Citizens & Northern (CZNC) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $25.36, +0.96% vs the prior close of $25.12.
- Volume 51.40K shares, 0.9x its 50-day average.
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
CZNC rises 1.0% to $25.36. Closed at $25.36, +0.96% vs the prior close of $25.12. Day range $25.20–$25.60, opened at $25.28.
CZNC daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — CZNC rises 1.0% to $25.36
- Closed at $25.36, +0.96% vs the prior close of $25.12. Day range $25.20–$25.60, opened at $25.28.
- Volume was 51.40K shares, 0.9x its 50-day average of 60.41K.
- Price is -1.0% vs its 50-day average ($25.61) and +9.3% vs its 200-day average ($23.21).
- 52-week range $18.87–$26.37; today's close sits at 87% of that range, 3.8% below the 52-week high.
Oct 14, 2026 — CZNC ends flat (-0.3%) to $25.12
- Closed at $25.12, -0.28% vs the prior close of $25.19. Day range $24.55–$25.19, opened at $24.89.
- Volume was 45.90K shares, 0.8x its 50-day average of 60.89K.
- Price is -1.9% vs its 50-day average ($25.61) and +8.4% vs its 200-day average ($23.18).
- 52-week range $18.87–$26.37; today's close sits at 83% of that range, 4.7% below the 52-week high.
Oct 13, 2026 — CZNC dips 0.3% to $25.19
- Closed at $25.19, -0.32% vs the prior close of $25.27. Day range $25.00–$25.60, opened at $25.31.
- Volume was 64.60K shares, 1.1x its 50-day average of 61.01K.
- Price is -1.6% vs its 50-day average ($25.61) and +8.8% vs its 200-day average ($23.16).
- 52-week range $18.87–$26.37; today's close sits at 84% of that range, 4.5% below the 52-week high.
Oct 12, 2026 — CZNC rises 1.3% to $25.27
- Closed at $25.27, +1.32% vs the prior close of $24.94. Day range $24.94–$25.40, opened at $24.96.
- Volume was 53.90K shares, 0.9x its 50-day average of 61.39K.
- Price is -1.3% vs its 50-day average ($25.61) and +9.2% vs its 200-day average ($23.14).
- 52-week range $18.87–$26.37; today's close sits at 85% of that range, 4.2% below the 52-week high.
Oct 9, 2026 — CZNC dips 1.3% to $24.94, a 1-month low
- Closed at $24.94, -1.31% vs the prior close of $25.27. Day range $24.86–$25.18, opened at $25.17.
- Volume was 59.20K shares, 1.0x its 50-day average of 61.81K.
- Price is -2.6% vs its 50-day average ($25.62) and +7.9% vs its 200-day average ($23.11).
- 52-week range $18.87–$26.37; today's close sits at 81% of that range, 5.4% below the 52-week high.
Oct 8, 2026 — CZNC ends flat (+0.3%) to $25.27
- Closed at $25.27, +0.28% vs the prior close of $25.20. Day range $25.02–$25.43, opened at $25.07.
- Volume was 47.10K shares, 0.8x its 50-day average of 62.12K.
- Price is -1.4% vs its 50-day average ($25.63) and +9.4% vs its 200-day average ($23.09).
- 52-week range $18.87–$26.37; today's close sits at 85% of that range, 4.2% below the 52-week high.
Oct 7, 2026 — CZNC dips 0.9% to $25.20, 3 down days in a row
- Closed at $25.20, -0.90% vs the prior close of $25.43. Day range $23.99–$25.43, opened at $25.19.
- Volume was 45.10K shares, 0.7x its 50-day average of 62.85K.
- Price is -1.6% vs its 50-day average ($25.62) and +9.2% vs its 200-day average ($23.07).
- 52-week range $18.87–$26.37; today's close sits at 84% of that range, 4.4% below the 52-week high.
- That makes 3 straight losses.
Oct 6, 2026 — CZNC ends flat (-0.3%) to $25.43
- Closed at $25.43, -0.27% vs the prior close of $25.50. Day range $25.43–$25.63, opened at $25.61.
- Volume was 31.50K shares, 0.5x its 50-day average of 64.06K — lighter than usual.
- Price is -0.7% vs its 50-day average ($25.62) and +10.3% vs its 200-day average ($23.05).
- 52-week range $18.87–$26.37; today's close sits at 87% of that range, 3.6% below the 52-week high.
Oct 5, 2026 — CZNC dips 0.5% to $25.50
- Closed at $25.50, -0.51% vs the prior close of $25.63. Day range $25.24–$25.58, opened at $25.49.
- Volume was 54.30K shares, 0.8x its 50-day average of 64.60K.
- Price is -0.4% vs its 50-day average ($25.60) and +10.7% vs its 200-day average ($23.04).
- 52-week range $18.87–$26.37; today's close sits at 88% of that range, 3.3% below the 52-week high.
