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CITIZENS & NORTHERN CORP

CZNC · State Commercial Banks · 17.9M shares · +4%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: -$507K (gross $189K, SBC $696K)

Reference price $21.44 · est. market cap ~$384M — last insider purchase, 2026-06-05 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C59

Citizens & Northern (PA) — small bank with soft earnings and low returns.

Strengths

Risks

Notable findings

Key metrics

Return on equity
6.9%
Return on assets
0.7%
Net-income growth
-9.8%
Free cash flow
$30M
Tangible book value
$267M
Cash & investments
$46M

Insider transactions · last 18 months

DateInsiderTypeSharesPrice
2026-06-19Van Sant William F IIIGrant6.9K$21.86
2026-06-05Pellegrino Frank GBuy190$21.44
2026-06-05Shattuck Katherine WBuy10$21.44
2026-05-28Trate Christian CSell229$21.10
2026-05-20Cwiklinski Kelley AOther38$20.80
2026-05-20Dunsmore Stan ROther132$20.80
2026-05-20Runk David SOther1$20.80
2026-05-20Hoose Harold F IIIOther222$20.80
2026-05-20RUDY THOMAS L JROther194$20.80
2026-05-20HUGHES MARK AOther259$20.80
2026-05-20REBER JOHN MOther134$20.80
2026-05-20James Glenn RichardOther5$20.80
2026-05-20SCOVILL J BRADLEYOther89$20.80
2026-05-20Balagour AlexanderOther29$20.80
2026-05-20Watkins Tracy EllenOther90$20.80
2026-05-20Rush Blair TOther39$20.80
2026-05-15Loughery Robert GOther140$20.82
2026-05-15Santiago Helen SOther2$20.82
2026-05-15Santiago Helen SOther2$20.82
2026-05-15Dorwart Stephen MOther70$20.85
2026-05-15James Glenn RichardOther10$20.82
2026-05-15Kilmer Bobbi JOther161$20.85
2026-05-15Kilmer Bobbi JOther77$20.82
2026-05-15Watkins Tracy EllenOther98$20.82
2026-05-15SINGER AARON KOther77$20.85
2026-05-15SINGER AARON KOther17$20.82
2026-05-15SINGER AARON KOther103$20.30
2026-05-15Pellegrino Frank GOther653$20.82
2026-05-15Dunsmore Stan ROther1$20.82
2026-05-15RUDY THOMAS L JROther1$20.82
2026-05-15REBER JOHN MOther418$20.82
2026-05-15SCOVILL J BRADLEYOther490$20.89
2026-05-15Shattuck Katherine WOther125$20.82
2026-05-15Santiago Helen SOther132$20.82
2026-05-13Lehman Terry LBuy1.0K$20.83
2026-05-08Pellegrino Frank GBuy237$21.75
2026-05-08Shattuck Katherine WBuy10$21.75
2026-04-23Santiago Helen SGrant1.1K$23.15
2026-04-23Dorwart Stephen MGrant1.1K$23.15
2026-04-23Loughery Robert GGrant1.1K$23.15
2026-04-23Kilmer Bobbi JGrant1.1K$23.15
2026-04-23SINGER AARON KGrant1.1K$23.15
2026-04-23Lehman Terry LGrant1.1K$23.15
2026-04-23Pellegrino Frank GGrant1.1K$23.15
2026-04-23Trate Christian CGrant1.1K$23.15
2026-04-23Shattuck Katherine WGrant1.1K$23.15
2026-04-06Pellegrino Frank GBuy180$22.55
2026-04-06Shattuck Katherine WBuy20$22.55
2026-03-06Pellegrino Frank GBuy185$21.95
2026-03-06Shattuck Katherine WBuy21$21.95
2026-02-20SCOVILL J BRADLEYTax withheld499$23.67
2026-02-20Dunsmore Stan RTax withheld148$23.67
2026-02-20SCOVILL J BRADLEYTax withheld499$23.67
2026-02-20Cwiklinski Kelley ATax withheld169$23.67
2026-02-20RUDY THOMAS L JRTax withheld141$23.67
2026-02-20Cwiklinski Kelley ATax withheld169$23.67
2026-02-20Watkins Tracy EllenTax withheld111$23.67
2026-02-20Dunsmore Stan RTax withheld148$23.67
2026-02-20Watkins Tracy EllenTax withheld111$23.67
2026-02-20RUDY THOMAS L JRTax withheld141$23.67
2026-02-18HUGHES MARK AOther225$23.76
2026-02-18Rush Blair TOther34$23.76
2026-02-18James Glenn RichardOther4$23.76
2026-02-18Cwiklinski Kelley AOther34$23.76
2026-02-18Balagour AlexanderOther25$23.76
2026-02-18Rush Blair TOther34$23.76
2026-02-18Watkins Tracy EllenOther77$23.76
2026-02-18Dunsmore Stan ROther114$23.76
2026-02-18Hoose Harold F IIIOther192$23.76
2026-02-18RUDY THOMAS L JROther169$23.76
2026-02-18REBER JOHN MOther116$23.76
2026-02-18SCOVILL J BRADLEYOther77$23.76
