CZNC Citizens & Northern Dashboard

Citizens & Northern Corp. operates as a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The company's Lending products include mortgage loans, commercial loans and consumer loans, as well as specialized instruments such as commercial letters-of-credit. The company's Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

Company profile

Ticker

CZNC

Exchange

NASDAQ

Website

www.cnbankpa.com

CEO

J. Bradley Scovill

Incorporated

Pennsylvania

Location

Pennsylvania

Fiscal year end

Dec 31

Sector

Finance and Insurance > Commercial Banking

Industry (SIC)

State Commercial Banks

Bank Of New York Mellon • State Street • Citizens Financial • Fifth Third Bancorp • Northern Trust • M & T Bank • Popular • Ally Financial • Associated Banc-Corp. • First Citizens Bancshares, Inc ...

SEC CIK

0000810958

Corporate docs

Articles of Incorporation & Bylaws

IRS number

232451943

CZNC stock data

S&P 500

1M 1Y 2Y 5Y

News

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Stocks That Hit 52-Week Highs On Wednesday

28 Apr 21

During the morning session on Wednesday, 217 stocks hit new 52-week highs.

Investment data

Data from SEC filings

Securities sold

Number of investors

Top 50 of 98 long holdings End of quarter 31 Mar 21	Value	#Shares	Prev Q	Change %, QoQ
Vanguard Russell 1000 Growth ETF	$28.01M	112.05K	116.58K	-3.9
FCPI Fidelity MSCI Real Estate Index ETF	$16.15M	587.59K	542.64K	+8.3
QLC Flexshares Morningstar Global Upstream Nat Res Index ETF	$14.99M	414.08K	450.88K	-8.2
IBB iShares JPMorgan USD Emerging Markets Bond ETF (JPMORGAN USD EMG)	$14.38M	132.06K	4.4K	+2900.7
iShares S&P MidCap 400 Index Fd	$9.9M	38.03K	42.22K	-9.9
MSFT Microsoft Corp	$9.2M	39K	38.45K	+1.4
AAPL Apple Computer Inc	$8.94M	73.18K	71.83K	+1.9
GOOG Alphabet Inc Class C	$6.79M	3.28K	3.2K	+2.5
CZNC Citizens & Northern Corp	$6.52M	274.32K	287.57K	-4.6
AMZN Amazon Communications Inc	$6.33M	2.05K	1.83K	+11.8
JPM JPMorgan Chase & Co	$5.39M	35.37K	36.07K	-1.9
ABT Abbott Labs	$4.04M	33.7K	32.93K	+2.3
FB Facebook Inc Class A	$4.03M	13.67K	13.33K	+2.5
DE Deere & Co	$3.68M	9.82K	9.55K	+2.9
MA Mastercard Inc Class A	$3.34M	9.37K	7.25K	+29.4
CMCSA Comcast Corp Class A	$3.06M	56.57K	55K	+2.8
NKE Nike, Inc. Class B	$2.9M	21.79K	25.99K	-16.2
PG Procter & Gamble Co	$2.84M	20.99K	20.96K	+0.1
AMT American Tower REIT Inc	$2.77M	11.6K	11.33K	+2.4
NVDA Nvidia Corp	$2.66M	4.99K	4.11K	+21.4
CVS CVS Health Corporation	$2.65M	35.26K	35K	+0.7
EL Lauder (Estee) Cos Inc Class A	$2.64M	9.07K	8.99K	+0.9
JNJ Johnson & Johnson	$2.57M	15.63K	15.53K	+0.6
ZBH Zimmer Biomet Holdings, Inc.	$2.56M	15.97K	15.7K	+1.7
INTC Intel Corp	$2.53M	39.46K	39.65K	-0.5
MDLZ Mondelez Intl Inc Class A	$2.48M	42.44K	41.01K	+3.5
HON Honeywell Intl Inc	$2.41M	11.11K	10.83K	+2.5
TFC Truist Financial Corporation	$2.37M	40.57K	40.43K	+0.4
COST Costco Wholesale Corp (New)	$2.35M	6.67K	5.16K	+29.2
CRM Salesforce.Com	$2.34M	11.06K	10.65K	+3.9
NSC Norfolk Southern Corp	$2.31M	8.62K	8.37K	+2.9
ICE Intercontinental Exchange Inc Common	$2.3M	20.57K	20.28K	+1.5
LLY Eli Lilly & Co	$2.15M	11.53K	11.47K	+0.5
XOM Exxon Mobil Corp	$2M	35.85K	35.43K	+1.2
CVX Chevron Corp	$1.99M	19.02K	19.13K	-0.6
ORCL Oracle Corp	$1.79M	25.45K	25.04K	+1.6
IBB iShares Barclays MBS Bond Fund ETF (MBS ETF)	$1.75M	16.13K		NEW
MCD McDonalds Corp	$1.74M	7.77K	7.75K	+0.2
HD Home Depot Inc	$1.72M	5.64K	5.85K	-3.7
GWW W W Grainger Inc	$1.72M	4.29K	4.21K	+1.7
PFE Pfizer Inc	$1.69M	46.75K	46.38K	+0.8
BMY Bristol Myers Squibb Co	$1.66M	26.28K	26.85K	-2.1
GD General Dynamics Corp	$1.65M	9.11K	6.2K	+47.0
NEE Nextera Energy Inc	$1.65M	21.85K	21.41K	+2.1
CMG Chipotle Mexican Grill Inc Corp Common	$1.65M	1.16K	1.1K	+5.7
ACN Accenture PLC	$1.64M	5.92K	5.85K	+1.2
MAS Masco Corp	$1.6M	26.75K	26.19K	+2.1
Vanguard Total International Bond Index Fund ETF	$1.6M	28.03K	24.94K	+12.4
ALL Allstate Corp	$1.59M	13.84K	18.79K	-26.4
IBM International Business Machines	$1.58M	11.86K	12.1K	-2.0

Citizens & Northern holdings history Holdings history

Holdings list only includes long positions. Only includes long positions.

