CITIZENS & NORTHERN CORP

CZNC

CITIZENS & NORTHERN CORP

CZNC

Insider Sentiment (TTM):

Last Purchase:2026-06-05Last Sale:2026-05-28Shares Purchased (TTM):3,283Shares Sold (TTM):229

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:5,383,181Shares Outstanding:17,732,537Institutional Ownership Pct.:30.36%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Due From Banks	26	31	22	27	26	36	21	26	27	18	25	26
Cash And Due From Banks
Interest Bearing Deposits In Banks	57	24	24	96	73	79	105	159	74	28	32	27
Cash And Cash Equivalents At Carrying Value	83	55	46	123	100	115	126	184	100	46	57	53
Debt Securities Available For Sale Excluding Accru…	497	497	507	415	406	408	402	408	401	405	416	429
Financing Receivable Excluding Accrued Interest Be…	-	2,385	2,354	1,945	1,919	1,898	1,896	1,893	1,893	1,872	1,848	1,831
Financing Receivable Allowance For Credit Loss Exc…	-	-34	-31	-23	-22	-20	-20	-20	-20	-20	-19	-18
Financing Receivable Excluding Accrued Interest Af…	-	2,351	2,323	1,922	1,898	1,878	1,876	1,872	1,873	1,852	1,829	1,813
Bank Owned Life Insurance	62	62	61	53	52	52	51	51	50	50	64	32
Accrued Investment Income Receivable	11	12	12	10	9	9	9	9	9	9	9	9
Property Plant And Equipment Net	27	27	28	21	21	21	21	22	22	22	22	21
Foreclosed Assets	0	0	0	0	0	0	0	0	0	0	0	1
Deferred Income Tax Assets Net	19	19	18	17	17	17	19	17	18	18	17	24
Goodwill	63	63	63	53	53	53	53	53	53	53	53	53
Finite Lived Intangible Assets Net	10	11	12	2	2	2	2	2	2	2	2	3
Other Assets	65	67	63	49	53	54	51	52	64	63	47	48
Assets	3,152	3,164	3,132	2,664	2,611	2,609	2,611	2,671	2,593	2,522	2,516	2,484
Liabilities
Noninterest Bearing Deposit Liabilities Domestic	558	568	531	508	507	489	487	513	502	494	491	496
Deposits
Deposits	2,604	2,600	2,565	2,166	2,110	2,102	2,094	2,136	2,059	1,996	2,015	2,025
Interest Bearing Deposit Liabilities Domestic	2,046	2,032	2,033	1,657	1,602	1,613	1,607	1,623	1,558	1,502	1,524	1,529
Short Term Borrowings	15	14	29	1	1	1	2	11	17	49	34	23
Federal Home Loan Bank Advances Long Term	130	139	121	133	144	154	165	175	186	149	138	125
Senior Notes	0	15	15	15	15	15	15	15	15	15	15	15
Subordinated Debt	25	25	25	25	25	25	25	25	25	25	25	25
Other Liabilities	32	36	37	30	30	30	34	32	28	27	27	31
Liabilities	2,806	2,829	2,791	2,370	2,325	2,327	2,335	2,394	2,330	2,260	2,253	2,244
Preferred Stock Value Outstanding	0	0	-	0	0	0	-	0	0	0	-	0
Common Stock Value Outstanding	18	18	18	16	16	16	16	16	16	16	16	16
Additional Paid In Capital	184	184	186	143	143	143	144	143	143	143	144	144
Stockholders Equity
Stockholders Equity	346	336	342	294	286	282	275	277	263	262	262	240
Retained Earnings Accumulated Deficit	176	166	171	172	170	168	166	162	160	158	157	157
Treasury Stock Value	-8	-9	-11	-11	-12	-12	-13	-14	-15	-15	-17	-17
Accumulated Other Comprehensive Income Loss Net Of…	-24	-25	-23	-26	-31	-33	-37	-30	-41	-41	-38	-60
Liabilities And Stockholders Equity	3,152	3,164	3,132	2,664	2,611	2,609	2,611	2,671	2,593	2,522	2,516	2,484
Preferred Stock Par Or Stated Value Per Share	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000	1,000
Preferred Stock Shares Authorized	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Liquidation Preference	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	30	30	30	30	30	30	30	30	30	30	30	30
Common Stock Shares Issued	18	18	18	16	16	16	16	16	16	16	16	16
Shares Outstanding	18	18	18	16	16	15	15	15	15	15	15	15
Treasury Stock Common Shares	0	0	0	0	1	1	1	1	1	1	1	1

