M | -2.0% |
| Goodwill & intangibles | $73.25M | $74.07M | $74.88M | $54.27M | $54.37M | -1.1% |
| Total assets | $3.15B | $3.16B | $3.13B | $2.66B | $2.61B | -0.4% |
| Current debt | $14.26M | $13.11M | $27.00M | $0 | $0 | +8.7% |
| Long-term debt | $155.39M | $179.46M | $160.85M | $172.76M | $183.72M | -13.4% |
| Total debt | $169.65M | $192.57M | $187.85M | $172.76M | $183.72M | -11.9% |
| Total liabilities | $2.81B | $2.83B | $2.79B | $2.37B | $2.32B | -0.8% |
| Retained earnings | $175.52M | $166.48M | $171.21M | $171.73M | $169.52M | +5.4% |
| Shareholder equity | $346.14M | $335.56M | $341.71M | $293.96M | $286.36M | +3.2% |
| Net tangible assets | $272.88M | $261.50M | $266.83M | $239.69M | $231.98M | +4.4% |
| Shares issued | 17.94M | 18.30M | 18.30M | 16.03M | 16.03M | -2.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $14.06M | $273.00K | $4.47M | $6.55M | $6.12M | +5,049.1% |
| Depreciation & amortisation | $689.00K | $687.00K | $687.00K | $561.00K | $562.00K | +0.3% |
| Stock-based compensation | $337.00K | $313.00K | $294.00K | $337.00K | $331.00K | +7.7% |
| Change in working capital | $2.95M | -$3.78M | $80.00K | $53.00K | $2.05M | +178.0% |
| Operating cash flow | $15.42M | $8.65M | $10.58M | $11.33M | $8.51M | +78.2% |
| Capital expenditure | -$150.00K | -$188.00K | -$452.00K | -$426.00K | -$485.00K | +20.2% |
| Investing cash flow | $36.48M | -$34.04M | $50.02M | -$29.11M | -$16.54M | +207.2% |
| Share buybacks | -$30.00K | -$180.00K | -$10.00K | $0 | $0 | +83.3% |
| Dividends paid | -$4.57M | -$4.60M | -$4.55M | -$3.91M | -$3.91M | +0.7% |
| Financing cash flow | -$23.92M | $34.12M | -$137.38M | $42.01M | -$6.84M | -170.1% |
| Free cash flow | $15.27M | $8.47M | $10.13M | $10.90M | $8.03M | +80.4% |
| End cash position | $81.44M | $53.45M | $44.71M | $121.49M | $97.27M | +52.4% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
25.00
-1.7% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
25.00
0 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.63 | 0.79 | +25.4% |
| Mar 2026 | 0.58 | 0.02 | -96.6% |
| Dec 2025 | 0.59 | 0.57 | -1.8% |
| Sep 2025 | 0.53 | 0.47 | -10.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.68 | 1 | $0 | — |
| Next quarter | 0.68 | 1 | $0 | — |
| Current year | 2.17 | 1 | $0 | — |
| Next year | 2.75 | 1 | $0 | — |
Analyst targets & ownership
Mean target$27.00
High target$27.00
Low target$27.00
Implied upside6.17%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders4.20%
Held by institutions34.03%
Institutions holding142
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
25.40
+0.11% from price
SMA 20
25.65
-0.86% from price
SMA 50
25.62
-0.74% from price
SMA 100
23.90
+6.38% from price
SMA 200
23.05
+10.30% from price
EMA 12
25.49
-0.23% from price
EMA 26
25.53
-0.38% from price
EMA 50
25.22
+0.82% from price
RSI (14)
48.1
Neutral
MACD (12,26,9)
-0.04
Hist -0.05
ATR (14)
0.49
1.92% of price
Realised vol 30D
14.1%
Annualised
Bollinger upper
26.26
20, 2σ
Bollinger lower
25.04
20, 2σ
50 / 200 cross
Golden
25.62 vs 23.05
Trend bias
Above 200
+10.30%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.16
Less volatile than market
Correlation to SPY
0.09
Largely independent
Realised vol 30D
14.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-15.3%
Peak to trough
Max drawdown 5Y
-39.9%
Peak to trough
ATR 14
0.49
1.92% of price
Beta (reported)
0.40
5Y monthly, from filing
Short interest
Shares short
401.61K
Prior 370.56K
Change vs prior
+8.4%
Shorts adding
% of float
2.35%
Normal
% of shares out
2.24%
Against total outstanding
Days to cover
6.0
Crowded exit
Float
17.02M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 29, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 24, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jun 27, 23 | Janney Montgomery Scott | INITIATED | — | Neutral |
| Apr 24, 23 | Piper Sandler | MAINTAINED | — | Neutral |
| Oct 27, 20 | Piper Sandler | MAINTAINED | — | Overweight |
| Sep 28, 20 | Piper Sandler | UPGRADE | Neutral | Overweight |
Dividends & splits
Forward rate$1.12 / yr
Forward yield4.39%
5-year avg yield5.07%
Payout ratio76.19%
Ex-dividend dateAug 3, 2026
Next pay dateAug 14, 2026
Last split101:100
Split dateDec 28, 2007
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-22
Periodic Financial Reports
10-Q · 2026-08-07
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-05-11
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-04-29
Corporate Changes & Voting Matters
8-K · 2026-04-28
Headlines
Are Options Traders Betting on a Big Move in Citizens & Northern Corp Stock?
Zacks · 48d ago
Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimates
Zacks · 61d ago
Citizens & Northern: Q2 Earnings Snapshot
Associated Press · 61d ago
Citizens & Northern Corp's Dividend Analysis
GuruFocus.com · 65d ago
Citizens Financial Services (CZFS) Tops Q2 Earnings Estimates
Zacks · 69d ago
Beacon Financial (BBT) Q2 Earnings Meet Estimates
Zacks · 69d ago
Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates
Zacks · 76d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.