2026-02-18Cwiklinski Kelley AOther34$23.76
2026-02-18Watkins Tracy EllenOther77$23.76
2026-02-18Dunsmore Stan ROther114$23.76
2026-02-18RUDY THOMAS L JROther169$23.76
2026-02-18SCOVILL J BRADLEYOther77$23.76
2026-02-13SINGER AARON KOther69$23.44
2026-02-13LAMBERT LEO FOther161$23.44
2026-02-13Dunsmore Stan ROther1$23.59
2026-02-13REBER JOHN MOther359$23.59
2026-02-13Kilmer Bobbi JOther53$23.59
2026-02-13Santiago Helen SOther101$23.59
2026-02-13Kilmer Bobbi JOther142$23.44
2026-02-13Watkins Tracy EllenOther83$23.59
2026-02-13Shattuck Katherine WOther94$23.59
2026-02-13SCOVILL J BRADLEYOther433$23.43
2026-02-13SCOVILL J BRADLEYOther433$23.43
2026-02-13Watkins Tracy EllenOther83$23.59
2026-02-13Loughery Robert GOther107$23.59
2026-02-13James Glenn RichardOther8$23.59
2026-02-13Dorwart Stephen MOther61$23.44
2026-02-13Santiago Helen SOther1$23.59
2026-02-13Dunsmore Stan ROther1$23.59
2026-02-13Pellegrino Frank GOther548$23.59
2026-02-13SINGER AARON KOther88$23.63
2026-02-13Santiago Helen SOther1$23.59
2026-02-10Shattuck Katherine WBuy16$23.22
2026-02-10Pellegrino Frank GBuy175$23.22
2026-01-30Watkins Tracy EllenTax withheld341$22.41
2026-01-30Dunsmore Stan RGrant3.1K$21.86
2026-01-30Dunsmore Stan RTax withheld455$22.41
2026-01-30Dunsmore Stan RDisposition142
2026-01-30Hoose Harold F IIIDisposition209
2026-01-30Hoose Harold F IIIGrant4.6K$21.86
2026-01-30RUDY THOMAS L JRGrant3.0K$21.86
2026-01-30RUDY THOMAS L JRDisposition135
2026-01-30SCOVILL J BRADLEYGrant10K$21.86
2026-01-30HUGHES MARK AGrant4.0K$21.86
2026-01-30HUGHES MARK ADisposition186
2026-01-30REBER JOHN MGrant2.8K$21.86
2026-01-30REBER JOHN MDisposition129
2026-01-30SCOVILL J BRADLEYTax withheld1.5K$22.41
2026-01-30SCOVILL J BRADLEYDisposition472
2026-01-30RUDY THOMAS L JRGrant3.0K$21.86
2026-01-30RUDY THOMAS L JRDisposition135
2026-01-30RUDY THOMAS L JRTax withheld434$22.41
2026-01-30James Glenn RichardGrant1.5K$21.86
2026-01-30Cwiklinski Kelley AGrant3.6K$21.86
2026-01-30Cwiklinski Kelley ATax withheld463$22.41
2026-01-30Balagour AlexanderGrant3.5K$20.86
2026-01-30Balagour AlexanderDisposition159
2026-01-30Rush Blair TGrant3.5K$21.86
2026-01-30Rush Blair TDisposition170
2026-01-30Watkins Tracy EllenGrant2.4K$21.86
2026-01-30Watkins Tracy EllenDisposition107
2026-01-09Watkins Tracy EllenOther256$20.57
2026-01-09RUDY THOMAS L JROther320$20.57
2026-01-09James Glenn RichardOther188$20.57
2026-01-09Cwiklinski Kelley AOther340$20.57
2026-01-09Balagour AlexanderOther340$20.57
2026-01-09Rush Blair TOther340$20.57
2026-01-09Dunsmore Stan ROther337$20.57
2026-01-09Hoose Harold F IIIOther340$20.57
2026-01-09RUDY THOMAS L JROther320$20.57
2026-01-09HUGHES MARK AOther340$20.57
2026-01-09REBER JOHN MOther304$20.57
2026-01-09SCOVILL J BRADLEYOther340$20.57
2026-01-09Shattuck Katherine WBuy19$20.38
2026-01-09Pellegrino Frank GBuy200$20.38
2026-01-09Runk David SOther64$20.57
2026-01-02Shattuck Katherine WGift500
2025-12-05Pellegrino Frank GBuy316$20.37
2025-12-05Shattuck Katherine WBuy29$20.37
2025-11-21Trate Christian CGrant756$19.29
2025-11-19Balagour AlexanderOther25$19.46
2025-11-19RUDY THOMAS L JROther198$19.46
2025-11-19Cwiklinski Kelley AOther36$19.46
2025-11-19REBER JOHN MOther135$19.46
2025-11-19James Glenn RichardOther2$19.46
2025-11-19SCOVILL J BRADLEYOther88$19.46
2025-11-19HUGHES MARK AOther266$19.46
2025-11-19Watkins Tracy EllenOther90$19.46
2025-11-19Rush Blair TOther36$19.46
2025-11-19Dunsmore Stan ROther132$19.46
2025-11-19Hoose Harold F IIIOther227$19.46
2025-11-14LAMBERT LEO FOther191$19.53
2025-11-14James Glenn RichardOther3$19.41
2025-11-14Shattuck Katherine WOther119$19.41
2025-11-14Santiago Helen SOther121$19.41
2025-11-14Santiago Helen SOther2$19.41