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Interactive Financial Visualizations

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.64%	8.60%	12.58%	-	-	-	-	-	-	-	-	-
2025	-2.88%	0.37%	0.63%	8.08%	6.47%	4.17%	4.62%	7.06%	12.20%	-1.35%	3.72%	-4.32%
2024	-1.57%	0.45%	21.28%	13.02%	10.44%	6.68%	-0.58%	-10.05%	0.53%	-1.18%	-6.66%	-5.58%
2023	-	-	-	-12.81%	-16.43%	-14.94%	6.86%	17.37%	10.46%	0.68%	2.87%	1.20%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	6.31	4.47	5.43	5.81	5.52	5.40	2.87	2.07	1.88	1.75	1.92	2.31
Per Share Metrics
Diluted EPS TTM	1.43	0.98	-	1.76	1.75	1.76	1.70	1.44	1.52	1.52	1.58	1.83
Free Cash Flow Per Share TTM	2.52	2.12	1.89	2.06	1.77	1.77	2.04	1.72	1.80	1.77	2.05	2.12
Dividend Per Share TTM	0.99	0.96	1.02	1.02	1.02	1.02	1.02	1.02	1.01	1.02	1.02	1.03
Margin Metrics
Gross Profit Margin TTM	-4.01%	-672.13%	-692.57%	-962.20%	-978.71%	-1,023.28%	-1,045.07%	-865.12%	-818.26%	-693.55%	-590.89%	-275.43%
Operating Profit Margin TTM	66.98%	343.91%	479.30%	749.60%	732.71%	753.00%	745.35%	512.54%	553.17%	523.31%	547.57%	492.11%
Net Profit Margin TTM	54.47%	281.39%	392.02%	609.50%	595.29%	612.66%	607.06%	408.32%	439.41%	414.67%	433.77%	399.11%
Growth Metrics
Net Revenue Growth (1Y)	927.92%	40.65%	39.76%	-17.54%	-14.52%	-21.39%	-23.19%	-22.11%	-6.73%	4.66%	10.92%	-560.29%
Net Income Growth (1Y)	-5.94%	-35.40%	-9.75%	23.09%	15.81%	16.14%	7.50%	-20.32%	-5.13%	-10.68%	-9.28%	5.81%
EPS Growth (1Y)	-18.71%	-44.12%	-13.64%	22.04%	15.09%	15.32%	7.35%	-20.90%	-5.34%	-9.63%	-8.01%	7.27%
Valuation Metrics
P/E TTM	16.16	22.23	13.25	10.69	10.11	10.57	9.96	12.23	10.39	10.74	12.18	8.14
P/B TTM	1.18	1.15	0.91	0.99	0.95	1.01	0.94	0.97	0.92	0.95	1.12	0.94
P/S TTM	8.80	62.54	51.93	65.14	60.16	64.74	60.45	49.95	45.66	44.55	52.82	32.49
Market Cap	409.69M	386.90M	310.33M	290.00M	272.35M	284.72M	258.47M	269.67M	241.80M	249.28M	294.02M	225.24M
Enterprise Value	342.90M	362.03M	309.21M	184.95M	190.55M	188.07M	152.28M	114.61M	176.98M	270.61M	289.95M	215.00M
Calculated Values
Free Cash Flow TTM	44.77M	37.52M	30.10M	31.69M	27.24M	27.19M	31.13M	26.27M	27.45M	27.00M	31.28M	32.18M
Net Debt	-66.79M	-24.87M	-1.12M	-105.05M	-81.80M	-96.65M	-106.19M	-155.06M	-64.82M	21.33M	-4.07M	-10.24M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-05Purchase