Oct 2, 2026 — CZNC rises 1.7% to $25.63
- Closed at $25.63, +1.75% vs the prior close of $25.19. Day range $25.24–$25.97, opened at $25.35.
- Volume was 67.10K shares, 1.0x its 50-day average of 64.45K.
- Price is +0.2% vs its 50-day average ($25.58) and +11.3% vs its 200-day average ($23.02).
- 52-week range $18.87–$26.37; today's close sits at 90% of that range, 2.8% below the 52-week high.
CZNC latest news & SEC filings
Every SEC filing by or about CZNC in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Oct 5, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Shattuck Katherine W bought 8 shares at $25.51 (≈$204) on Oct 2, 2026; now holds 10,719
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 5, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Pellegrino Frank G bought 245 shares at $25.51 (≈$6.25K) on Oct 2, 2026; now holds 52,070
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 22, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 5.03 — Amended its charter or bylaws / changed fiscal year.
Sep 8, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Pellegrino Frank G bought 178 shares at $26.17 (≈$4.66K) on Sep 4, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Sep 8, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Shattuck Katherine W bought 8 shares at $26.17 (≈$209) on Sep 4, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 26, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Aug 25, 2026 · Form 4/A — Insider trade (amended)
Amended insider trade report (Form 4/A)
- Trate Christian C sold 560 shares at $25.21 (≈$14.12K) on Aug 3, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 7, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $14.06M (prior year $6.12M) (+129.8% vs Jun 30, 2025)
- Diluted EPS: $0.79 (prior year $0.40) (+97.5% vs Jun 30, 2025)
Jul 30, 2026 · Form N-PX — Annual proxy voting record
Annual proxy voting record
Jul 23, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 17, 2026 · Form 13F-HR — Quarterly holdings report filed by an institutional investment manager
Quarterly holdings report filed by an institutional investment manager
Things to know before you trade CZNC
- Last results release: Jul 23, 2026 (8-K Item 2.02). Previous ones: Apr 29, 2026, Jan 28, 2026, Oct 23, 2025. Based on that rhythm, the next report is likely around Oct 22, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.79% (largest 1.8%). That is a relatively calm stock.
- Liquidity: about 54.34K shares (≈$1.38M) trade per day on average. Thin volume can mean wider bid/ask spreads.
- 52-week position: $25.36 vs a range of $18.87–$26.37 (87% of the range).
- Dividends: last ex-dividend date Aug 3, 2026 ($0.28/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 21 open-market buys, 4 sales; latest: Katherine W Shattuck bought 8 shares on Sep 4, 2026.
- Latest filings: 8-K Sep 22, 2026; 10-Q Aug 7, 2026; 8-K Jul 23, 2026.
- Share count: 17.93M shares outstanding (Aug 3, 2026), +15.6% vs a year earlier — notable dilution.
- Listing: Nasdaq · industry: State Commercial Banks.
CZNC market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 25.28 | 25.60 | 25.20 | 25.36 | 51.40K |
| Oct 14, 2026 | 24.89 | 25.19 | 24.55 | 25.12 | 45.90K |
| Oct 13, 2026 | 25.31 | 25.60 | 25.00 | 25.19 | 64.60K |
| Oct 12, 2026 | 24.96 | 25.40 | 24.94 | 25.27 | 53.90K |
| Oct 9, 2026 | 25.17 | 25.18 | 24.86 | 24.94 | 59.20K |
| Oct 8, 2026 | 25.07 | 25.43 | 25.02 | 25.27 | 47.10K |
| Oct 7, 2026 | 25.19 | 25.43 | 23.99 | 25.20 | 45.10K |
| Oct 6, 2026 | 25.61 | 25.63 | 25.43 | 25.43 | 31.50K |
| Oct 5, 2026 | 25.49 | 25.58 | 25.24 | 25.50 | 54.30K |
| Oct 2, 2026 | 25.35 | 25.97 | 25.24 | 25.63 | 67.10K |
| Oct 1, 2026 | 25.02 | 25.19 | 24.50 | 25.19 | 55.80K |
| Sep 30, 2026 | 25.31 | 25.43 | 24.87 | 25.02 | 65.20K |
| Sep 29, 2026 | 25.71 | 25.71 | 25.13 | 25.28 | 40.30K |
| Sep 28, 2026 | 25.65 | 25.73 | 25.40 | 25.56 | 69.40K |
| Sep 25, 2026 | 25.52 | 25.76 | 25.40 | 25.70 | 42.70K |
| Sep 24, 2026 | 25.29 | 25.59 | 25.14 | 25.48 | 40.20K |
| Sep 23, 2026 | 25.52 | 25.70 | 25.19 | 25.22 | 55.40K |
| Sep 22, 2026 | 25.91 | 25.91 | 25.50 | 25.68 | 33.60K |
| Sep 21, 2026 | 25.79 | 25.91 | 25.71 | 25.76 | 39.00K |
| Sep 18, 2026 | 25.79 | 25.90 | 25.48 | 25.81 | 125.20K |
About Citizens & Northern
Citizens & Northern (CZNC) is listed on the Nasdaq and classified by the SEC under “State Commercial Banks”. Its business address is in WELLSBORO, PA. State of incorporation: PA. Fiscal year ends December 31. SEC CIK 810958.
