# Citizens & Northern Corp: overview

CZNC · Nasdaq · CIK 810958 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/cznc.md) · [Financials](/companies/cznc/financials.md) · [Filings](/companies/cznc/filings.md) · [Insiders](/companies/cznc/insiders.md)

Revenue is not reported in this company’s XBRL financial statements.

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [0.41](/filings/0001104659-25-108331.md) | not reported | [0.41](/filings/0001104659-26-057705.md) | [0.40](/filings/0001558370-25-010889.md) | [0.42](/filings/0001104659-25-108331.md) | not reported | [0.02](/filings/0001104659-26-057705.md) | not reported |
| Free cash flow | $m | [6.4 d](/filings/0001104659-25-108331.md) | [11.7 d](/filings/0001104659-26-024613.md) | [1.0](/filings/0001104659-26-057705.md) | [8.0 d](/filings/0001104659-26-092539.md) | [10.9 d](/filings/0001104659-25-108331.md) | [10.1 d](/filings/0001104659-26-024613.md) | [8.5](/filings/0001104659-26-057705.md) | [15.3 d](/filings/0001104659-26-092539.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [1.92](/filings/0001558370-24-002879.md) | [1.71](/filings/0001558370-25-002408.md) | [1.57](/filings/0001558370-25-002408.md) | [1.69](/filings/0001558370-25-002408.md) | not reported |
| Free cash flow | $m | [33.0](/filings/0001558370-24-002879.md) | [31.3](/filings/0001558370-25-002408.md) | [31.3](/filings/0001104659-26-024613.md) | [31.1](/filings/0001104659-26-024613.md) | [30.1](/filings/0001104659-26-024613.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cznc/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $31.7m | 1,359,308 |  | Added +171,393 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $17.8m | 761,655 |  | Added +36,536 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $14.9m | 637,124 |  | Added +16,837 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $10.5m | 451,355 |  | Added +30,854 |
| [CITIZENS & NORTHERN CORP](/funds/810958.md) | 2026-06-30 | $8.1m | 349,492 |  | Reduced −10,361 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $7.9m | 337,931 |  | Added +2,567 |
| [NORTHERN TRUST CORP](/funds/73124.md) | 2026-06-30 | $3.5m | 149,961 |  | Added +11,987 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $3.4m | 145,999 |  | Added +47,131 |
| [Bank of New York Mellon Corp](/funds/1390777.md) | 2026-06-30 | $2.9m | 122,662 |  | Added +7,947 |
| [VANGUARD FIDUCIARY TRUST CO](/funds/933478.md) | 2026-06-30 | $2.8m | 120,612 |  | Added +1,373 |

## Recent filings

[All 3,174 filings](/companies/cznc/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-22 | 20:11 ET | [8-K](/filings/0001104659-26-118158.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-118158 |
| 2026-09-22 | 13:28 ET | [8-K](/filings/0001104659-26-109499.md) | 5.03 Amendment to articles or bylaws; 9.01 Financial statements and exhibits | 0001104659-26-109499 |
| 2026-08-07 | 15:52 ET | [10-Q](/filings/0001104659-26-092539.md) | Quarterly report, period 2026-06-30 | 0001104659-26-092539 |
| 2026-07-23 | 20:10 ET | [8-K](/filings/0001104659-26-086259.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-086259 |
| 2026-05-11 | 14:24 ET | [8-K](/filings/0001104659-26-058386.md) | 5.02 Departure or appointment of officers or directors; 8.01 Other events; 9.01 Financial statements and exhibits | 0001104659-26-058386 |
| 2026-05-08 | 16:07 ET | [10-Q](/filings/0001104659-26-057705.md) | Quarterly report, period 2026-03-31 | 0001104659-26-057705 |
| 2026-04-29 | 20:02 ET | [8-K](/filings/0001104659-26-051471.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-051471 |
| 2026-04-28 | 18:11 ET | [8-K](/filings/0001104659-26-050181.md) | 5.07 Shareholder vote results; 9.01 Financial statements and exhibits | 0001104659-26-050181 |
| 2026-04-23 | 18:01 ET | [8-K](/filings/0001104659-26-047559.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001104659-26-047559 |
| 2026-03-13 | 17:35 ET | [DEF 14A](/filings/0001104659-26-027576.md) | Proxy statement, period 2026-04-23 | 0001104659-26-027576 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001104659-26-024613.md), filed Mar 6, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 810958
- Tickers: CZNC
- Exchange: Nasdaq
- SIC code: 6022 State Commercial Banks
- State of incorporation: PA
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:25 ET. No prices; not investment advice.