2025-11-14Santiago Helen SOther2$19.41
2025-11-14Dorwart Stephen MOther72$19.53
2025-11-14Loughery Robert GOther128$19.41
2025-11-14Kilmer Bobbi JOther168$19.53
2025-11-14Kilmer Bobbi JOther63$19.41
2025-11-14Watkins Tracy EllenOther90$19.41
2025-11-14SINGER AARON KOther81$19.53
2025-11-14Pellegrino Frank GOther646$19.41
2025-11-14Dunsmore Stan ROther2$19.41
2025-11-14REBER JOHN MOther413$19.41
2025-11-14SCOVILL J BRADLEYOther510$19.55
2025-11-07Shattuck Katherine WBuy20$19.14
2025-11-07Pellegrino Frank GBuy212$19.14
2025-10-03Shattuck Katherine WBuy19$19.70
2025-10-03Pellegrino Frank GBuy207$19.70
2025-10-01Trate Christian CGrant5.6K
2025-10-01Trate Christian CGrant6.1K
2025-10-01Runk David SGrant8.9K
2025-10-01Trate Christian CGrant26K
2025-10-01Runk David SGrant9.2K
2025-10-01Trate Christian CGrant70K
2025-09-05Pellegrino Frank GBuy199$20.34
2025-09-05Shattuck Katherine WBuy18$20.34
2025-08-20Bower Matthew LOther19$19.63
2025-08-20Hoose Harold F IIIOther221$19.63
2025-08-20Balagour AlexanderOther24$19.63
2025-08-20Rush Blair TOther35$19.63
2025-08-20HUGHES MARK AOther260$19.63
2025-08-20SCOVILL J BRADLEYOther86$19.63
2025-08-20Dunsmore Stan ROther130$19.63
2025-08-20Cwiklinski Kelley AOther34$19.63
2025-08-20RUDY THOMAS L JROther194$19.63
2025-08-20Watkins Tracy EllenOther88$19.63
2025-08-20REBER JOHN MOther133$19.63
2025-08-20James Glenn RichardOther2$19.63
2025-08-15Santiago Helen SOther119$19.36
2025-08-15James Glenn RichardOther4$19.36
2025-08-15Dunsmore Stan ROther1$19.36
2025-08-15Watkins Tracy EllenOther89$19.36
2025-08-15REBER JOHN MOther409$19.36
2025-08-15SCOVILL J BRADLEYOther503$19.57
2025-08-15Santiago Helen SOther1$19.36
2025-08-15Santiago Helen SOther1$19.36
2025-08-15SINGER AARON KOther106$19.36
2025-08-15SINGER AARON KOther80$19.56
2025-08-15Dorwart Stephen MOther71$19.56
2025-08-15Loughery Robert GOther127$19.36
2025-08-15Kilmer Bobbi JOther165$19.56
2025-08-15Kilmer Bobbi JOther62$19.36
2025-08-15LAMBERT LEO FOther187$19.56
2025-08-15Shattuck Katherine WOther116$19.36
2025-08-15Pellegrino Frank GOther630$19.36
2025-08-08Shattuck Katherine WBuy20$18.66
2025-08-08Pellegrino Frank GBuy218$18.66
2025-07-07Pellegrino Frank GBuy203$19.99
2025-07-07Shattuck Katherine WBuy19$19.99
2025-06-06Shattuck Katherine WBuy20$18.60
2025-06-06Pellegrino Frank GBuy218$18.60
2025-05-20Cwiklinski Kelley AOther35$19.63
2025-05-20Balagour AlexanderOther25$19.63
2025-05-20Bower Matthew LOther19$19.63
2025-05-20Watkins Tracy EllenOther86$19.63
2025-05-20James Glenn RichardOther2$19.63
2025-05-20REBER JOHN MOther130$19.63
2025-05-20Rush Blair TOther35$19.63
2025-05-20Hoose Harold F IIIOther218$19.63
2025-05-20RUDY THOMAS L JROther191$19.63
2025-05-20Dunsmore Stan ROther128$19.63
2025-05-20HUGHES MARK AOther256$19.63
2025-05-20SCOVILL J BRADLEYOther85$19.63
2025-05-15Dorwart Stephen MOther70$19.71
2025-05-15LAMBERT LEO FOther175$19.71
2025-05-15Dunsmore Stan ROther1$19.66
2025-05-15Kilmer Bobbi JOther161$19.71
2025-05-15Loughery Robert GOther123$19.66
2025-05-15REBER JOHN MOther396$19.66
2025-05-15SINGER AARON KOther103$19.66
2025-05-15SINGER AARON KOther78$19.71
2025-05-15RUDY THOMAS L JROther1$19.66
2025-05-15SCOVILL J BRADLEYOther493$19.69
2025-05-15Pellegrino Frank GOther601$19.66
2025-05-15Santiago Helen SOther116$19.66
2025-05-15Santiago Helen SOther2$19.66
2025-05-15Santiago Helen SOther2$19.66
2025-05-15Shattuck Katherine WOther112$19.66
2025-05-15Kilmer Bobbi JOther61$19.66
2025-05-15James Glenn RichardOther3$19.66
2025-05-15Watkins Tracy EllenOther86$19.66
2025-05-06LAMBERT LEO FBuy262$18.86
2025-05-06LAMBERT LEO FBuy200$18.88
2025-05-06LAMBERT LEO FBuy169$18.89
2025-05-02Shattuck Katherine WBuy28$19.17
2025-05-02Pellegrino Frank GBuy331$19.17