Owner: Shattuck, Katherine W

Title: -

Shares: 10

Price/Share: $21.44

Value: $214.40

Shares Owned: 10,584

Relationship: Director

Ownership: Direct

2026-06-05Purchase

Owner: Pellegrino, Frank G

Title: -

Shares: 190

Price/Share: $21.44

Value: $4,073.60

Shares Owned: 50,702

Relationship: Director

Ownership: Direct

2026-05-28Sale

Owner: Trate, Christian C

Title: -

Shares: 229

Price/Share: $21.10

Value: $4,831.90

Shares Owned: 5,358

Relationship: Director

Ownership: Indirect

2026-05-13Purchase

Owner: Lehman, Terry L

Title: -

Shares: 1,000

Price/Share: $20.83

Value: $20,830.00

Shares Owned: 30,317

Relationship: Director

Ownership: Direct

2026-05-08Purchase

Owner: Pellegrino, Frank G

Title: -

Shares: 237

Price/Share: $21.75

Value: $5,154.75

Shares Owned: 49,859

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-05	Shattuck, Katherine W	Director	-	Direct	Purchase	10	21.44	$214.40	10,584	4
2026-06-05	Pellegrino, Frank G	Director	-	Direct	Purchase	190	21.44	$4,073.60	50,702	4
2026-05-28	Trate, Christian C	Director	-	Indirect	Sale	229	21.10	$4,831.90	5,358	4
2026-05-13	Lehman, Terry L	Director	-	Direct	Purchase	1,000	20.83	$20,830.00	30,317	4
2026-05-08	Pellegrino, Frank G	Director	-	Direct	Purchase	237	21.75	$5,154.75	49,859	4
2026-05-08	Shattuck, Katherine W	Director	-	Direct	Purchase	10	21.75	$217.50	10,449	4
2026-04-06	Shattuck, Katherine W	Director	-	Direct	Purchase	20	22.55	$451.00	9,359	4
2026-04-06	Pellegrino, Frank G	Director	-	Direct	Purchase	180	22.55	$4,059.00	48,542	4
2026-03-06	Pellegrino, Frank G	Director	-	Direct	Purchase	185	21.96	$4,062.60	48,362	4
2026-03-06	Shattuck, Katherine W	Director	-	Direct	Purchase	21	21.96	$461.16	9,339	4
2026-02-10	Shattuck, Katherine W	Director	-	Direct	Purchase	16	23.22	$371.52	9,224	4
2026-02-10	Pellegrino, Frank G	Director	-	Direct	Purchase	175	23.22	$4,063.50	47,629	4
2026-01-09	Shattuck, Katherine W	Director	-	Direct	Purchase	19	20.38	$387.22	9,208	4
2026-01-09	Pellegrino, Frank G	Director	-	Direct	Purchase	200	20.38	$4,076.00	47,454	4
2025-12-05	Pellegrino, Frank G	Director	-	Direct	Purchase	316	20.37	$6,436.92	47,254	4
2025-12-05	Shattuck, Katherine W	Director	-	Direct	Purchase	29	20.37	$590.73	9,689	4
2025-11-07	Pellegrino, Frank G	Director	-	Direct	Purchase	212	19.14	$4,057.68	46,292	4
2025-11-07	Shattuck, Katherine W	Director	-	Direct	Purchase	20	19.14	$382.80	9,541	4
2025-10-03	Pellegrino, Frank G	Director	-	Direct	Purchase	207	19.70	$4,077.90	46,080	4
2025-10-03	Shattuck, Katherine W	Director	-	Direct	Purchase	19	19.70	$374.30	9,521	4
2025-09-05	Pellegrino, Frank G	Director	-	Direct	Purchase	199	20.34	$4,047.66	45,873	4
2025-09-05	Shattuck, Katherine W	Director	-	Direct	Purchase	18	20.34	$366.12	9,502	4
2025-08-08	Shattuck, Katherine W	Director	-	Direct	Purchase	20	18.66	$373.20	9,368	4