CZNC board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Stephen M Dorwart | Director | Aug 25, 2026 |
| Bobbi J Kilmer | Director | Aug 25, 2026 |
| Leo F Lambert | Director | Feb 27, 2026 |
| Terry L Lehman | Director | May 13, 2026 |
| Robert G Loughery | Director | Aug 25, 2026 |
| Frank G Pellegrino | Director | Sep 8, 2026 |
| Aaron K Singer | Director | Aug 26, 2026 |
| Helen S Santiago | Director | Aug 25, 2026 |
| Katherine W Shattuck | Director | Sep 8, 2026 |
| Christian C Trate | Director | Aug 25, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Alexander Balagour | EVP- CHIEF INFORMATION OFFICER | Aug 24, 2026 |
| Kelley A Cwiklinski | EVP CHIEF COMM LENDING OFFICER | May 21, 2026 |
| Stan R Dunsmore | EXEC. VP, CHIEF CREDIT OFFICER | Aug 24, 2026 |
| Mark A Hughes | EXEC. VP AND CFO | Aug 24, 2026 |
| Harold F Iii Hoose | EXEC. VP | Aug 24, 2026 |
| Glenn Richard James | EVP COUNSEL, CORP SECRETARY | Aug 24, 2026 |
| John M Reber | EXEC. VP | Aug 24, 2026 |
| Thomas L Jr Rudy | EXEC. VP | Aug 24, 2026 |
| David S Runk | EXEC. VP AND STRATEGIC ADVISOR | Aug 24, 2026 |
| Blair T Rush | EXECUTIVE VICE PRESIDENT | Aug 24, 2026 |
| J Bradley Scovill | PRESIDENT AND CEO | Aug 24, 2026 |
| Sant William F Iii Van | EVP, CHIEF WEALTH OFFICER | Jun 22, 2026 |
| Tracy Ellen Watkins | EXEC. VP | Aug 24, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 4, 2026 | Katherine W Shattuck | Buy | 8 | $26.17 |
| Sep 4, 2026 | Frank G Pellegrino | Buy | 178 | $26.17 |
| Aug 7, 2026 | Frank G Pellegrino | Buy | 208 | $25.22 |
| Aug 7, 2026 | Katherine W Shattuck | Buy | 8 | $25.22 |
| Aug 3, 2026 | Christian C Trate | Sale | 560 | $25.21 |
| Aug 3, 2026 | Christian C Trate | Sale | 560 | $25.21 |
| Jul 31, 2026 | Stephen M Dorwart | Sale | 2,278 | $25.37 |
| Jul 8, 2026 | Frank G Pellegrino | Buy | 198 | $23.03 |
| Jul 8, 2026 | Katherine W Shattuck | Buy | 9 | $23.03 |
| Jun 5, 2026 | Katherine W Shattuck | Buy | 10 | $21.44 |
| Jun 5, 2026 | Frank G Pellegrino | Buy | 190 | $21.44 |
| May 28, 2026 | Christian C Trate | Sale | 229 | $21.10 |
| May 13, 2026 | Terry L Lehman | Buy | 1,000 | $20.83 |
| May 8, 2026 | Katherine W Shattuck | Buy | 10 | $21.75 |
| May 8, 2026 | Frank G Pellegrino | Buy | 237 | $21.75 |
CZNC financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | — | $23.43M | — | $32.00M |
| Dec 31, 2024 | — | $25.96M | 1.69 | $33.03M |
| Dec 31, 2023 | — | $24.15M | 1.57 | $33.55M |
| Dec 31, 2022 | — | $26.62M | 1.71 | $34.60M |
| Dec 31, 2021 | — | $30.55M | 1.92 | $34.84M |
Latest balance sheet: total assets $3.15B, total liabilities $2.81B, cash $82.54M (as of Jun 30, 2026).
CZNC earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 23, 2026 | 8-K Item 2.02 (results) | $23.26 |
| Apr 29, 2026 | 8-K Item 2.02 (results) | $23.00 |
| Jan 28, 2026 | 8-K Item 2.02 (results) | $21.39 |
| Oct 23, 2025 | 8-K Item 2.02 (results) | $19.24 |
| Jul 24, 2025 | 8-K Item 2.02 (results) | $19.18 |
| Apr 23, 2025 | 8-K Item 2.02 (results) | $19.44 |
| Jan 23, 2025 | 8-K Item 2.02 (results) | $19.25 |
| Oct 17, 2024 | 8-K Item 2.02 (results) | $20.08 |
| Jul 18, 2024 | 8-K Item 2.02 (results) | — |
| Apr 25, 2024 | 8-K Item 2.02 (results) | — |
| Jan 18, 2024 | 8-K Item 2.02 (results) | — |
| Oct 19, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.