Citizens & Northern (CZNC)
Runs a community bank serving Pennsylvania and New York households and businesses.
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Provides community banking, lending, wealth, investment, and insurance services through C&N Bank and related units. The footprint is concentrated in Pennsylvania with one Southern Tier New York branch, and the business relies on spread income, credit quality, deposit funding, regulation, and acquisition integration.
Operates through C&N Bank, with banking and lending as the core business and wealth management, investment, and insurance services around it. The company reports one community-banking segment, so the operating story is branch and relationship banking rather than a portfolio of unrelated financial businesses.
Serves Northern and Northcentral Pennsylvania, Southeastern and Southcentral Pennsylvania, Central Pennsylvania, and the Southern Tier of New York. Recent expansion came through bank acquisitions, including Susquehanna Community Financial, which added central Pennsylvania markets.
Depends on net interest income, credit performance, deposit funding and costs, banking regulation, and local-market demand. Acquisition integration is also a live operating dependency because management continues to treat bank combinations as a growth path.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $579.4M · Total debt $170.0M · Total assets $3.15B · Shareholders' equity $346.1M
- Revenue
- $39.1M
- Operating income
- −$335.0K
- Net income
- $14.1M
HistoryDividendAnnual yield
| Institutions | 33.64% | 6.03M shares | |
|---|---|---|---|
| 95 holders · as of Jun 30, 2026 | |||
| Insiders | 4.59% | 822.7K shares | |
| 25 holders · as of Sep 8, 2026 | |||
| Other | 61.77% | 11.07M shares | |
| remainder | |||
17.92M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 7.59% | 1.36M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.25% | 761,655 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.56% | 637,124 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.52% | 451,355 | as of Jun 30, 2026 |
Citizens & Northern CorpInstitution | 1.95% | 349,492 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 4, 2026 | Katherine W. Shattuck | director | +8 | $26.17 |
| Sep 4, 2026 | Frank G. Pellegrino | director | +178 | $26.17 |
| Aug 7, 2026 | Katherine W. Shattuck | director | +8 | $25.22 |
| Aug 7, 2026 | Frank G. Pellegrino | director | +208 | $25.22 |
| Aug 3, 2026 | Christian C. Trate | director | −560 | $25.21 |
- Citizens Financial Services
Close Northern Tier community-bank overlap
- Fulton Financial
Scaled Mid-Atlantic bank in PA lending and wealth
- Community Financial System
Upstate NY and Northeastern PA banking rival
- Peoples Financial Services
PA-NY community bank with deposit and lending overlap
- Mid Penn Bancorp
Central PA bank competing in loans, deposits, and trust
- Norwood Financial
Wayne Bank overlaps rural PA and NY community markets
- Univest Financial
Southeastern PA financial-services competitor
- ACNB
Southcentral PA peer with banking, mortgage, and wealth
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens & Northern | $25.28 | −1.57% | $460.1M | 17.4 | 9.4 | 2.8 | +46.4% |
| Citizens Financial Services | $78.46 | −2.57% | $386.9M | 9.4 | 9.0 | 2.2 | −30.0% |
| Fulton Financial | $22.86 | −0.72% | $4.40B | 11.0 | 10.3 | 2.3 | +13.5% |
| Community Financial System | $60.95 | −0.31% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| Peoples Financial Services | $68.70 | −1.48% | $698.1M | 12.3 | 9.8 | 2.4 | +7.6% |
| Mid Penn Bancorp | $36.05 | −1.18% | $924.6M | 11.8 | 9.9 | 2.5 | +41.2% |
| Norwood Financial | $33.29 | −3.04% | $373.9M | 10.9 | 8.8 | 2.6 | +37.8% |
| Univest Financial | $41.55 | −0.69% | $1.15B | 12.1 | 10.7 | 2.2 | +4.1% |
| ACNB | $63.18 | −1.19% | $653.0M | 12.1 | 11.1 | 3.3 | −14.8% |
| Median | 12.0 | 10.1 | 2.5 | +8.6% |