Citizens & Northern (CZNC)

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, headquartered in Wellsboro, Pennsylvania which operates 29 banking offices located in Bradford, Bucks, Cameron, Chester, Lycoming, McKean, Potter, Sullivan and Tioga Counties in Pennsylvania and Steuben County in New York, as well as loan production offices in Elmira, New York and York, Pennsylvania.

Company profile

J. Bradley Scovill
Fiscal year end
Industry (SIC)
Bucktail Life Insurance Company • Citizens & Northern Investment Corporation • C&N Financial Services Corporation • Northern Tier Holding LLC ...
IRS number

CZNC stock data

Investment data

Data from SEC filings
Securities sold
Number of investors
Top 50 of 100 long holdings
End of quarter 31 Mar 22
Prev Q
%, QoQ
$35.89M 502.98K 458.42K +9.7
$26.16M 558.55K 473.87K +17.9
$17.83M 550.59K 569.1K -3.3
$14.27M 146.01K 140.68K +3.8
$11.14M 63.79K 64.53K -1.2
$10.84M 40.39K 40.04K +0.9
$10.29M 33.36K 33.89K -1.6
$8.18M 335.68K 274.35K +22.4
$7.79M 2.79K 2.85K -2.3
$5.94M 1.82K 1.81K +0.5
$4.17M 30.58K 31.41K -2.7
$3.89M 14.26K 14.89K -4.3
$3.56M 9.95K 9.79K +1.6
$3.45M 6K 6.07K -1.2
$3.4M 28.71K 29.54K -2.8
$3.04M 30.07K 30.76K -2.2
$2.98M 22.16K 19.19K +15.5
$2.66M 17.4K 17.53K -0.7
$2.62M 11.78K 11.99K -1.7
$2.46M 9.79K 10.29K -4.8
$2.45M 29.65K 31.41K -5.6
$2.37M 11.16K 10.94K +2.1
$2.27M 17.16K 17.84K -3.8
$2.25M 48.02K 49.58K -3.2
$2.12M 7.42K 7.64K -2.9
$2.11M 7.76K 7.94K -2.2
$2.08M 33.06K 34.09K -3.0
$2.06M 3.3K 3.38K -2.4
$2.03M 4.89K 6.96K -29.8
$2M 38.56K 39.31K -1.9
$2M 6.97K 7.78K -10.4
$1.97M 11.1K 11.44K -3.0
$1.94M 6.5K 5.08K +27.9
$1.94M 34.26K 35.34K -3.0
$1.93M 8.02K 8.29K -3.3
$1.87M 9.58K 9.78K -2.1
$1.73M 13.53K 14.16K -4.5
$1.7M 34.37K 35.36K -2.8
$1.7M 5.03K 5.18K -3.0
$1.67M 6.75K 6.97K -3.2
$1.61M 1.02K 1.04K -1.9
$1.57M 18.52K 19.01K -2.6
$1.55M 15.23K 16.47K -7.5
$1.54M 24.76K 25.52K -3.0
$1.53M 20.98K 21.47K -2.3
$1.5M 9.1K 8.84K +2.9
$1.5M 3.32K 3.45K -4.0
Vanguard Total International Bond Index Fund ETF
$1.49M 28.48K NEW
$1.42M 8.69K 9.08K -4.3
$1.4M 11.72K 12.32K -4.9
Holdings list only includes long positions. Only includes long positions.


6 May 22
26 Jun 22
31 Dec 22
Quarter (USD) Mar 22 Dec 21 Sep 21 Jun 21
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 114.35M 114.35M 114.35M 114.35M 114.35M 114.35M
Cash burn (monthly) (no burn) 7.73M (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) n/a 22.19M n/a n/a n/a n/a
Cash remaining n/a 92.16M n/a n/a n/a n/a
Runway (months of cash) n/a 11.9 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
3 Jun 22 Pellegrino Frank G Common Stock Buy Acquire P No No 24.4873 110 2.69K 27,221
20 May 22 Lambert Leo F Common Stock Buy Acquire P No No 23.88 1,000 23.88K 35,084
20 May 22 Blair T Rush Common Stock Other Acquire J Yes No 24.1808 9 217.63 727
20 May 22 Alexander Balagour Common Stock Other Acquire J Yes No 24.1808 1 24.18 131
20 May 22 Hughes Mark A Common Stock Other Acquire J Yes No 24.1808 162 3.92K 14,112
29.6% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 66 65 +1.5%
Opened positions 6 7 -14.3%
Closed positions 5 1 +400.0%
Increased positions 14 23 -39.1%
Reduced positions 31 17 +82.4%
13F shares Current Prev Q Change
Total value 109.16M 291.07M -62.5%
Total shares 4.62M 4.51M +2.5%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
BLK Blackrock 1.05M $25.7M -3.3%
Vanguard 706.61K $17.23M -0.2%
Dimensional Fund Advisors 419.1K $10.22M +3.7%
CZNC Citizens & Northern 335.68K $8.18M +22.4%
Geode Capital Management 267.95K $6.53M +3.9%
STT State Street 253.76K $6.19M +3.4%
IVC Wealth Advisors 142.68K $3.48M -1.4%
J.W. Cole Advisors 142.13K $6K NEW
Renaissance Technologies 135.64K $3.31M +13.9%
NTRS Northern Trust 132.4K $3.23M -3.1%
Largest transactions Shares Bought/sold Change
J.W. Cole Advisors 142.13K +142.13K NEW
CZNC Citizens & Northern 335.68K +61.33K +22.4%
BLK Blackrock 1.05M -35.77K -3.3%
Renaissance Technologies 135.64K +16.6K +13.9%
Dimensional Fund Advisors 419.1K +15.01K +3.7%
BCS Barclays 3.88K -14.67K -79.1%
ATAC Neuberger Berman 31.19K -14.55K -31.8%
JPM JPMorgan Chase & Co. 10.92K -14.08K -56.3%
Emerald Advisers 3K -11.28K -79.0%
Geode Capital Management 267.95K +10.06K +3.9%

Content analysis

H.S. sophomore Bad
New words: ample, baseline, branch, breach, care, Curve, decline, desire, employment, fast, fed, FOMC, force, grown, inflation, inflationary, intent, Key, labor, Lancaster, led, litigation, massive, maximizing, model, necessarily, payroll, percent, pipeline, projected, rapid, realign, run, scenario, simulation, staffing, supply, upward, variety, VII, XI
Removed: absorb, accepting, accounted, accreted, age, agricultural, allocate, annually, apparent, April, arise, assist, assumed, Bancorp, capacity, card, categorized, Chester, closing, comparative, confirmed, connection, consistency, continuing, County, covenant, deal, debit, deferral, delinquency, delinquent, demonstrate, depreciated, designate, earlier, effort, expire, faith, fee, forward, good, implemented, inception, incorporated, insignificant, intangible, interagency, interchange, inventory, joint, lease, letter, leverage, likelihood, merged, merger, merging, mitigate, Monument, moved, NOL, operated, operational, outsourced, oversight, package, parent, personnel, preliminary, preparation, prevent, professional, properly, prudently, ranged, reclassified, recruiting, refinement, reportable, responsible, resume, revised, saving, September, strength, struggling, support, suspend, suspension, title, titled, trillion, variable, variance, yielding