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

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

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 Friday

12 Mar 21

Before 10 a.m. ET on Friday, 571 companies hit new 52-week highs.

Stocks That Hit 52-Week Highs On Friday

5 Mar 21

During Friday's morning session, 251 stocks hit new 52-week highs.

Investment data

Data from SEC filings

Top 50 of 100 long holdings End of quarter 31 Dec 20	Value	#Shares	Prev Q	Change %, QoQ
Vanguard Russell 1000 Growth ETF	$28.89M	116.58K	59.04K	+97.5
QLC Flexshares Morningstar Global Upstream Nat Res Index ETF	$14.67M	450.88K	447.73K	+0.7
FCPI Fidelity MSCI Real Estate Index ETF	$13.77M	542.64K	537.72K	+0.9
iShares S&P MidCap 400 Index Fd (CORE S&P MCP ETF)	$9.7M	42.22K	42.3K	-0.2
AAPL Apple Computer Inc	$9.53M	71.83K	71.23K	+0.8
MSFT Microsoft Corp	$8.55M	38.45K	38.14K	+0.8
AMZN Amazon Communications Inc	$5.96M	1.83K	1.84K	-0.2
CZNC Citizens & Northern Corp	$5.71M	287.57K	263.99K	+8.9
GOOG Alphabet Inc Class C	$5.61M	3.2K	3.21K	-0.1
JPM JPMorgan Chase & Co	$4.58M	36.07K	35.75K	+0.9
NKE Nike, Inc. Class B	$3.68M	25.99K	26.13K	-0.6
FB Facebook Inc Class A	$3.64M	13.33K	13.32K	+0.1
ABT Abbott Labs	$3.61M	32.93K	32.91K	+0.1
PG Procter & Gamble Co	$2.92M	20.96K	20.55K	+2.0
CMCSA Comcast Corp Class A	$2.88M	55K	54.88K	+0.2
iShares Core S&P 500 ETF (CORE S&P500 ETF)	$2.75M	7.33K	7.34K	-0.2
MA Mastercard Inc Class A	$2.59M	7.25K	7.22K	+0.4
DE Deere & Co	$2.57M	9.55K	9.49K	+0.6
AMT American Tower REIT Inc	$2.54M	11.33K	11.3K	+0.2
JNJ Johnson & Johnson	$2.44M	15.53K	15.52K	+0.1
ZBH Zimmer Biomet Holdings, Inc.	$2.42M	15.7K	15.69K	+0.1
MDLZ Mondelez Intl Inc Class A	$2.4M	41.01K	40.92K	+0.2
EL Lauder (Estee) Cos Inc Class A	$2.39M	8.99K	9K	-0.2
CVS CVS Health Corporation	$2.39M	35K	34.96K	+0.1
CRM Salesforce.Com	$2.37M	10.65K	10.64K	+0.1
ICE Intercontinental Exchange Inc Common	$2.34M	20.28K	20.31K	-0.1
HON Honeywell Intl Inc	$2.3M	10.83K	10.81K	+0.2
NVDA Nvidia Corp	$2.15M	4.11K	4.15K	-1.0
ALL Allstate Corp	$2.07M	18.79K	18.41K	+2.1
NSC Norfolk Southern Corp	$1.99M	8.37K	8.36K	+0.1
INTC Intel Corp	$1.98M	39.65K	39.61K	+0.1
COST Costco Wholesale Corp (New)	$1.94M	5.16K	5.15K	+0.1
TFC Truist Financial Corporation	$1.94M	40.43K	40.15K	+0.7
LLY Eli Lilly & Co	$1.94M	11.47K	11.46K	+0.1
ALXN Alexion Pharmaceuticals Inc	$1.92M	12.29K	12.32K	-0.2
GWW W W Grainger Inc	$1.72M	4.21K	4.22K	-0.2
PFE Pfizer Inc	$1.71M	46.38K	46.33K	+0.1
BMY Bristol Myers Squibb Co	$1.67M	26.85K	26.19K	+2.5
MCD McDonalds Corp	$1.66M	7.75K	7.74K	+0.1
NEE Nextera Energy Inc	$1.65M	21.41K	5.32K	+302.1
ORCL Oracle Corp	$1.62M	25.04K	25.06K	-0.1
CVX Chevron Corp	$1.62M	19.13K	19.14K	-0.0
KO Coca Cola Co	$1.61M	29.31K	28.44K	+3.1
XLNX Xilinx Inc	$1.61M	11.33K	11.26K	+0.6
TJX Tjx Companies (New)	$1.6M	23.43K	22.65K	+3.5
HD Home Depot Inc	$1.55M	5.85K	5.65K	+3.5
ACN Accenture PLC	$1.53M	5.85K	5.8K	+0.7
IBM International Business Machines	$1.52M	12.1K	11.73K	+3.1
CMG Chipotle Mexican Grill Inc Corp Common	$1.52M	1.1K	1.09K	+0.6
DIS Disney Walt Co	$1.51M	8.32K		NEW

Citizens & Northern holdings history Holdings history

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

Calendar

5 Mar 21

18 Apr 21

31 Dec 21

Financial summary

Financial statements Chart CZNC financial data

Quarter (USD)	Dec 20	Sep 20	Jun 20	Mar 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.