2025-04-29Lehman Terry LBuy1.4K$18.70
2025-04-24SINGER AARON KGrant1.3K$19.68
2025-04-24Lehman Terry LGrant1.3K$19.68
2025-04-24Shattuck Katherine WGrant1.3K$19.68
2025-04-24Loughery Robert GGrant1.3K$19.68
2025-04-24Kilmer Bobbi JGrant1.3K$19.68
2025-04-24Pellegrino Frank GGrant1.3K$19.68
2025-04-24LAMBERT LEO FGrant1.3K$19.68
2025-04-24HARTLEY SUSAN EGrant1.3K$19.68
2025-04-24Dorwart Stephen MGrant1.3K$19.68
2025-04-24Santiago Helen SGrant1.3K$19.68
2025-04-04Shattuck Katherine WBuy120$18.49
2025-04-04Pellegrino Frank GBuy289$18.49
2025-03-07Shattuck Katherine WBuy107$20.15
2025-03-07Pellegrino Frank GBuy232$20.15
2025-02-20Watkins Tracy EllenTax withheld111$21.52
2025-02-20Watkins Tracy EllenOther77$21.66
2025-02-20SCOVILL J BRADLEYOther75$21.66
2025-02-20Rush Blair TOther30$21.66
2025-02-20RUDY THOMAS L JRTax withheld141$21.52
2025-02-20RUDY THOMAS L JROther171$21.66
2025-02-20REBER JOHN MOther117$21.66
2025-02-20James Glenn RichardOther1$21.66
2025-02-20HUGHES MARK AOther229$21.66
2025-02-20Hoose Harold F IIITax withheld217$21.52
2025-02-20Hoose Harold F IIIOther195$21.66
2025-02-20Cwiklinski Kelley ATax withheld169$21.52
2025-02-20Bower Matthew LTax withheld161$21.52
2025-02-20Bower Matthew LOther17$21.66
2025-02-20Balagour AlexanderOther21$21.66
2025-02-20Cwiklinski Kelley AOther30$21.66
2025-02-20Dunsmore Stan ROther114$21.66
2025-02-18Bower Matthew LTax withheld222$21.52
2025-02-14LAMBERT LEO FOther156$21.74
2025-02-14Watkins Tracy EllenOther75$21.57
2025-02-14SCOVILL J BRADLEYOther441$21.73
2025-02-14REBER JOHN MOther352$21.57
2025-02-14Dunsmore Stan ROther1$21.57
2025-02-14James Glenn RichardOther1$21.57
2025-02-14Dorwart Stephen MOther63$21.74
2025-02-14Kilmer Bobbi JOther144$21.74
2025-02-14Kilmer Bobbi JOther55$21.57
2025-02-14SINGER AARON KOther92$21.57
2025-02-14SINGER AARON KOther70$21.74
2025-02-14Shattuck Katherine WOther97$21.57
2025-02-14Loughery Robert GOther111$21.57
2025-02-14Pellegrino Frank GOther531$21.57
2025-02-14Santiago Helen SOther104$21.57
2025-02-14Santiago Helen SOther2$21.57
2025-02-14Santiago Helen SOther2$21.57
2025-02-07Shattuck Katherine WBuy88$21.24
2025-02-07Pellegrino Frank GBuy191$21.24
2025-01-31Balagour AlexanderGrant1.8K$21.99
2025-01-31Balagour AlexanderOther309$22.19
2025-01-31Bower Matthew LGrant1.7K$21.99
2025-01-31Bower Matthew LTax withheld332$21.37
2025-01-31Bower Matthew LOther305$22.19
2025-01-31Cwiklinski Kelley AGrant1.9K$21.99
2025-01-31Cwiklinski Kelley ATax withheld426$21.37
2025-01-31Cwiklinski Kelley AOther311$22.19
2025-01-31Dunsmore Stan RGrant1.6K$21.99
2025-01-31Dunsmore Stan RTax withheld633$21.37
2025-01-31Dunsmore Stan ROther276$22.19
2025-01-31Hoose Harold F IIIGrant2.4K$21.99
2025-01-31Hoose Harold F IIITax withheld919$21.37
2025-01-31Hoose Harold F IIIOther311$22.19
2025-01-31HUGHES MARK AGrant2.1K$21.99
2025-01-31HUGHES MARK AOther311$22.19
2025-01-31James Glenn RichardGrant788$21.99
2025-01-31REBER JOHN MGrant1.5K$21.99
2025-01-31REBER JOHN MOther250$22.19
2025-01-31RUDY THOMAS L JRGrant1.5K$21.99
2025-01-31RUDY THOMAS L JRTax withheld594$21.37
2025-01-31RUDY THOMAS L JROther265$22.19
2025-01-31Rush Blair TGrant1.8K$21.99
2025-01-31Shattuck Katherine WTax withheld333$21.37
2025-01-31James Glenn RichardOther128$22.19
2025-01-31Watkins Tracy EllenOther210$22.19
2025-01-31HARTLEY SUSAN ETax withheld1.0K$21.37
2025-01-31Rush Blair TOther311$22.19
2025-01-31RUDY THOMAS L JRTax withheld434$22.41
2025-01-31SCOVILL J BRADLEYGrant5.4K$21.99
2025-01-31SCOVILL J BRADLEYOther311$22.19
2025-01-31Watkins Tracy EllenGrant1.2K$21.99
2025-01-31Watkins Tracy EllenTax withheld462$21.37
2025-01-03Pellegrino Frank GBuy254$18.31
2025-01-03Shattuck Katherine WBuy102$18.31