Calendar

7 May 21

13 Jun 21

31 Dec 21

Financial summary

Financial statements Chart CZNC financial data

Quarter (USD)	Mar 21	Dec 20	Sep 20	Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 20	Dec 19	Dec 18	Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Recent insider trades

CZNC insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
7 Jun 21	Pellegrino Frank G	Common Stock	Buy	Aquire P	No	No	24.9	91	2.27K	23,192
21 May 21	Lehman Terry L	Common Stock	Buy	Aquire P	No	No	25	2,900	72.5K	19,199
19 May 21	Hughes Mark A	Common Stock	Other	Aquire J	Yes	No	25.4371	143	3.64K	13,090
19 May 21	Blair T Rush	Common Stock	Other	Aquire J	Yes	No	25.4371	3	76.31	276
14 May 21	Hartley Susan E	Common Stock	Other	Aquire J	Yes	No	24.947	14	349.26	1,327
14 May 21	Hartley Susan E	Common Stock	Other	Aquire J	No	No	24.947	14	349.26	17,631
14 May 21	Hartley Susan E	Common Stock	Other	Aquire J	No	No	25.235	168	4.24K	17,617

Data from 3, 4 and 5 filings. Stock values as filed, not updated for current price.

Institutional ownership Q1 2021

CZNC institutional ownership history Ownership history

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

28.0% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	62	57	+8.8%
Opened positions	9	7	+28.6%
Closed positions	4	2	+100.0%
Increased positions	17	25	-32.0%
Reduced positions	23	13	+76.9%

13F shares	Current	Prev Q	Change
Total value	256.39M	159.27M	+61.0%
Total shares	4.48M	4.5M	-0.4%
Total puts	0	0
Total calls	9.3K	0	NEW
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
BLK Blackrock	1.11M	$26.36M	+8.0%
Vanguard	679.43K	$16.16M	+1.2%
Dimensional Fund Advisors	362.02K	$8.61M	+3.1%
CZNC Citizens & Northern	274.32K	$6.52M	-4.6%
STT State Street	228.14K	$5.43M	-5.3%
Geode Capital Management	221.1K	$5.26M	+12.9%
IVC Wealth Advisors	157.75K	$3.75M	-4.5%
NTRS Northern Trust	136.22K	$3.24M	-8.1%
Pennsylvania Capital Management	129.03K	$3.07M	0.0%
BK Bank Of New York Mellon	119.01K	$2.83M	-5.0%

Largest transactions	Shares	Bought/sold	Change
BLK Blackrock	1.11M	+82.18K	+8.0%
Maltese Capital Management	55K	-45K	-45.0%
Renaissance Technologies	113.4K	-38.7K	-25.4%
WFC Wells Fargo & Co.	5.04K	-28.71K	-85.1%
Millennium Management	0	-27.81K	EXIT
Geode Capital Management	221.1K	+25.19K	+12.9%
Kohmann Bosshard Financial Services	20.02K	+20.02K	NEW
Susquehanna International	17.22K	+17.22K	NEW
IVZ Invesco	13.62K	+13.62K	NEW
CZNC Citizens & Northern	274.32K	-13.25K	-4.6%

Data from 13F filings. Stock values as filed, not updated for current price. Long positions only.

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. sophomore Bad

New words: actuarial, advanced, agency, amended, bolster, broadly, CAA, cleaning, conduct, daily, deep, delinquency, delinquent, depreciated, expire, face, faster, favorable, forward, indexed, labeled, mask, negotiated, NOL, nonbanking, nonsurgical, outpaced, oversight, permanent, properly, recruiting, safety, strict, supervisory, variance

Removed: accrual, administrative, Analytical, assigned, beverage, branch, brought, capitalization, carryback, CBLR, charged, China, collectability, collecting, collective, combination, combined, Commonwealth, communicate, community, Comptroller, concentration, consummation, conversion, cover, Currency, declining, develop, disclose, disease, doubt, dynamic, eliminating, emerge, encourage, estimating, exceeded, excessive, finalized, food, found, grow, guarantee, handle, hospitality, imprecision, improving, inability, industry, instituted, integrate, intended, issuance, judgment, key, knowable, land, led, light, macroeconomic, marking, maturing, month, multiple, municipal, narrative, noted, October, office, operation, outbreak, overfunded, owed, paragraph, participated, pension, pool, postretirement, predicted, preparing, range, record, relation, remaining, remote, restored, restructuring, retrospectively, reversed, satisfy, scope, securing, separately, shortfall, simple, single, stable, summarizing, temporarily, tested, trading, transitioning, uncertain, uncertainty, underfunded, unit, unpaid, VII, volatility, widely, world

From filing 10-Q 2021 Q1