Cash burn rate (estimated)	Burn method: Change in cash		Burn method: Operating income/loss		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	101.86M	101.86M	101.86M	101.86M	101.86M	101.86M
Cash burn (monthly)	24.21M	(positive/no burn)	(positive/no burn)	(positive/no burn)	(positive/no burn)	(positive/no burn)
Cash used (since last report)	87.27M	n/a	n/a	n/a	n/a	n/a
Cash remaining	14.59M	n/a	n/a	n/a	n/a	n/a
Runway (months of cash)	0.6	n/a	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Recent insider trades

CZNC insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
5 Apr 21	Timothy E Schoener	Common Stock	Buy	Aquire P	No	No	24	208	4.99K	3,107
5 Apr 21	Bobbi J Kilmer	Common Stock	Buy	Aquire P	No	No	24	260	6.24K	8,102
5 Apr 21	Robert G Loughery	Common Stock	Buy	Aquire P	No	No	24	207	4.97K	2,899
5 Apr 21	Pellegrino Frank G	Common Stock	Buy	Aquire P	No	No	24	299	7.18K	22,791
16 Mar 21	Dunsmore Stan R	Common Stock	Payment of exercise	Dispose F	No	No	23.3	178	4.15K	17,254

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

Institutional ownership Q4 2020

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.

28.1% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	57	52	+9.6%
Opened positions	7	5	+40.0%
Closed positions	2	5	-60.0%
Increased positions	25	19	+31.6%
Reduced positions	13	20	-35.0%

13F shares	Current	Prev Q	Change
Total value	159.27M	119.26M	+33.5%
Total shares	4.5M	4.11M	+9.5%
Total puts	0	0
Total calls	0	0
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
BLK Blackrock	1.03M	$20.36M	+5.1%
Vanguard	671.24K	$13.32M	+4.7%
Dimensional Fund Advisors	351.18K	$6.97M	+0.2%
CZNC Citizens & Northern	287.57K	$5.71M	+8.9%
STT State Street	240.91K	$4.78M	+2.6%
Geode Capital Management	195.91K	$3.89M	+1.3%
IVC Wealth Advisors	165.22K	$3.28M	NEW
Renaissance Technologies	152.1K	$3.02M	-5.8%
NTRS Northern Trust	148.23K	$2.94M	-4.1%
Pennsylvania Capital Management	129.03K	$2.65M	-0.3%

Largest transactions	Shares	Bought/sold	Change
IVC Wealth Advisors	165.22K	+165.22K	NEW
BLK Blackrock	1.03M	+50.19K	+5.1%
Vanguard	671.24K	+29.88K	+4.7%
BK Bank Of New York Mellon	125.33K	+28.31K	+29.2%
CZNC Citizens & Northern	287.57K	+23.58K	+8.9%
JPM JPMorgan Chase & Co.	56.72K	+22.93K	+67.8%
California State Teachers Retirement System	20.18K	+20.18K	NEW
ATAC Neuberger Berman	62.4K	-19.73K	-24.0%
Hudock	34.46K	+17.2K	+99.7%
NWBI Northwest Bancshares	0	-11.83K	EXIT

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 V bad

New words: absorb, accuracy, Aid, alter, Analytically, Anniversary, apparent, arose, back, bearing, belonging, beverage, branding, broadly, broken, building, burden, CAA, carryforward, challenging, channel, China, claim, Client, Commonwealth, complex, compliant, comprised, concession, conference, confirmed, creation, culture, deferral, delivery, digital, disrupt, disruption, downgrade, Doylestown, dynamic, elevated, email, embrace, emotional, encompassed, enrichment, excellence, facilitate, faith, family, floating, food, footprint, forgiven, formulate, forward, foster, fostering, Fun, handle, heart, holistic, hospitality, inclusion, inclusive, intense, interagency, knowable, knowledge, leadership, letter, LIBOR, lifelong, live, long, master, matter, MD, mental, mirrored, mission, NaN, nationwide, NOL, nonaccretable, onboarding, outbreak, outreach, overtime, package, pandemic, partly, Paycheck, penetration, PPP, presence, properly, propriety, prudently, quantity, raw, reassessment, recovered, remeasurement, rent, requisite, rest, resume, robust, role, SBA, seasoned, simultaneously, sooner, speculative, spirit, strength, struggling, Substantively, suspension, swap, talent, Teamwork, technical, temporarily, titled, travel, trillion, tuition, unaccreted, uncertain, unknown, variance, video, vision, wellbeing, World, WV

Removed: Allegany, Avenue, Basel, begun, Canisteo, chartered, clarifying, corrective, Coudersport, disposing, East, eliminating, Emporium, encumbrance, enhanced, exit, fallen, February, furniture, Hornell, improved, inInternal, lessee, listing, main, Nonrefundable, North, opened, Port, prepare, prompt, Ralston, requiring, retrospective, simulation, Smithfield, south, step, Street, Subtopic, targeted, transition, Valley

From filing 10-K 2020 FY