2025-08-08	Pellegrino, Frank G	Director	-	Direct	Purchase	218	18.66	$4,067.88	45,044	4
2025-07-07	Shattuck, Katherine W	Director	-	Direct	Purchase	19	19.99	$379.81	9,348	4
2025-07-07	Pellegrino, Frank G	Director	-	Direct	Purchase	203	19.99	$4,057.97	44,826	4
2025-06-06	Shattuck, Katherine W	Director	-	Direct	Purchase	20	18.60	$372.00	9,329	4
2025-06-06	Pellegrino, Frank G	Director	-	Direct	Purchase	218	18.60	$4,054.80	44,623	4
2025-05-06	Lambert, Leo F	Director	-	Direct	Purchase	631	18.88	$11,913.28	43,835	4
2025-05-02	Shattuck, Katherine W	Director	-	Direct	Purchase	28	19.17	$536.76	9,197	4
2025-05-02	Pellegrino, Frank G	Director	-	Direct	Purchase	331	19.17	$6,345.27	43,804	4
2025-04-29	Lehman, Terry L	Director	-	Direct	Purchase	1,400	18.71	$26,194.00	28,237	4
2025-04-04	Pellegrino, Frank G	Director	-	Direct	Purchase	289	18.49	$5,343.61	42,203	4
2025-04-04	Shattuck, Katherine W	Director	-	Direct	Purchase	120	18.49	$2,218.80	7,899	4
2025-03-07	Shattuck, Katherine W	Director	-	Direct	Purchase	107	20.15	$2,156.05	7,779	4
2025-03-07	Pellegrino, Frank G	Director	-	Direct	Purchase	232	20.15	$4,674.80	41,914	4
2025-02-07	Shattuck, Katherine W	Director	-	Direct	Purchase	88	21.24	$1,869.12	7,575	4
2025-02-07	Pellegrino, Frank G	Director	-	Direct	Purchase	191	21.24	$4,056.84	41,151	4
2025-01-03	Pellegrino, Frank G	Director	-	Direct	Purchase	254	18.31	$4,650.74	40,960	4
2025-01-03	Shattuck, Katherine W	Director	-	Direct	Purchase	102	18.31	$1,867.62	7,820	4
2024-12-06	Shattuck, Katherine W	Director	-	Direct	Purchase	91	20.46	$1,861.86	7,718	4
2024-12-06	Pellegrino, Frank G	Director	-	Direct	Purchase	228	20.46	$4,664.88	40,706	4
2024-11-08	Shattuck, Katherine W	Director	-	Direct	Purchase	90	20.58	$1,852.20	7,539	4
2024-11-08	Pellegrino, Frank G	Director	-	Direct	Purchase	197	20.58	$4,054.26	39,947	4
2024-10-16	Dorwart, Stephen M	Director	-	Direct	Sale	4	19.79	$79.16	11,652	4
2024-10-04	Shattuck, Katherine W	Director	-	Direct	Purchase	100	18.81	$1,881.00	7,449	4
2024-10-04	Pellegrino, Frank G	Director	-	Direct	Purchase	216	18.81	$4,062.96	39,750	4
2024-09-06	Pellegrino, Frank G	Director	-	Direct	Purchase	212	19.15	$4,059.80	39,534	4
2024-09-06	Shattuck, Katherine W	Director	-	Direct	Purchase	97	19.15	$1,857.55	7,349	4
2024-08-02	Pellegrino, Frank G	Director	-	Direct	Purchase	221	18.35	$4,055.35	38,757	4
2024-08-02	Shattuck, Katherine W	Director	-	Direct	Purchase	101	18.35	$1,853.35	7,161	4
2024-07-08	Shattuck, Katherine W	Director	-	Direct	Purchase	110	16.94	$1,863.40	7,060	4
2024-07-08	Pellegrino, Frank G	Director	-	Direct	Purchase	239	16.94	$4,048.66	38,536	4
2024-06-07	Shattuck, Katherine W	Director	-	Direct	Purchase	109	17.15	$1,869.35	6,950	4
2024-06-07	Pellegrino, Frank G	Director	-	Direct	Purchase	237	17.15	$4,064.55	38,297	4