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

DateItems
2026-05-11Exec/director changeOtherExhibitsfiling ↗
2026-04-29ResultsExhibitsfiling ↗
2026-04-28Shareholder voteExhibitsfiling ↗
2026-04-23OtherExhibitsfiling ↗
2026-01-28ResultsExhibitsfiling ↗
2026-01-22OtherExhibitsfiling ↗
2025-12-11Exhibitsfiling ↗
2025-11-07Reg FDExhibitsfiling ↗

Recent filings

FormFiledPeriodAccession
8-K2026-05-112026-05-070001104659-26-058386 ↗
10-Q2026-05-082026-03-310001104659-26-057705 ↗
8-K2026-04-292026-04-290001104659-26-051471 ↗
8-K2026-04-282026-04-230001104659-26-050181 ↗
8-K2026-04-232026-04-230001104659-26-047559 ↗
10-K2026-03-062025-12-310001104659-26-024613 ↗
8-K2026-01-282026-01-280001104659-26-007411 ↗
8-K2026-01-222026-01-220001104659-26-005795 ↗
8-K/A2025-12-112025-10-010001104659-25-120335 ↗
10-Q2025-11-072025-09-300001104659-25-108331 ↗
8-K2025-11-072025-11-070001104659-25-108359 ↗
8-K2025-10-232025-10-230001104659-25-101823 ↗