CZNC
CITIZENS & NORTHERN CORPFigures below are compared against other companies classified under State Commercial Banks.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | Not reported | 5.9% | — |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | Not reported | 6.1% | — |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | Not reported | 5.5% | — |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | Not reported | 15.3% | — |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | Not reported | 0.0% | — |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 8.0% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | -3.3% | 11.0% | 84 / 127 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | -1.3% | -4.1% | 54 / 125 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | — | — |
Operating margin Operating income as a share of revenue. | Not reported | — | — |
Net margin Net income as a share of revenue. | Not reported | 123.1% | — |
Free cash flow margin Free cash flow as a share of revenue. | Not reported | 146.5% | — |
Return on equity Net income divided by shareholder equity. | 6.9% | 9.6% | 127 / 158 |
Return on assets Net income divided by total assets. | 0.7% | 1.0% | 125 / 159 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | — | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.08x | 0.19x | 31 / 91 |
Current ratio Current assets over current liabilities. | Not reported | — | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | — | — |
Interest coverage Operating income divided by interest expense. | Not reported | — | — |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | Not reported | — | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. 6 of the last 35 reported transactions were open-market purchases; the rest are mostly sales and compensation.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 2, 2026 | Pellegrino Frank G Director | Open-market purchase | 245 | $25.51 | $6.2K |
| Oct 2, 2026 | Shattuck Katherine W Director | Open-market purchase | 8 | $25.51 | $204.08 |
| Sep 4, 2026 | Pellegrino Frank G Director | Open-market purchase | 178 | $26.17 | $4.7K |
| Sep 4, 2026 | Shattuck Katherine W Director | Open-market purchase | 8 | $26.17 | $209.33 |
| Aug 20, 2026 | HUGHES MARK A EXEC. VP AND CFO | Other | 213 | $25.84 | $5.5K |
| Aug 20, 2026 | Hoose Harold F III EXEC. VP | Other | 181 | $25.84 | $4.7K |
| Aug 20, 2026 | RUDY THOMAS L JR EXEC. VP | Other | 160 | $25.84 | $4.1K |
| Aug 20, 2026 | REBER JOHN M EXEC. VP | Other | 110 | $25.84 | $2.8K |
| Aug 20, 2026 | Dunsmore Stan R EXEC. VP, CHIEF CREDIT OFFICER | Other | 107 | $25.84 | $2.8K |
| Aug 20, 2026 | Watkins Tracy Ellen EXEC. VP | Other | 73 | $25.84 | $1.9K |
| Aug 20, 2026 | SCOVILL J BRADLEY PRESIDENT AND CEO | Other | 73 | $25.84 | $1.9K |
| Aug 20, 2026 | Rush Blair T EXECUTIVE VICE PRESIDENT | Other | 31 | $25.84 | $801.04 |
| Aug 20, 2026 | Balagour Alexander EVP- CHIEF INFORMATION OFFICER | Other | 23 | $25.84 | $594.32 |
| Aug 20, 2026 | James Glenn Richard EVP COUNSEL, CORP SECRETARY | Other | 3 | $25.84 | $77.52 |
| Aug 20, 2026 | Runk David S EXEC. VP AND STRATEGIC ADVISOR | Other | 1 | $25.84 | $25.84 |
| Aug 14, 2026 | Pellegrino Frank G Director | Other | 539 | $25.89 | $14.0K |
| Aug 14, 2026 | SCOVILL J BRADLEY PRESIDENT AND CEO | Other | 400 | $25.95 | $10.4K |
| Aug 14, 2026 | REBER JOHN M EXEC. VP | Other | 341 | $25.89 | $8.8K |
| Aug 14, 2026 | Kilmer Bobbi J Director | Other | 131 | $25.96 | $3.4K |
| Aug 14, 2026 | Loughery Robert G Director | Other | 114 | $25.89 | $3.0K |
| Aug 14, 2026 | Santiago Helen S Director | Other | 108 | $25.89 | $2.8K |
| Aug 14, 2026 | Shattuck Katherine W Director | Other | 102 | $25.89 | $2.6K |
| Aug 14, 2026 | SINGER AARON K Director | Other | 96 | $26.08 | $2.5K |
| Aug 14, 2026 | Watkins Tracy Ellen EXEC. VP | Other | 80 | $25.89 | $2.1K |
| Aug 14, 2026 | SINGER AARON K Director | Other | 64 | $25.96 | $1.7K |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $23.43M | $25.96M | $24.15M | $26.62M | $30.55M | $19.22M | $19.50M | $22.01M | $13.43M | $15.76M |
| EPS (diluted) | — | $1.69 | $1.57 | $1.71 | $1.92 | $1.30 | $1.46 | $1.79 | $1.10 | $1.30 |
| Operating cash flow | $32.00M | $33.03M | $33.55M | $34.60M | $34.84M | $24.78M | $22.46M | $25.89M | $19.37M | $18.51M |
| Capital expenditure | $1.91M | $1.91M | $2.27M | $3.29M | $1.86M | $3.14M | $2.87M | $1.17M | $1.70M | $1.58M |
| Free cash flow | $30.10M | $31.13M | $31.28M | $31.31M | $32.98M | $21.65M | $19.59M | $24.73M | $17.68M | $16.93M |
| Total assets | $3.13B | $2.61B | $2.52B | $2.45B | $2.33B | $2.24B | $1.65B | $1.29B | $1.28B | $1.24B |
| Shareholder equity | $341.71M | $275.28M | $262.38M | $249.32M | $301.40M | $299.76M | $244.45M | $197.37M | $188.44M | $186.01M |
| Total debt | $28.62M | $2.49M | $33.87M | $80.06M | $1.80M | $20.02M | $86.22M | $48.77M | $70.95M | $64.63M |
| Cash | $46.06M | $126.17M | $56.88M | $55.05M | $104.95M | $101.86M | $35.20M | $37.49M | $40.24M | $28.62M |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Source
Figures come from CITIZENS & NORTHERN CORP’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 10-K filed Mar 6, 2026. View filings on EDGAR.