2024-05-29	Lehman, Terry L	Director	-	Direct	Purchase	1,500	17.00	$25,500.00	25,567	4
2024-05-08	Loughery, Robert G	Director	-	Direct	Purchase	94	17.68	$1,661.92	8,730	4
2024-05-08	Shattuck, Katherine W	Director	-	Direct	Purchase	94	17.68	$1,661.92	6,758	4
2024-05-08	Pellegrino, Frank G	Director	-	Direct	Purchase	113	17.68	$1,997.84	37,513	4
2024-05-03	Shattuck, Katherine W	Director	-	Direct	Purchase	159	17.88	$2,842.92	6,664	4/A
2024-05-03	Pellegrino, Frank G	Director	-	Direct	Purchase	282	17.88	$5,042.16	37,400	4/A
2024-04-08	Loughery, Robert G	Director	-	Direct	Purchase	274	18.11	$4,962.14	8,636	4
2024-04-08	Pellegrino, Frank G	Director	-	Direct	Purchase	489	18.11	$8,855.79	37,118	4
2024-04-08	Shattuck, Katherine W	Director	-	Direct	Purchase	467	18.11	$8,457.37	6,505	4
2024-03-08	Pellegrino, Frank G	Director	-	Direct	Purchase	94	17.97	$1,689.18	36,629	4
2024-03-08	Shattuck, Katherine W	Director	-	Direct	Purchase	94	17.97	$1,689.18	6,038	4
2024-02-02	Shattuck, Katherine W	Director	-	Direct	Purchase	107	21.19	$2,267.33	5,884	4
2024-02-02	Pellegrino, Frank G	Director	-	Direct	Purchase	79	21.19	$1,674.01	36,045	4
2024-01-05	Shattuck, Katherine W	Director	-	Direct	Purchase	371	22.25	$8,254.75	5,110	4
2024-01-05	Pellegrino, Frank G	Director	-	Direct	Purchase	443	22.25	$9,856.75	34,966	4
2024-01-05	Loughery, Robert G	Director	-	Direct	Purchase	224	22.25	$4,984.00	7,607	4
2023-12-08	Pellegrino, Frank G	Director	-	Direct	Purchase	82	20.79	$1,704.78	34,523	4
2023-12-08	Shattuck, Katherine W	Director	-	Direct	Purchase	82	20.79	$1,704.78	4,739	4
2023-11-03	Pellegrino, Frank G	Director	-	Direct	Purchase	83	19.09	$1,584.47	33,970	4
2023-10-06	Shattuck, Katherine W	Director	-	Direct	Purchase	420	18.23	$7,656.60	4,606	4
2023-10-06	Loughery, Robert G	Director	-	Direct	Purchase	273	18.23	$4,976.79	7,301	4
2023-10-06	Pellegrino, Frank G	Director	-	Direct	Purchase	475	18.23	$8,659.25	33,887	4
2023-09-01	Shattuck, Katherine W	Director	-	Direct	Purchase	179	18.33	$3,281.07	4,186	4
2023-09-01	Pellegrino, Frank G	Director	-	Direct	Purchase	211	18.33	$3,867.63	33,412	4
2023-08-28	Watkins, Tracy Ellen	Officer	EXEC. VP	Direct	Sale	356	19.27	$6,860.12	6,674	4
2023-08-21	Watkins, Tracy Ellen	Officer	EXEC. VP	Direct	Sale	496	19.45	$9,647.20	7,030	4
2023-08-04	Pellegrino, Frank G	Director	-	Direct	Purchase	104	21.05	$2,189.20	32,775	4
2023-08-04	Shattuck, Katherine W	Director	-	Direct	Purchase	104	21.05	$2,189.20	3,969	4
2023-07-07	Pellegrino, Frank G	Director	-	Direct	Purchase	461	19.20	$8,851.20	32,671	4
2023-07-07	Kilmer, Bobbi J	Director	-	Direct	Purchase	324	19.20	$6,220.80	13,292	4
2023-07-07	Loughery, Robert G	Director	-	Direct	Purchase	259	19.20	$4,972.80	6,955	4
2023-07-07	Shattuck, Katherine W	Director	-	Direct	Purchase	378	19.20	$7,257.60	3,865	4
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Institutional Ownership

