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as of 03-05-2026 10:29am EST
Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.
| Founded: | 1864 | Country: | United States |
| Employees: | N/A | City: | WELLSBORO |
| Market Cap: | 360.7M | IPO Year: | 2009 |
| Target Price: | $23.50 | AVG Volume (30 days): | 43.7K |
| Analyst Decision: | Hold | Number of Analysts: | 1 |
| Dividend Yield: | Dividend Payout Frequency: | semi-annual | |
| EPS: | 1.22 | EPS Growth: | 7.64 |
| 52 Week Low/High: | $18.02 - $24.11 | Next Earning Date: | N/A |
| Revenue: | N/A | Revenue Growth: | N/A |
| Revenue Growth (this year): | 3.11% | Revenue Growth (next year): | N/A |
| P/E Ratio: | 18.72 | Index: | N/A |
| Free Cash Flow: | 31.1M | FCF Growth: | N/A |
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Stock Insider Trading Activity of Citizens & Northern Corp (CZNC)
Director
Avg Cost/Share
$23.22
Shares
16
Total Value
$371.52
Owned After
9,224
SEC Form 4
Director
Avg Cost/Share
$23.22
Shares
175
Total Value
$4,063.50
Owned After
47,629
SEC Form 4
Director
Avg Cost/Share
$20.38
Shares
19
Total Value
$387.16
Owned After
9,224
SEC Form 4
Director
Avg Cost/Share
$20.38
Shares
200
Total Value
$4,075.34
Owned After
47,629
SEC Form 4
Director
Avg Cost/Share
$20.37
Shares
29
Total Value
$590.66
Owned After
9,224
SEC Form 4
Director
Avg Cost/Share
$20.37
Shares
316
Total Value
$6,436.19
Owned After
47,629
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Shattuck Katherine W | CZNC | Director | Feb 10, 2026 | Buy | $23.22 | 16 | $371.52 | 9,224 | |
| Pellegrino Frank G | CZNC | Director | Feb 10, 2026 | Buy | $23.22 | 175 | $4,063.50 | 47,629 | |
| Shattuck Katherine W | CZNC | Director | Jan 9, 2026 | Buy | $20.38 | 19 | $387.16 | 9,224 | |
| Pellegrino Frank G | CZNC | Director | Jan 9, 2026 | Buy | $20.38 | 200 | $4,075.34 | 47,629 | |
| Shattuck Katherine W | CZNC | Director | Dec 5, 2025 | Buy | $20.37 | 29 | $590.66 | 9,224 | |
| Pellegrino Frank G | CZNC | Director | Dec 5, 2025 | Buy | $20.37 | 316 | $6,436.19 | 47,629 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Jan 28, 2026 · 100% conf.
Q4 2025 Earnings
8-K BUYJan 28, 2026 · 100% conf.
1D
+0.93%
$21.59
5D
+4.32%
$22.31
20D
+1.10%
$21.63
Citizens & Northern Corporation_January 28, 2026 0000810958false00008109582026-01-282026-01-28
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 January 28, 2026 Date of Report (Date of earliest event reported) Citizens & Northern Corporation (Exact name of registrant as specified in its charter)
Pennsylvania 0-16084 23-2451943
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
90-92 Main Street, Wellsboro, Pennsylvania 16901
(Address of principal executive offices) (Zip Code)
(570) 724-3411 Registrant’s telephone number, including area code N/A (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol Name of each exchange on which registered
Common Stock, par value $1.00 per share
CZNC
Nasdaq Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
ITEM 2.02. Results of Operations and Financial Condition Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the quarter and year ended December 31, 2025. On January 28, 2026, the Company issued a press release titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99 to this Current Report on Form 8-K and is incorporated herein by reference. ITEM 9.01. Financial Statements and Exhibits (a) Not applicable. (b) Not applicable. (c) Not applicable. (d) Exhibits.
Exhibit 99: Press Release issued by Citizens & Northern Corporation dated January 28, 2026, titled “C&N Announces Fourth Quarter and Year End 2025 Unaudited Financial Results.”
Exhibit 104: Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)
2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS & NORTHERN CORPORATION
Date: January 28, 2026 By: /s/ Mark A. Hughes
Mark A. Hughes
Treasurer and Chief Financial Officer
3
2025 Q3 Q3 2025 Earnings
8-K Oct 23, 2025
Q3 2025 Earnings
8-KOct 23, 2025
Citizens & Northern Corporation_October 23, 2025 0000810958false00008109582025-10-232025-10-23
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 October 23, 2025 Date of Report (Date of earliest event reported) Citizens & Northern Corporation (Exact name of registrant as specified in its charter)
Pennsylvania
0-16084
23-2451943
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
90-92 Main Street, Wellsboro, Pennsylvania 16901
(Address of principal executive offices) (Zip Code)
(570) 724-3411 Registrant’s telephone number, including area code N/A (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol Name of each exchange on which registered
Common Stock, par value $1.00 per share
CZNC
Nasdaq Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
ITEM 2.02. Results of Operations and Financial Condition Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the three and nine months ended September 30, 2025. On October 23, 2025, the Company issued a press release titled “C&N Declares Dividend and Announces Third Quarter 2025 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99 to this Current Report on Form 8-K and is incorporated herein by reference. ITEM 9.01. Financial Statements and Exhibits (a) Not applicable. (b) Not applicable. (c) Not applicable. (d) Exhibits.
Exhibit 99: Press Release issued by Citizens & Northern Corporation dated October 23, 2025, titled “C&N Declares Dividend and Announces Third Quarter 2025 Unaudited Financial Results.”
Exhibit 104: Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)
2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS & NORTHERN CORPORATION
Date: October 23, 2025 By: /s/ Mark A. Hughes
Mark A. Hughes
Treasurer and Chief Financial Officer
3
2025 Q2 Q2 2025 Earnings
8-K Jul 24, 2025
Q2 2025 Earnings
8-KJul 24, 2025
0000810958false00008109582025-07-242025-07-24
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 July 24, 2025 Date of Report (Date of earliest event reported) Citizens & Northern Corporation (Exact name of registrant as specified in its charter)
Pennsylvania
0-16084
23-2451943
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
90-92 Main Street, Wellsboro, Pennsylvania 16901
(Address of principal executive offices) (Zip Code)
(570) 724-3411 Registrant’s telephone number, including area code N/A (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol Name of each exchange on which registered
Common Stock, par value $1.00 per share
CZNC
Nasdaq Capital Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
ITEM 2.02. Results of Operations and Financial Condition Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the three and six months ended June 30, 2025. On July 24, 2025, the Company issued a press release titled “C&N Declares Dividend and Announces Second Quarter 2025 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. Supplemental, unaudited financial information is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference. ITEM 9.01. Financial Statements and Exhibits (a) Not applicable. (b) Not applicable. (c) Not applicable. (d) Exhibits.
Exhibit 99.1: Press Release issued by Citizens & Northern Corporation dated July 24, 2025, titled “C&N Declares Dividend and Announces Second Quarter 2025 Unaudited Financial Results.”
Exhibit 99.2: Supplemental, unaudited financial information.
Exhibit 104: Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL)
2
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS & NORTHERN CORPORATION
Dated: July 24, 2025 By: /s/ Mark A. Hughes
Mark A. Hughes
Treasurer and Chief Financial Officer
3
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