CZNC at a glance
CITIZENS & NORTHERN CORP (CZNC, SEC CIK 810958) filed its latest 10-K annual report on March 6, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 22, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CITIZENS & NORTHERN CORP (CZNC) reported revenue of $139.2 million (up 8.7% from FY2024) and net income of $23.4 million. Diluted EPS was $1.46.
- As of June 30, 2026, 22 institutional investment managers tracked by SignalX reported holding CITIZENS & NORTHERN CORP (CZNC) shares worth $101.3 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Pellegrino Frank G on October 2, 2026 of 245 shares at $25.51 per share.
- In the last 90 days, CZNC insiders reported 6 open-market purchases ($17K) and 2 open-market sales ($72K) on Form 4, a net sale of $55K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $139.2M
- +8.7% vs prior year
- Insiders · 90 days
- 6 buys · 2 sells
- Net −$55K
- 13F holders
- 22 funds
- $101.3M · −2 vs prior quarter
- Latest 8-K
- Sep 22, 2026
- Item 5.03
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Second-quarter net income $14.1M vs $6.1M YoY; net interest income $29.6M vs $21.1M
- Net interest margin 4.07% vs 3.52% YoY; income tax rate 19.3% vs 18.8%
- Best-performing line: net gains from loan sales $608K, up 94.9% YoY
- Noninterest expense $23.8M, up 22.9% YoY, driven by Susquehanna integration
- Credit losses: $1.8M credit vs $2.4M provision YoY; six-month net charge-offs $10.4M vs $639K
Risk Factors
- Risk-factor section not provided; supplied text covers issuer purchases, defaults, other information, and exhibits
- No new or changed risk factors identifiable from the submitted excerpt
- Repurchase authorization: 723,465 shares remaining at June 30, 2026
- Insider-trading compliance: two directors adopted Rule 10b5-1 plans effective May 1, 2026
- Senior-security default status: none reported
AI summary of the CZNC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Board adopted immediate bylaw amendment on September 18, 2026
- Monthly board meetings no longer mandatory; frequency now determined by directors
Item 2.02: Results of Operations and Financial Condition
- Unaudited results cover three and six months ended June 30, 2026
- Press release includes second-quarter financial results and dividend declaration
Item EX-99.1: Item EX-99.1
- Q2 net income $14.1M, or $0.79 per diluted share, versus $6.1M and $0.40 year-over-year
- Core PPNR $15.8M, up from $10.3M, with six-month PPNR rising $11.5M to $30.0M after Susquehanna acquisition
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Commercial Chief Lending Officer Kelley Cwiklinski retiring effective July 10, 2026
- Continued pro rata base salary and benefits through retirement date
Item 8.01: Other Events
- Commercial Chief Lending Officer Kelley Cwiklinski retiring effective July 10, 2026
- Gregory Adamson promoted to Senior Vice President, Director of Commercial Lending
AI summaries of CZNC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CZNC
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- Fund moves. Which tracked funds opened, added or cut CZNC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Pellegrino Frank G | Buy | Oct 2, 2026 | 245 | $25.51 |
| Shattuck Katherine W | Buy | Oct 2, 2026 | 8 | $25.51 |
| Shattuck Katherine W | Buy | Sep 4, 2026 | 8 | $26.17 |
| Pellegrino Frank G | Buy | Sep 4, 2026 | 178 | $26.17 |
| Hoose Harold F III | J | Aug 20, 2026 | 181 | $25.84 |
| RUDY THOMAS L JR | J | Aug 20, 2026 | 160 | $25.84 |
| Watkins Tracy Ellen | J | Aug 20, 2026 | 73 | $25.84 |
| James Glenn Richard | J | Aug 20, 2026 | 3 | $25.84 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $113.5M | $128.1M | $139.2M |
| Net Income | $24.1M | $26.0M | $23.4M |
| Net Margin | 21.3% | 20.3% | 16.8% |
| Balance Sheet | |||
| Total Assets | $2.5B | $2.6B | $3.1B |
| Equity | $262.4M | $275.3M | $341.7M |
| ROE | 9.2% | 9.4% | 6.9% |
| Per Share | |||
| EPS | - | $1.69 | $1.46 |
| Cash Flow | |||
| Operating CF | $33.5M | $33.0M | $32.0M |
| CapEx | $2.3M | $1.9M | $1.9M |
Source: XBRL data in CITIZENS & NORTHERN CORP (CZNC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CZNC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 22 | $101.3M |
| Q1 2026 | 24 | $89.2M |
| Q4 2025 | 20 | $79.8M |
| Q3 2025 | 22 | $74.6M |
| Q2 2025 | 22 | $70.6M |
| Q1 2025 | 17 | $52.3M |
| Q4 2024 | 12 | $45.7M |
| Q3 2024 | 10 | $31.5M |
- BlackRock+171.4K (+14%)
- Citadel Advisors LLC+51.6K (+230%)
- Vanguard Portfolio Management LLC+47.1K (+48%)
- Vanguard Capital Management LLC+36.5K (+5%)
- Morgan Stanley+32.8K (+117%)
- Goldman Sachs Group−33.7K (-59%)
- CITIZENS & NORTHERN CORP−10.4K (-3%)
- Invesco Ltd−9.4K (-37%)
- Bank of America Corp−2.6K (-14%)
- Renaissance Technologies LLC−451 (-1%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 149 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CZNC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 8-K | Sep 22, 2026 | - | Analysis | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
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CZNC SEC filings: frequently asked questions
Are CZNC insiders buying or selling?
In the last 90 days, CITIZENS & NORTHERN CORP (CZNC) officers, directors and 10% owners reported 6 open-market purchases worth $16,767 by 2 insiders and 2 open-market sales worth $71,915 by 2 insiders on Form 4, a net sale of $55,148. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CZNC stock?
As of June 30, 2026, the largest CITIZENS & NORTHERN CORP (CZNC) holders among the 13F filers tracked by SignalX were BlackRock ($31.7 million), Vanguard Capital Management LLC ($17.8 million), Dimensional Fund Advisors ($14.9 million), CITIZENS & NORTHERN CORP ($8.1 million), State Street Corp ($7.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CZNC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CITIZENS & NORTHERN CORP (CZNC) reported revenue of $139.2 million (up 8.7% from FY2024) and net income of $23.4 million. Diluted EPS was $1.46. The figures come from the XBRL data in the 10-K.
What did CZNC report in its latest 8-K?
CITIZENS & NORTHERN CORP (CZNC) filed an 8-K on September 22, 2026 reporting Item 5.03 (Amendments to Articles of Incorporation or Bylaws). Board adopted immediate bylaw amendment on September 18, 2026.
What are the latest CZNC SEC filings?
CITIZENS & NORTHERN CORP (CZNC) filed its latest 10-K annual report on March 6, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 22, 2026 and a Form 4 insider filing on October 5, 2026.
What is CZNC's SEC CIK number?
CITIZENS & NORTHERN CORP (CZNC)'s SEC Central Index Key (CIK) is 810958. EDGAR lists every CZNC filing under that number.
Ask anything about CZNC
The research agent reads CZNC's filings, financials, insider trades and 13F holders, then answers with sources.