No data available for chart

2026-03-31

30.36%

Inst. Shares: 5,383,181

Shares Outstanding: 17,732,537

2025-12-31

33.65%

Inst. Shares: 5,366,907

Shares Outstanding: 15,949,789

2025-09-30

33.58%

Inst. Shares: 5,170,616

Shares Outstanding: 15,398,262

2025-06-30

33.02%

Inst. Shares: 5,070,898

Shares Outstanding: 15,359,004

2025-03-31

33.45%

Inst. Shares: 5,131,228

Shares Outstanding: 15,338,532

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	5,383,181	17,732,537	30.36%
2025-12-31	5,366,907	15,949,789	33.65%
2025-09-30	5,170,616	15,398,262	33.58%
2025-06-30	5,070,898	15,359,004	33.02%
2025-03-31	5,131,228	15,338,532	33.45%
2024-12-31	5,029,800	15,262,504	32.96%
2024-09-30	4,834,268	15,267,120	31.66%
2024-06-30	4,760,706	15,264,533	31.19%
2024-03-31	4,556,836	15,230,580	29.92%
2023-12-31	4,538,560	15,241,859	29.78%
2023-09-30	4,244,457	15,154,797	28.01%
2023-06-30	4,285,409	15,231,505	28.14%
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CITIZENS & NORTHERN CORP (CZNC) — SEC Financial Statements & Analysis

CITIZENS & NORTHERN CORP (CZNC) is a state commercial banks company, incorporated in PA. CITIZENS & NORTHERN CORP trades on Nasdaq as: CZNC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CITIZENS & NORTHERN CORP reported a 927.92% year-over-year revenue growth, a Gross Profit Margin of -4.01% (TTM), a Price-to-Sales (P/S) ratio of 8.80x (TTM), a Price-to-Book (P/B) ratio of 1.18x (TTM), at a market cap of $409.69M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 927.92%
Gross Profit Margin TTM: -4.01%
P/S TTM: 8.80x
P/B TTM: 1.18x
Market Cap: $409.69M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CITIZENS & NORTHERN CORP in?

CITIZENS & NORTHERN CORP (CZNC) operates in the State Commercial Banks industry.

What is CZNC's market cap?

CITIZENS & NORTHERN CORP (CZNC) has a market capitalization of $409.69M as of 2026-06-30.

What is CZNC's P/E ratio?

CITIZENS & NORTHERN CORP (CZNC)'s trailing twelve month P/E ratio is 16.16x as of 2026-06-30.

What exchange does CZNC trade on?

CITIZENS & NORTHERN CORP (CZNC) trades on the Nasdaq.

Where is CITIZENS & NORTHERN CORP incorporated?

CITIZENS & NORTHERN CORP is incorporated in PA.