CZNC
Citizens & Northern Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
25.80
▲ 0.10 (0.39%)
MARKET · —
Price
Open
25.70
Prev close
25.70
Day high
26.00
Day low
25.51
Volume
70.44K
Market cap
$462.72M
P/E (TTM)
17.55
52W range
18.87 – 26.26
Trailing performance
Returnvs SPY
1W
-0.69%
+0.7%
1M
+10.92%
+7.2%
3M
+21.76%
+18.7%
6M
+8.22%
-2.8%
YTD
+27.91%
+15.6%
1Y
+32.17%
+12.2%
3Y
+28.29%
-45.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$462.72M
Enterprise value$550.22M
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
Float17.03M
Short % of float2.34%
Dividend yield4.34%
Beta (5Y)0.39
Valuation & profitability ratios
Trailing P/E17.55
Forward P/E9.38
PEG ratio1.21
Price / sales—
Price / book1.34
EV / revenue4.32
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 |
|---|---|---|---|---|
| Total revenue | $106.13M | $108.32M | $107.85M | $108.77M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $23.25M | $25.75M | $23.96M | $26.38M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $23.25M | $25.75M | $23.96M | $26.38M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 upside4.65%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders4.15%
Held by institutions34.26%
Institutions holding146
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+15.37K
Net buying
Buy transactions
18
18.44K shares
Sell transactions
3
3.07K shares
Net transactions
+21
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
744.65K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 7, 26 | SHATTUCK KATHERINE W Director |
BUY | 8 | $202 | Direct |
| Aug 7, 26 | PELLEGRINO FRANK G Director |
BUY | 208 | $5.25K | Direct |
| 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 | SHATTUCK KATHERINE W Director |
BUY | 9 | $207 | Direct |
| Jul 8, 26 | PELLEGRINO FRANK G Director |
BUY | 198 | $4.56K | 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 | SHATTUCK KATHERINE W Director |
BUY | 10 | $217 | Direct |
| May 8, 26 | PELLEGRINO FRANK G Director |
BUY | 237 | $5.15K | Direct |
| Apr 23, 26 | LEHMAN TERRY L Director |
STOCK | 1.08K | $25.00K | Direct |
| Apr 23, 26 | PELLEGRINO FRANK G Director |
STOCK | 1.08K | $25.00K | Direct |
| Apr 23, 26 | SINGER AARON K Director |
STOCK | 1.08K | $25.00K | 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 | 51.11K | 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 |
Moving averages & technicals
SMA 10
25.80
0.00% from price
SMA 20
25.51
+1.16% from price
SMA 50
23.92
+7.86% from price
SMA 100
22.98
+12.27% from price
SMA 200
22.19
+16.24% from price
EMA 12
25.64
+0.61% from price
EMA 26
25.07
+2.92% from price
EMA 50
24.25
+6.38% from price
RSI (14)
65.4
Neutral
MACD (12,26,9)
0.58
Hist -0.07
ATR (14)
0.56
2.18% of price
Realised vol 30D
20.3%
Annualised
Bollinger upper
26.26
20, 2σ
Bollinger lower
24.75
20, 2σ
50 / 200 cross
Golden
23.92 vs 22.19
Trend bias
Above 200
+16.24%
Risk profile
Beta vs SPY
0.21
Less volatile than market
Correlation to SPY
0.12
Largely independent
Realised vol 30D
20.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.3%
Peak to trough
Max drawdown 5Y
-39.9%
Peak to trough
ATR 14
0.56
2.18% of price
Beta (reported)
0.39
5Y monthly, from filing
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.
Options analytics
Put / call volume
1.82
Put-heavy session
Put / call open interest
0.07
Positioning, not flow
Max pain
22.50
-12.8% from spot
ATM implied vol
54.1%
Nearest strike to spot
Skew (10% OTM)
+136.1%
Puts bid over calls
Call volume
17
Contracts, this expiry
Put volume
31
Contracts, this expiry
Heaviest call OI
25.00
24 contracts
Heaviest put OI
22.50
1 contracts
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.
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.
Headlines
Are Options Traders Betting on a Big Move in Citizens & Northern Corp Stock?
Zacks · 2d ago
Citizens & Northern (CZNC) Beats Q2 Earnings and Revenue Estimates
Zacks · 15d ago
Citizens & Northern: Q2 Earnings Snapshot
Associated Press · 15d ago
BCB Bancorp (BCBP) Reports Q2 Loss, Misses Revenue Estimates
Zacks · 19d ago
Citizens & Northern Corp's Dividend Analysis
GuruFocus.com · 19d ago
Citizens Financial Services (CZFS) Tops Q2 Earnings Estimates
Zacks · 23d ago
Camden National (CAC) Surpasses Q2 Earnings and Revenue Estimates
Zacks · 25d ago
Peapack-Gladstone (PGC) Lags Q2 Earnings Estimates
Zacks · 26d 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.